BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights.

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: ARVEST BANK GROUP, INC.
State: MO
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:
Continually being chrged XXXX by XXXX XXXX and was recently charged XXXX by 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 explanation
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Good day, To whom it may concern On XX/XX/2018 I paid to Chase the full amount of {$4100.00} and paid off my car. For some reason the person who took my call did not verify with me all the information a had provided to them about my bank. Two weeks later I received the title of my car. Then a week later I received a letter from chase saying my payment did not went through and that my account was open again. I call them gave my information again the person who answer me double check the information I gave them and my payment went through 3 days later. So when chase reported this to the credit bureau it hurt my credit and drop 29 points on my credit score. I should not be penalized on my credit score and I want those points back. If anything my credit should have gone up for paying the last 6 month in full. My score went from XXXX on XX/XX/2018 to XXXX on XX/XX/XXXX. May you please help me recover my points as I am looking to buy a house and I dont want to get higher rates because of my score drop. Both my credit bureau XXXX XXXX and XXXX  dropped. Thank you in advance for your consideration. 

Best Regards, XXXX XXXX Cell : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 

Bankruptcy Chapter XXXX Discharged - - Court US BKPT CT GA XXXX XXXX - Reference XXXX - - Responsibility Individual

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 2023-11-07
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was out of a job for for about XXXX. Instead of asking my family for money I renew my loan back in XXXX. I'm still actively looking for a job One main financial in XXXX, MO calls me XXXX times a day and tells me they are gon na take action towards me. I have them included in a debt consolidation program and they still harass me for payment. I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collectors keep texting and calling for a credit card called 'XXXX XXXX XXXX XXXX ' I have never opened up credit card. I think someone used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : 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 Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.

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 2019-02-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called hunterwarfield inc about one acct that shows i owe them XXXX ask the company to provide me a letter. they refuse I have a seperae acct with them that im currently disputing for XXXX which their trying to combine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The are harassing me indicating my mortgage is late. I completed the FHA Streamline Disaster Trial Period for which and I finally received my modification papers fro which I signed and had notarized on XX/XX/2018, sent that very day. It indicating my payment would be {$950.00} ( P/I of {$660.00} and Escrow {$280.00} ). And I continued to make payments was short whereas when I calculate what I paid vs what was paid out for T/I, I am well overpaid. Now they are saying on top of the escrow shortage, my mortgage is $ XXXX higher than what it was!? ( This is literally around the balance of my mortgage on the was around the balance of my mortgage on my XX/XX/2018 statement - I have copies of everything )! I was even getting charged monthly inspection fees when they weren't actually doing he inspection. They could not provide me only provide me with 1. I made several calls with only a few being returned. So I when I did speak to a CSR, I was told to report XXXX XXXX to HUD for which I did, only then did she start to respond since I sent email notification to the " Escalation department '' and CC her indicating. I have yet to hear back from them. It has been 517 DAYS and they still cant get this right. I am at whits end!! I don't even have access online to view what they are doing to my /account. Like they are being shady and hiding something. I told XXXX I AM NOT LATE, do not harass me and tell me I am and then she proceeds to tell me she will note I don't want to received ANY calls. NEVER did I say I didn't want to receive calls, I don't want the harassing calls saying I am late when I am not!? This is what happens when people are not capable of doing their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
This year I fell behind on my mortgage with Shellpoint Mortgage Servicing/ NewRez and was told I need to go on a repayment plan. My payments went from $ XXXX/month to XXXX XXXX/month. When I started this repayment plan, I put over {$6200.00} down to show I was trying to get caught up. However, they're now saying they have no record of that payment and there has been no money put towards my escrow during this time of my repayment plan, which has resulted in over {$18000.00} in negative escrow due. 
I made all of my payments on time until XXXX. I called to make my normal payment, because I can not pay online or via phone. ( I have to speak with a rep every month. ) And when I called to pay {$1700.00}, they told me I owe over {$5000.00} on that month because my insurance fell through, and they put me on lenders placed insurance. Nobody told me I my insurance had fallen through, or anything was wrong with my account any of the previous months. I immediately got that fixed and was told my payments of {$1700.00} would resume. I requested an itemized list of every charge on my account and have not received it. I also, requested an outline of the " insurance '' I was placed on and haven't received it. I'm also locked out of my account which they are aware of. 
I've been told I was on lenders placed insurance with three different timelines and no solid answer to any questions I have brought up. I got ahold of a Supervisor XXXX XXXX and she left me high and dry with no answers or reply after telling me that what they were doing to my account was illegal. I have exhausted all avenues to resolve my account and have these wrongful charges fixed. 
I also am military and will be moving XX/XX/. My house is listed for sale, and I've had three offers that I had to turn down because the amount of negative escrow on my account. At this point Shellpoint Mortgage lender is ruining my credit, my account with them and wrongfully allocating my money in order to force a wrongful foreclosure. I've also since been removed from the repayment plan, so it shows my late on my account for multiple payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Avenue CCA # XXXX Ref # XXXX Ref # XXXX I have twice sent a request to XXXX Bank to provide me documents to prove the validity of a debt they sold to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX  and they too can not provide me with any copies of any contracts attaching me to this debt or previous statements from the account opening until the ending closing date. XXXX XXXX XXXX has also stated that do not have an How can XXXX Bank sale a debt with out the proper documents. I have stated that I dispute this debt and am once again requesting the following -I request copies of all monthly statements on this account from account opening date through closing date of account ( XX/XX/XXXX- XX/XX/XXXX ). 

-I am now requesting XXXX Bank provide copies of the bank letters mailed on XX/XX/XXXX and XX/XX/XXXX, as stated previously stated in XX/XX/XXXX. 

XXXX Bank has denied me access to these documents required by law. 
There is no full detail of the accounting details or legitamacy of this account. How could XXXX   Bank sale this account with out anything more that partial statements? XXXX Bank bought this debt themselves and does not have the documents. 

XXXX XXXX has also denied being given or having access to the documents I have requested. This sounds like FRAUD. Both XXXX Bank and XXXX XXXX is This is in violation of the Fair Debt Collection Practices Act by using deceptive practices of denying me information I requested with in the time frame allowed by law also request a copy of documents used to open this account ( Drivers License - ETC ). I also request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection account negatively affecting my XXXX Credit Report, this account was paid by my Insurance, and I have a copy of the claim paid to my Insurance I already talked to the original Creditor and they recognized that the account was paid in full, The Credit Bureau made an investigation and the Collection Company reported this account as Accurate I need to remove it, please help me, I have a proof that this claim was paid

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Re : Dispute of XXXX XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XXXX XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by TransUnion, while XXXX reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report as of XX/XX/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 2020-09-15
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This credit card is used strictly for balance transfers. I have never missed a payment or let a transfer amount lapse, so I never had to pay interest only the transfer fee. On XX/XX/XXXX, I had a promotional balance transfer expiring in the amount of {$2400.00}. On XX/XX/XXXX, I made a payment for {$2500.00} The credit card company applied the funds to another promotional amount due XXXX I requested a reversal of the funds. I was told the funds were mailed on XXXX instead of refunding via the original payment method. I never received the funds. I was told to wait 2 weeks before another check can be issued. I never received the funds, so after several attempts, I filed a fraud claim through my bank to get the money back. I then paid this same amount of {$2500.00} on XX/XX/XXXX to apply to the same expired transfer balance. Of course this was after the XXXX  due date. The credit card charged a late fee and since XXXX an interest charge. They claimed the {$2500.00} was not paid timely, so it's now treated as a revolving charge. I have paid, {$500.00} on XX/XX/XXXX, {$400.00} on XXXX {$400.00} on XX/XX/XXXX and they allocate the payments to a balance transfer due on XXXX This is to constantly charge me interest at 24.24 % on the " revolving credit " which is about XXXX XXXX  monthly. This balance has not decreased since. I have send emails since XXXX and call on numerous occasions. This defeats the purpose of a balance transfer. This is to keep me in debt by charging me unnecessary fees. This was their doing. I request management and was constantly told the system allocate the payments and they can not do anything about it.

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 2020-12-27
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Not only did they fail to file my disputes when I submitted them they have been extremely rude and volatile towards me. I called back to check them and that's when I had to resubmit them and they denied them. These charges were blatantly fraudulent. Ordering pizzas in other states and using XXXX pay to someone I don't know. I've spent hours upon hours on hold and speaking with incompetent employees that all give me different answers. I've escalated these charges 3 or 4 times without any investigator calling me to make a determination. Today I found out they closed my escalations because I have failed to provide any more information regarding these charges. Unbelievable ... .How can a company exist with such unethical practices. Not only exist but represents our government assistance. I've never been treated so terribly by a company that is supposed to represent me and my interests. I was the one stolen from and now they've turned their backs on me without my voice being heard. I don't have the exact information in front of me of the dates and amounts but I know 3 pizza deliveries in other states at the end of XXXX I think, a XXXX pay to someone I don't know, and others which I would be happy to gather the information necessary to complete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I am suffering from identity theft crime, and the problem was reported to the creditors and to the credit reporting agencies. Reported companies are ; 1. XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX and XXXX XXXX Because fraudulent accounts were made using my personal information, the accounts were being reported on my credit report. I simply requested all accounts made without my authorization to be removed immediately from my credit report. 
During the request of removing false accounts from my credit report, i have requested few documents from the creditors in order for me to inspect how these accounts were made. The requested documents were A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The creditors never provided me with hard copies of these documents, and credit reporting agencies never provided me their method of verification after the request. 

Both parties are in violation of FCRA and Fair Debt Collections practices act.

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