BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Newrez LLC has placed lender-placed hazard insurance on my account as of XX/XX/23. 

I worked diligently to provide my insurance information to them over the last two months. I submitted the information via their website on XX/XX/XXXX. I called them and was told the issue would be taken care or I would be contacted informing me otherwise after putting them in contact with my insurance provider on XX/XX/XXXX. 

Not once have I received a confirmation or update as to what is wrong with my insurance documentation or whether or not the issue has been resolved other than the automated emails warning me about the impending lender-placed insurance. 

They openly admit to overcharging for the insurance in their documentation and charged me XXXX annually for the hazard insurance. I suspect being extremely negligent and allowing this insurance to be placed is part of their business model. I've had this same mortgage for many years and never had an issue until they sent me these warnings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX & XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquiry : 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 2021-12-15
Company: Experian Information Solutions Inc.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 2021-07-20
Company: COMMERCE BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XXXX I accepted a XXXX XXXXXXXX credit card offer from Commerce Bank. The offer was for a {$150.00} cash back redemption to be applied to my credit statement within 6-8 weeks of making a purchase of over {$1000.00}. A purchase of {$1800.00} was made on XX/XX/XXXX, and I've made above the minimum payments since then, which was another condition of the offer. As of today, XX/XX/XXXX, I have not received my cash back redemption, which is around 18 weeks after I made the required purchase. I spoke with someone at the company on XX/XX/XXXX and was told a decision would be made within two business days. I have not heard back from them and according to my account, I have not been awarded XXXX points ( the equivalent of {$150.00} ) or had my account balance lowered by the promised {$150.00}. I sent an email to the contact on their website on XX/XX/XXXX, and someone named XXXX XXXX responded with the following message : " Upon consulting with a separate credit card area, we have been advised that XXXX Reward points have been manually added to your account. '' That has not happened. I brought this to his attention and he has not responded. My guess is that they plan to award the points only after I've paid my balance down below {$150.00}, thus forcing me to redeem the points for a one of their gift card offerings instead of actually applying this amount to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: DFC Global Corp.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened in my name with XXXX XXXX in XX/XX/2019 as a result of identity theft. This account has never shown up as a trade line on my credit so I was unaware untilI being contacted by XXXX XXXX recently. I have advised both companies of the identity theft and fraud. Neither company had provided any response about removing the account from my credit profile after several attempts. This is limiting my ability to obtain credit and negatively impacting me financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Resurgent Capital Services L.P.
State: WA
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:
I've disputed unauthorized accounts being published on my reports by Resurgent LVNV Funding LLC in XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have requested the following information : 1.Proof of your lawful authority to collect this debt without my consent. 
2. A copy of the original contract between myself and the original creditor, including my ink signature, that demonstrates my agreement to the assignment of the alleged debt. 
3. An original contract between myself and Resurgent LVNV Funding LLC with my wet signature. 
4. The original purchase agreement establishing my legal ownership of the alleged debt, complete with all terms and conditions included in the agreement. 
5. An affidavit signed under penalty of perjury confirming your organization 's compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
6. A verified certificate of authority and proof of your company 's licensure to collect debt in my state, including a valid license number and the registered agent or agent of service. 

Sending an account statement of the alleged debt from another creditor does not constitute an agreement between me and Resurgent LVNV Funding LLC. Anyone can create a statement and send it to anyone. That is not a contract. 

As of today, I have yet to receive a response from Resurgent LVNV Funding LLC let alone receive legal validation of the accounts being published on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spoke to NCB Management about this account and advised them that the original creditor removed this debt because it was a result of identity theft. The original creditor from my understanding is XXXX XXXX They indicated they were not aware when they purchased the debt and further action would cease. Now they have put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been requesting Mortgage Assistance with my lender Bayview who was transferred from XXXX XXXX XXXX. I have done what i can to keep close communication with my lender Bayview, but it seems Bayview is having employment issues going on and cant keep people employed with them. I had my file submitted to them about 3 times now and I had been told when my 3rd Party was calling that they got the docs and no more docs are needed- then they would call back a week later for a update and get complete different answer with who ever answered the call had no experience at all and no clue what they are doing. I have about had it with Bayview and need your assistance getting this file assigned and to stay assigned to one person w/ Bayview and not ever be transferred to one other person again. You will see the notes from XXXX XXXX XXXX that have been doing all that can be done to help this process move forward to get me a resolution with my lender, this is my home and I am very ill and suffer from XXXX and have many major other medical issues going on and i know i dont need a lender that cant hire a staff of people to do the job correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: VA
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:
I have officially filed complaint with the Federal Reserve - Minn against multiple Creditors ; Equifax, XXXX and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: 3rd Generation, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was disputed twice recently deleted from my credit and now it's bank showing from a different debt collectors agency this needs to be removed please I've tried contacting this company to dispute it is difficult to contact office and staff was extremely rude vague and dismissive I was cursed at a few times and hung up on multiple times this is effecting my credit I am a single mother struggling to fix my credit to buy a home I really need this to be made right and go away it's been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021, I sent a letter certified receipt along with notarized affidavit to Fed Loan Loan Servicing XXXX. XXXX XXXX, PA XXXX Account Number : XXXX Tell them the following. 

I would like to make arrangements to settle the above referenced matter. 
Please provide me with your statement of the amount owing as of XX/XX/2021. Together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Thank you very much. I told them if I do not get this item by XX/XX/2021 I want all student loans reporting showing on all credit bureaus to be removed immediately to include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: ProCollect, Inc.
State: MS
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:
I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress. 

Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy. 

Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. 

I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.

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 2023-08-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I authorized a payment on XX/XX/XXXX for my loan of {$130.00}. However, there is a dual charge on my bank account now ( as shown in the attached picture ), I am assuming that the one labeled retry was a reattempt of a charge on XX/XX/XXXX, both of which WERE NOT AUTHORIZED CHARGES, and does NOT show up on my account. Only the one that I authorized, the one that went through my account on the XXXX, was authorized. 

To clarify : 1 ) The charges on XX/XX/XXXX and XX/XX/XXXX are not authorized 2 ) The charge on XX/XX/XXXX is authorized Please help, as the first two charges were : 1 ) Not authorized 2 ) Not part of an autopay for my account 3 ) not shown any reference in my loan account XXXX ) Resulting in {$130.00} being pulled TWICE from my account this month ( as both the unauthorized charge on the XXXX and my authorized charge on the XXXX went through ) What is most irritating is the fact that 1 ) these charges were not AUTHORIZED and 2 ) the unauthorized charges did not and do not show up on my loan account, so it is not even applying to my balance. 

I have tried contacting the company the following times : 1 ) XX/XX/XXXX + XXXX - through both their phone line and email support but to no response 2 ) XX/XX/XXXX - I was able to talk to a person on the phone but the representative said " I have to email support and they will get back to me. '' I, then, sent ANOTHER email but I still have not received a response.

It has now been over three business days and no one has still reached out to me regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
lowes credit card, there was a charge on there for XXXX from another state and It was not in that state. I told them this and I told them until they fix it I would not pay. they did nothing. it has been several years and I have been denied credit ( low interest rates due to this ) I believe it has been over 4 years and I have not paid a dime, also, my limit was only about XXXX and they have on credit card that I owe over XXXX. I want this removed from all 3 bureaus. this is not right for them to be doing to me.

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 2023-08-24
Company: Bread Financial Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: GA
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 List of accounts below has 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  has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
BY MISTAKE I SENT YOU THE WRONG FILE I ATTACHED A NEW FILE WHERE YOU CAN SEE THAT I WAS INELIGIBLE FOR CHAPTER XXXX BANKRUPTCY AND TRAN UNION CREDIT REPORT DENIES ANY UPDATE TO MY FILE APTER I TRIED SEVERAL INTENTS XXXX  AND XXXX  UPDATE MY FILES BUT TRANS UNION CREDIT REPORT REFUSE TO DO IT THE REPORT FROM THE COURT SAID THAT I WAS INELIGIBLE FOR CHATER XXXX BANKRUPTCY

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 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
My wife and I were part of XXXX breach of 2022 and Capital One knows this and refuses to take off charges that are fraud my wife was in and out of hospital during this time and she handles all the bills so that's what took so long before it was noticed this was explained to her Capital One as well as Mine we sent medical records for proof and they still won't take care of this my wife thinks we are being discriminated against because we are poor this is horrible the stress it has put on both of us identity theft is horrible and will follow us the rest of our lives it is not my fault I refuse to pay for fraudulent charges

Company response to consumer: Closed with explanation