BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on the refinance of our home the end of XX/XX/XXXX. We do live in a flood plain and have had flood insurance since we purchased the home in XXXX. Our refinance was done by XXXX XXXX XXXX and was transferred to XXXX XXXX in XXXX and then on to NewRez in XX/XX/XXXX. The flood insurance was figured into the closing, the amount that we had been paying for 8 years, but during the refinance, we had an appraisal and our home appraised out at a higher rate. The end of XXXX we heard from NewRez stating that they had no evidence that we had flood insurance and if we couldnt provide proof, they were going to place lender-placed flood insurance. I immediately sent them the paperwork and approximately 3 weeks later, they sent paperwork back stating that it wasnt enough insurance on the house and we needed to increase the flood insurance. I contacted my insurance agent and she increased the amount and sent out the new paperwork but because they have several addresses she sent it to the wrong one. Therefore, approximately 3 weeks later I received another letter stating they were placing lender-placed flood insurance. So, I called them, explained what happened, sent the the updated paperwork and thought everything was fine. My flood insurance policy has to be renewed every year and the renewal was coming up the end of XX/XX/XXXX. I received a statement from my flood insurance policy stating that my flood insurance had expired. So, I called NewRez and asked them why they didnt pay it and they said they didnt know it was to come out of escrow, even though I have the closing paperwork that proves otherwise. So, they took the money out of escrow and paid it. I thought it was straightened out. Then, about 1 month ago, I received paperwork of an escrow analysis for the coming year and they had the lender-placed flood insurance included in the escrow analysis for the year. So, I called them again and they said they fixed it, and about 3 weeks later I received an updated escrow analysis. But, they are still charging me for lender-placed flood insurance from XX/XX/XXXX through XX/XX/XXXX because the insurance wasnt at the higher rate that we changed it to when it was renewed. I feel that I should not have to pay this since I had flood insurance on the home at this time. I feel that because they have made so many mistakes, I just want to make sure that what they are doing is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX  my ex boyfriend received a phone call on the phone line i previously had and stated that a debt collector was looking for me and leaving voicemails on his line, when he called the debt collector back to obtain information, they stated they were looking for XXXX XXXX. He would not have know that was debt collector had they not had specified that on the voicemail. Now, he has my personal information and knows there is a debt allegedly out there for myself. This is 100 % against the FDCPA 's voicemail standards as they are not supposed to identify themselves on a voicemail as a debt collector unless that voicemail specifies that specific person 's name on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 wrote to XXXX XXXX XXXX via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXXXXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXXXXXX XXXX XXXX has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXXXXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXXXXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX  continues to falsely verify as accurate. This has to stop at once!

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 2023-02-06
Company: EQUIFAX, INC.
State: NY
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened this account while away at XXXX. XXXX for XXXX XXXX training in XXXX XXXX, Utah in XX/XX/XXXX, the XXXX location was inside XXXX XXXX XXXX building. My credit file is showing that I opened the account in XX/XX/XXXX, which is 3 yrs old and the amount owed is {$300.00}. This is false, I have had XXXX XXXX service since before leaving Alabama in XX/XX/XXXX. This account is actually over 7 years old, and the amount owed was {$170.00} ; my credit file is showing that I owe {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2022, I purchased a home and Settled the transaction with XXXX XXXX. XXXX XXXX XXXXXXXX Due to timing constraints with sending a wire transfer for closing, I sent them a more money than what was actually due to close just in case. This is common practice, and XXXX XXXX sent a refund check back to me via US mail. I have USPS Informed Delivery and no mail from XXXX XXXX ever hit my mailbox. 

I did not receive the check back from XXXX XXXX, and later when I inquired with XXXX XXXX about it, they told me the check had already been cashed. It was not cashed by me, i asked them for a copy of the cancelled check, and it was not my signature. Further, it was cashed via mobile deposit with Bank of America, but that is as far as they could see. They were unable to issue a new check to me until the bank finished the investigation into the XXXX. 

XXXX XXXX 's bank is XXXX XXXX Bank, they filed a report with BofA about the fraudulently cashed check, and this 'investigation ' has supposedly been ongoing since XXXX, going on 6 months now. No status updates have been provided by either bank, I am still owed {$3500.00} and nobody will give me any information.

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 2017-07-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /2017 and are proceeding to sale set for  XXXX / XXXX /2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
I am writing you because I have sent out 3 certified letters to Equifax and XXXX on an account that is incomplete and inaccurate information on my consumer report. Each time its coming back VERIFIED and ACCURATE. However, I have studied and educated myself in consumer protection rights- Under FCRA it states whatever is reported to my credit report must be accurate and correct. In this case, it is not and I demand to delete this entire account immediately or I will file lawsuit because this FCRA violation. 

XXXX XXXX XXXX ACCT XXXX I have upload a image to show the inaccuracies on my consumer report. there's no way you can be on-time 30 days late In may 2022, 60 days late in XXXX, on time in XXXX, 90 days late in XXXX and then XXXX XXXX showing Collections. 

I DEMAND THIS ENTIRE ACCOUNT DELETE FROM XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Had gotten aprrove for another loan on Saturday.. representative never called me back to finish the process.. went on line and it said I was approved but never received it. Call today to see what was going on and I was on hol d 20 m ins and more the 3 times I called. When I call back th e 4th tim e the lady knew who I was before I even said  hello..At  this time I 'm frustrated due to the improper customer service I ask her anyway I could cancel it and she rudely said we will have someone handle it and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report with no reporting company? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? 
account in question XXXX they have 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at Synchrony Bank & XXXX XXXX XXXX company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position showing the fraudulent items related to the accounts that are the result of identity theft.

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 2022-11-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I sent off certified mail with return receipt to WELTMAN, WEINBERG & REIS CO., L.P.A on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for XXXXXXXX XXXX XXXX by Weltman, Weinberg , Reis Co., L.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling a product on XXXX XXXX, person 1 agreed to buy itXXXX XXXX The following is through XXXX XXXX We had various conversations through email until they agreed, after them sending the money i received an email saying i had to upgrade my account to a business account and other deposits. The email was made to look like it came from XXXX themselves, after {$500.00} was lost via this, i called XXXX as i never received the payment that the amount was for, and they confirmed that it was fraud from them using the company face and pretending to act like customer service. Several peoples were involved in the scam project ( or i was led to believe so ) after filing a claim with my bank they denied it, and after reopening the case and providing even more documentation and evidence, they denied it once again despite XXXX confirming it was fraud and me having evidence. They can no longer open the case and refuse to dispute for my {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi, XXXX XXXX XXXX XXXX are trying to collect a debt that I do not owe to them & I have never done business with XXXX XXXX  XXXX XXXX XXXX The amounts they sent to me are very confusing and misleading please immediately remove the okinus account from my credit file. They are in violation under the FDCPA & the Truth Lending Act. Since this has been multiple ignored attempts I am seeking litigation for damages. 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 XXXXWashington, DC 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 2023-09-07
Company: EQUIFAX, INC.
State: TN
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:
The following hard inquiries were submitted to my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I understand that cfpb is suing Navient/XXXX and I would like to be a participant in that lawsuit. My student loans from XXXX XXXX XXXX XXXX XXXX originated at {$70000.00} for a degree in XXXX from a for profit college. They are now currently over {$140000.00}. I am in over my head in debt and have been from day XXXX. Not only was it unethical to lend that kind of money to a young person in their XXXX 's, for a degree with a known history of underemployment/low wages. Then to balloon the loans constantly with fees, surprise fees, and more fees. No counseling. Not knowing what is in my best interest. I 'm told by Navient there is no settling on the loans. The loans were serviced by XXXX XXXX and now by Navient. I 'm now XXXX with health problems that interfere with my ability to work. I have received XXXX in the past few years. I need help. I feel the lender/services are unethical in their practices. I 'm tired of all the exorbitant fees that have ballooned this loan. Navient is quick to offer forebearance while I 'm out on XXXX, then charge me fees after telling me my payments were XXXX. They have offered me no counseling, no understanding, and no options to get relief from debt they happily continue to balloon. It 's unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation