BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: Brightfunders, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started the process with Homeside Financial back on XX/XX/XXXX, the Loan Officer ( XXXX XXXX ) sent me the pre-approval letter on XX/XX/XXXX. My agent put my house on the market and we accept an offer on XX/XX/XXXXand on the same day we put an offer to get a new house which was accepted by the seller, I reached my loan officer and he renewed my pre-approval letter and I sent him all the documentation that he requested, bank statements, ratified contract, preliminary CD for my current property. I filled the application within 5 days. The loan officer sent me the credit card authorization form to order the appraisal and couple of days later he sent me an email saying that the appraisal came back good. We asked him if we would be able to close for my new house on XX/XX/XXXXand he said YES, everything is good, they were waiting for the Title Company to transfer the funds of my current property so I would have the money the day of my closing. I sent him emails, text messages and called my Loan officer many times during the following 2 weeks and he sent me a text message saying that he went out of the country but that everything was good to close on the scheduled date.

The settlement of my current property was scheduled for XX/XX/XXXX( one week earlier than my closing to have enough time for the funds to be transfer ) On XX/XX/XXXX, I sent him an email saying that I haven't heard back from him and that I wanted to know if everything was fine. He got back to me saying that the underwriter just found out that my husband pays child support ( that information was on my husband 's paystubs ) he's been paying it sinceXX/XX/XXXX, so I sent him the Child Support order and called my loan officer 's manager, who told me that I need to refinance my car immediately to lower my debt radio ( all this less than 24 hours before the settlement ) I called XXXX and they were able to approve my refinancing in one hour, I contacted Homeside Management again but they said that was now enough and that unfortunately the transaction couldn't be approved.

For all those reasons, I wasn't able to settle my current property and I breached the contract, now they don't want to reimburse me for the {$1000.00} that I put down when I signed the contract and the buyer of my current property is upset because they were ready for the settlement and the night before we had to cancel.

OnXX/XX/XXXX I requested to Homeside to Transfer my loan to a new lender and one week later I'm still waiting for that to happen.

Today we contacted Homeside again and the Manager said he's going out of town, so I still haven't been able to settle neither for my current property or the new one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Barclay. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft. 

The best course of action to resolve this issue is to have the fraudulent account removed from collections and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX Money was stolen from my XXXX and transferred to someone I DID NOT APPROVE the money to be sent to. I have tried to get our money back but because it was sent through XXXX  it has been denied. Me and my husband were not in town when this took place. XXXX shows as " car '' and we paid no one for any service. The receiver has ignored all messages and bank has denied claim. My debit card was already on the account. We have now lost over XXXX over something that was not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to buy a plugin for my music production from a person on XXXX in XXXX for XXXX dollars they said to pay them thru paypal as friends and family and when I sent it over they said wait for the product in a few mins. Iv waited a day and tried contacting the seller thru instagram and email but no answers and blocked me the next day. I tried filing a dispute thru XXXX XXXX   and notified paypal on the situation in XXXX got the money bak within a week or 2 but the bank is reversing the case and saying it will take effect in XXXX of XXXX saying I violated paypal friends and family policy when the seller told me to pay fo that method and saying item has been delivered when I recieved nothing both disputes left me with defeat

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXXXXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year in XX/XX/XXXX, I reached out to Harvest Associates Inc., for the XXXX  time regarding XXXX inaccurate and erroneous accounts : the XXXX account in the amount of {$660.00} for services they claimed was rendered on XX/XX/XXXX and the XXXX account in the amount of {$620.00} for services they claimed was rendered on XX/XX/XXXX. Both inaccurate and erroneous accounts are listed on my credit report. I previously sent Harvest Associates Inc., a letter explaining to them that both of my insurance companies did not receive any claims from Harvest Associates Inc or the original creditor XXXX XXXX XXXX. My primary insurance company XXXX. My secondary insurance was with XXXX which paid for any additional expenses my primary insurance would not cover. I contacted via phone both of my insurance companies and they stated to me that no claims were submitted to them for either {$620.00} or {$660.00} amounts from Harvest Associates Inc and/or XXXX XXXX XXXXXXXX. I even sent another letter to Harvest Associates attaching a copy of both insurance cards requesting them to call, write and verify with both insurance companies that my plans were active on the dates they claimed I received services on. However, Harvest Associates refused to follow-up with either insurance companies. I also requested the validity and accuracy of Harvest Associates Inc., last investigation of both accounts. However, I received a certified letter back from Harvest Associates stating that : " we have verified with the creditor that services were provided to you, or you are listed as guarantor on the account. According to the creditor 's records, the balance reported is still outstanding. " Harvest Associates did nothing to assist me and never contacted XXXX or XXXX. So, both accounts went straight to collections with Harvest Associates after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$660.00} and after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$620.00}. Harvest Associates refused to remove both accounts from my credit report and the credit bureau claimed that they had researched both collection accounts and had verified that the items had been reported correctly. This is not true because I sent the credit bureau proof that I had XXXX types of insurances on the service dates and the account numbers listed on my credit report for both Harvest Associates accounts is listed incorrectly. The credit bureau researched, verified and kept incorrect and erroneous accounts listed on my credit report. Both accounts are listed with different agency names on my credit report and not reflecting Harvest Associates Inc. To that end, Harvest Associates even have the name of my street misspelled on their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX {$11000.00} XXXX XXXX {$14000.00} XXXX   XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had an account with XXXX XXXX XXXX in 2016. During that time XXXX XXXX XXXX had messed up on billing and waived the charge for the modem due to multiple phone calls that had to be made and the miss communication. Since that time IC Systems took over the account. I have reported this as incorrect multiple times and have also talked with XXXX XXXX XXXX on 3 different occasions which they found the information in their notes of the waived charge. They have been asked on multiple occasions to correct this yet 2 years later it is still on my credit report but I have not heard anything this entire time from IC Systems. This is hurting my credit for a debt that is not owed. Would like resolution immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off a settlement offer for a debt to Discover Card, Account # XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep asking this company to verify this debt and provide accurate information on how this information was gathered to prove that it is my debt that is owed, but this company has yet to respond to the letters that I have sent them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage took over my loan from XXXX XXXX in XX/XX/2020. Since that time Shellpoint has not made my loan whole since they took over. Payments varied from month to month from $ XXXX XXXX per month. My payment should be XXXX according to my XXXXXXXX XXXX terms with XXXX going towards my principal and interest and {$360.00} going into my escrow account. They continue to put my interest at 5.5 % and the loan modification that was set up by XXXXXXXX XXXX is 2 %. I have a letter stating that Shellpoint checked over the terms of loan from XXXX and said that 2 % is the interest rate on the loan and yet Shellpoint cant get it right since XX/XX/2020 and as of this date XX/XX/2020 they are still charging me 5.5 %. Since XX/XX/2020 they also have been charging extra escrow to my loan and that is due to the fact of the homeowners insurance that they are charging me that they should not be doing. I pay my homeowners insurance every month with my auto insurance. When XXXXXXXX XXXX had my loan it was set up to pay my homeowners on my own so it was not in the terms for Shellpoint to take that out. Currently Shellpoint has {$2000.00} that they sent to XXXX XXXX and in return XXXX XXXX sent it back to Shellpoint. Since i have been making my full payment of XXXX every month, Shellpoint has put money in other places that i have no idea where. On my statements it shows that i only paid {$200.00} and thats it. Where is the other XXXX???? I now have Shellpoint calling 2-3x per day asking me when am i going to pay last months payment when in fact the already have it. They also have sent it to the credit bureau and my credit score has gone down. i have spent my whole life taking pride in my credit score and just like that Shellpoint destroyed that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or about XXXX I reported my Capital One credit card ( # XXXX ) lost.It was locked out by C/O and a new card was issued, when I attempted to activate new card is when the problem started. # 1 I had problems communicating with customer service due to very fast broken English. I was told to send my identification to C/O fraud department which I have and now they say they can't read it.I am very disappointed with the company and have canceled my cards, the problem is I have approximately {$300.00} in rewards they say I am unable to get after I no longer have their cards.I feel C/O owes me this rewards money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a guitar on XX/XX/22 from XXXX using my PayPal Credit account. A few days later, I received a keychain in the mail and not the guitar that I ordered. 

I requested a refund from the seller but he denied my request. I tried to get in contact with XXXX for around a week via email since they have no phone support with no luck. So I ended up opening a dispute with PayPal and PayPal Credit. 

Eventually XXXX said they would issue a full refund, but I would have to close the disputes. I tried to do so, but PayPal and PayPal Credit still to this day XX/XX/22 will not close these disputes and still no refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation