BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is in response to an additional issue with our mortgage servicer NewRez dba Shellpoint as we just received an additional document this week on XX/XX/XXXX. 

On XX/XX/XXXX, we received a mortgage statement from NewRez DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX, XXXXwith a Payment due amount of {$810.00}. This statement was inconsistent with Official Form 410S1 filed on XX/XX/XXXX with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by XXXX XXXX XXXX of XXXX XXXX XXXX on behalf of NewRez. Official Form 410S1 stated that beginning XX/XX/XXXX our mortgage payment would be {$940.00}. 

We had previously received a Mortgage Statement DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX which stated our payment amount was {$920.00}. 

We were issued two statements with a XX/XX/XXXX, XXXX due date, with two different Escrow payment due amounts. 

Furthermore, on XX/XX/XXXX we received a letter due to our previous CFPB complaint from XXXX XXXX of the NewRez Compliance Department. Please see this letter that was sent to us through the CFPB portal and attached in this current complaint. 

XXXX XXXX letter was inconsistent with Official 410S1 filed with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by NewRez and the Mortgage Statement we received dated XX/XX/XXXX. 

We demand these complaints below to be answered in their entirety. 

1. Why did we receive two Mortgage Statements with a Payment due date of XX/XX/XXXX and why did the statements show two different escrow amounts. 

2. As Official Form 410S1 was filed by NewRez with the bankruptcy court and which stated our new mortgage payment would be {$940.00} beginning XX/XX/XXXX, why did Ms. XXXX state in her attached CFPB complaint response, state that our payment due for the XX/XX/XXXX installment in the amount of {$830.00} less the {$25.00} in unapplied funds from the return payment fee being waived? 

3. As Official Form 410S1 states that our payment beginning XX/XX/XXXX, XXXX would be $ XXXX how did did Ms. XXXX XXXX the new payment amount of {$830.00} beginning XX/XX/XXXX and why does this directly contradict Official Form 410S1. 


4. Why is the ESCROW DUE AMOUNT on our Mortgage statement dated XX/XX/XXXX, XXXX show an ESCROW PAYMENT DUE OF {$240.00} 33 however Official Form 410S1 filed one month prior states the ESCROW PAYMENT DUE is {$350.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use the card in XX/XX/XXXX. At that point it was declined and I realized the card had expired in XX/XX/XXXX. Contacted company XX/XX/XXXX ; they claimed they sent a new one out so they reported it stolen on my credit report and stated they would send out another. I never received the card so I called back XX/XX/XXXX about 2 weeks later they said it takes 3 weeks. Waited again till XX/XX/XXXX then someone told me it would take up to XXXX weeks and some days they will order another. So for the past 2 months I have been charged a {$12.00} account fee and I havent had a card that I could use actually since XX/XX/XXXX. I tried to get the fees reversed but they refused. This is really wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Bread Financial Holdings, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon completion of the final payment to honor the lease agreement between myself and XXXX XXXX with option to purchase my wife asked the rep from XXXX XXXX XXXX about obtaining the title to the vehicle and they couldnt give her an answer. I got a notification from XXXX XXXX about a change to my credit score. My XXXX score dropped XXXX points I Transunion score dropped 150 something points. XXXX has reported my account delinquent. Not only was this account not reported on every XXXX payment I made for the last four years now they ruined my credit at the end of the lease.

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 2021-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My information was used and published without my consent. Please see the attached.

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 2022-09-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : XXXX, XXXX and equifax. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the equifax data breach. 

All account information and dates are on attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charging monthly fees and over drafts fee that wasnt my fault because I balance and add my money up on a regular, they also will double charge which causes your account to be over drafted if funds not available.

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 2020-01-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for PayPal credit card as well as the Pay in 4 feature that is offered with PayPal checkout. I was denied credit after extending my own credit to PayPal. I have sent a notice of dispute for denial. I have chatted with customer service numerous of times with understanding that they have violated my consumer rights.

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 2021-03-10
Company: EQUIFAX, INC.
State: IL
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 sent my 1st letter disputing inquiries back in XX/XX/2020 to Equifax and XXXX. I never received a response in the mail and I also called to verify Equifax received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from Equifax and XXXX that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know Equifax and XXXX are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Funding is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt was reporting on there. I was very confused because I had previously been garnished for this debt and it was taken care of. However, now they are still reporting a balance and it has been a very long time. I do not owe this debt and they must remove this from my credit file. They are in violation and it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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:
Hello, I have been disputing items on my credit report since XX/XX/2021 with XXXX, Equifax, and XXXX. To date I've never received any documentation from XXXX, Equifax, or XXXX with verification and reinvestigation of the items in question as requested. Instead, XXXX Equifax, and XXXX continue to report obvious inaccuracies on my credit report and because of this it has caused harm to my credit worthiness. I'm also attaching the dispute letters sent to XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a checking account with Chase on XX/XX/2021, and initiated a transfer of {$1000.00} from my primary bank ( XXXX XXXX ) to the newly opened Chase Checking account in order to properly fund the account. By the next day, I was locked out of my account ; I could not sign into my Chase checking account/my Chase Amazon Prime credit card. I have owned an Amazon Chase credit card for two years with Chase and have been paying it off with the same People 's account that I used to fund the Chase checking account. The XXXX XXXX account was already verified through Chase for years and that status was active. However, the transaction was cancelled and I was locked out of my account. 30 minutes late of phone calls and all I was told was do not use XXXX XXXX ever again to fund your checking account because " we could not get a hold of them over the phone to verify your fund. '' That is insane! I use that account to pay off my CHASE credit card ; it is already verified! This should NOT have happened. Absolute waste of my time to sort out this unnecessary mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-03-07
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/23, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 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 cause 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 2021-09-16
Company: AES/PHEAA
State: CA
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:
I have been working for Public Service Loan Forgiveness since graduating from medical school in XXXX. I consolidated my loans and set up automatic payments ( usually by XXXX XXXX House ) direct from my bank accounts. I changed my loan servicer from XXXX XXXX, whom I found very capable, to FedLoan. By XXXX of XXXX, I noticed that their count of my qualifying payments seemed to be far short of what I expected. I asked them to review. They counted it as a request to see if I qualify and told me I did not. I called again, asked for help, was told a ticket was being opened, and received a packet in the mail with copies of payments from previous loan servicers, such as XXXX XXXX, XXXX, and even DirectLoans, I believe. There was nothing to help me understand the codes listed, what the information actually was, or how it translated to the count that FedLoan was telling me. I submitted paperwork again to certify my payment count around the end of XXXX, and was told I had not made enough payments. I called customer service to ask for help, and from that call was sent a letter documenting balances and payments made in XXXX and XXXX ( most of the payments I believe are being counted erroneously are from XXXX to XXXX ). So those were useless. I called again ( I am not sure which month, estimate around XXXX or XXXX ), and did finally speak with a CSR who agreed that because of the reason for the payments not counting, " Out of Window '', ie paid after the due date for that particular payment, all in a row, for nearly every loan, that it looked like essentially something had been shifted in terms of what due date a specific payment was being associated with. Those account for 3 years worth of payments. Another 7 payments ( x XXXX loan account numbers ) don't qualify because they could not find a bill for that particular payment. It seemed like at least the Out of Window payments would be manually reviewed and reconsidered as qualifying. I then received notice on XX/XX/XXXX that they felt all counts were correct. I called again on XX/XX/XXXX, and was told the only option was to request a manual review again, so I did. I am still waiting to hear back from that, but am not confident that they will do it correctly the second time around. I have been caring for underserved patients for 11 years now, paying off my loans the entire time. FedLoan is incompetently handling my PSLF and is bailing out anyway in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!! 


RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: IL
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 credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation