BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We ( me and wife ) received escrow disclosure statement from our mortgage company Call Specialized Loan Servicing, we send them a letter that according to their own statement we overpaid, but they are saying there is shortage which they can't explain or never even responded to our letter, we need to clarify as to only things paid by them is our Property Taxes and Home Insurance which by their statement on page 3 is monthly {$760.00} x 12 = {$9100.00}. On page 2 of the statement from XXXX of XXXX to XXXX of XXXX we have paid {$10000.00}, which is over payment of {$1200.00}. 

We have attached the Escrow Account Disclosure Statement of XX/XX/XXXX Letter of XXXX XXXX which they said never received. ( conversation of XX/XX/XXXX with XXXX XXXX and 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 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Many times missed which is actually reported on my credit report looks like inacurate and or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was no contract with Capio Partners. However theyve reported a collection for {$390.00} despite requesting {$270.00} then {$240.00} from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PENNCREDITCORP called on XX/XX/2018at XXXX EST and said ( in a recorded statement ) that they were collecting a debt that I owed. The amount was {$160.00} ( I did not get the exact amount ). At no time die they say who I owed the debt to. they only demanded that I do not owe anyone. I just have monthly credit card bills which I pay off, in full, every month.I

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/XXXX I called Barclays Bank Delaware to set up auto-payment and it didnt go through so I called again in XX/XX/XXXX and got sent to a higher manager ( XXXX ) who went through it and set it up with me and I am just receiving information now that they havent been getting the auto-payment from XXXX till now in XXXX of XXXX. So now they charged me ridiculously raised balance for their negligence. I have no problem paying it outright, but I dont accept their surcharges for their mistakes. Whenever I tried to email, call, or use the mobile app it just hung up, no response, or told me to call them in which they never answered six times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
Today on XX/XX/2018, I attempted to dispute inaccurate addresses online with the credit bureau Experian. I was only able to dispute one inaccurate address. I call decided Experian. I provide my current and accurate address but Experian still refused to remove the inaccurate addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Square Inc
State: FL
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:
On XX/XX/2020 fraudulent activity, withdraws were made through both my fianc and my bank accounts By Cash App./Square Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.

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 2019-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed unverified and unauthorized accounts with the credit bureaus and they have taken them off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I requested that Experian verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 Experian responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, Experian in error is naming XXXX XXXX XXXX XXXX the grantor of this alleged account. 

On XX/XX/2018 I requested a method of verification ( see attached letter ) from Experian investigation and has not received any information from Experian alleged investigation, I have also submitted a second request written request to Experian in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success. 

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX  fail to validate this alleged account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount :  XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: EQUIFAX, INC.
State: NY
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
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: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/2018 I requested that XXXX verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 XXXX responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, XXXX in error is naming XXXX XXXX XXXX XXXX  the grantor of this alleged account.

On XX/XX/2018 I requested a method of verification ( see attached letter ) from XXXX investigation and has not received any information from XXXX alleged investigation, I have also submitted a second request written request to XXXX  in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success.

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX  ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX fail to validate this alleged  account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have XXXX nor have I ever had XXXX. I disputed {$530.00} this many times but never received proof this is mine. I did receive notice that this was deleted on XX/XX/2017. I have sent the notices. Please help me fix this so i may obtain my correct credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: AES/PHEAA
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:
Beginning XX/XX/XXXX through XXXX XXXX, I entered into a forbearance for my student loans with XXXX XXXX. However, there are late and delinquent reports on all sixteen of my XXXX accounts on the three major CRAs, dating XX/XX/XXXX-XX/XX/XXXX. I have disputed these markings with each CRA to no avail. XXXX XXXX refuses to update the CRAs with accurate information. The inaccurate information XXXX XXXX continue to report for the time period of XX/XX/XXXX-XX/XX/XXXX is damaging, unethical and noncompliant with the FCRA. 

I have attached to this complaint, a letter I received from XXXX XXXX  that clearly states my account in Forbearance status from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: DISCOVER BANK
State: KY
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:
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion unlike the other two credit reporting agencies has a really bad website that's been causing issues for years now. I have to call their support everytime I need to just log in as the website is glitching on the logging in page everytime I try to just lift a freeze or do anything. No issues with the other two again just TransUnion, they need to fix their website asap!

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 2018-08-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX XXXX  started a pre-approved modification with 3 trial payments. After I made my 3rd payment they transferred servicing to Shellpoint mortgage but because Im currently in a chapter XXXX bankruptcy they will not speak to me even though my attorney had given permission to chase. I need to keep my house. I have been paying on time for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: RoundPoint Mortgage Servicing LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My existing loan was recently acquired by Roundpoint Mortgage company. In order to make an automated phone payment they charge {$10.00} ( Ten Dollars ), when speaking with a phone representative they charge {$12.00} ( Twelve Dollars ). The only free option is on the computer or my mail. I feel this is an unfair practice and taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Paying off an installment since XX/XX/XXXX, I have had some issue paying on time due to lags in employment and low wages. I was able to get my bi weekly payment date changed to coincide with my new job, starting XX/XX/XXXX. I paid on time on XX/XX/XXXX and was notified via email by the company on XX/XX/XXXX that my next payment was due on XX/XX/XXXX. They deducted the amount two days early on XX/XX/XXXX. I did not have the funds to cover the amount and now have a negative checking balance, which is increasing due to over draft fees daily. I have no money to eat, travel, or pay other bills with as this will take up a big chunk of my paycheck on XX/XX/XXXX and will result in me being late on my phone bill, due this month and my rent due next month on the XX/XX/XXXXXXXX. I contacted the company via phone and was told there was no reason as to why the funds were taken out early and that it could take days to sort this out and I was denied a definite yes or no on whether or not they would pay overdraft fees. I was also not given a time frame towards any solution. Just an email to send copies of my bank statements. Please help as soon as you can as I have no money and way to get to work after today. I was also told that my next payment date of XX/XX/XXXX still stands. I mistakenly took out a smaller, payday loan in an attempt to act as a buffer, but it did not come in on time and was too low, now I have that to deal with as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
late fees have been charged to the account and are the only charges on the account Two previous calls to AMEX I was assured late fees were waived. each time the charges have not been waived and more late fees are assessed against the previous late fee. The third call I cancelled the card and was again assured that all charges were waived and result in a XXXX balance. That call occurred on XX/XX/18. when I cancelled the card I spoke to an on-shore representative and explained the issue. His advice was to speak to a supervisor if the charges were not removed. Once again the charges were not removed and more late fees assessed. I call back to AMEX on XX/XX/18 and asked for a supervisor. I was told the supervisor would call me back in 15 minutes. It has been 4 days and I am now submitting this compliant on XX/XX/18.

Company response to consumer: Closed with monetary relief