BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Nationwide Recovery Systems, Ltd
State: VI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This bill came from XXXX XXXX XXXX. Nationwide Recovery Systems never sent nothing to my house.I would like for this debt off my credit report for failure to send notice. I don't know the account number and there age of this account. I would like a full debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed multiple accounts and inquiries on my report I do not recognize

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 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraud inquire XXXX credit report. I have a security freeze never applied for capital one credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 PRA did a soft credit check on XXXX. I want to know why they checking my credit? is this for the same account? 

I only have one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The date charge off in the letter is wrong. The amount is wrong also. 

The lady in the charge department gave me the wrong fax number to removed off the late payments on the acct. 

No email was received for that account at XXXX cause thee police contacted XXXX  cause my emails was going somewhere else because of XXXX Security breach. 


I would like a chance to settle this account. Also, if you sent something by mail would been forward to me at the new address.

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 2022-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I set up a settlement and to a supervisor name XXXX and the settlement amount was {$710.00} set up on XXXX. Payment for {$100.00} was sent by my bank on XX/XX/2022. 

Please removed my card from automatic payments. I can make my own payments. 

I never received a settlement by email as promises. 

Also, I made a bill payment that still haven't reflected on the XXXX XXXX. I have enclosed the proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX I went to Wells Fargo ATM XXXX At XXXX XXXX XXXX XXXX ga XXXX and made a cash deposit of {$8700.00}. For Some reason, the atm took all the cash. I tried to cancel the transaction, but the atm wasn't allowing me to get my money back. It was late at night and the was a line of cars behind me which caused me to be anxious and patiently wait to make sure the money wasn't going to come out of the atm. I Called Wells Fargo as soon as I drove off to let them know what happened and they said they're going to investigate. In the car with me was my husband and my mother, I received a letter in the mail that after the investigation, the amount I supposedly deposit was {$4400.00} which is false. I don't seem to understand how the atm took an additional {$4200.00} and it not be in the atm or counted correctly. Normally with cash in the atm they go based on ATM being out of balance. So if ATM was out of balance only $ 4k thats probably why they only did that credit. The banks and atm have cameras they could possibly check the cameras because I'm missing half of the money that I deposited. Investigation was closed without them telling me what they did or use to complete the investigation. I Called them and they said the case was close they couldn't re-open those type of cases. So I submitted a complaint with the line of executive waiting on them. 
Today on XX/XX/XXXX they're going to deduct from my account {$4200.00} provided to me earlier on XX/XX/2022 to complete the {$8700.00} that I deposited I would like a further investigation to be done and the refund of my money

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 2022-02-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please reference prior Complaints ( XXXX and XXXX ) as this is an ongoing issue. My mortgage company continues to defy the law as set out by the CARES and American Rescue Plan in regards to a Covid hardship-related mortgage payment forbearance as deferral. Shellpoint ( dba New Rez ) continues to communicate with threats regarding foreclosure/short sale, most recently trying to force me into a Loan Modification when a Loan Deferral is what I was under ( see XXXX email XXXX, attached ). Since XX/XX/2021, they are BLOCKING my timely mortgage payments, then penalizing/reporting to credit agencies that I have not paid ( see attached ). 

I once again attempted to make my timely online payment on XX/XX/XXXX, but am still being blocked from doing so. My credit score is also being impacted. Shellpoint has communicated with conflicting messages throughout this 2-year process, swinging incoherently from threatening to confirming the true solution, then more threats. There is zero clarity ( or seemingly any communication WITHIN the company ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I WAS INVOLVED IN A TERRIBLE XXXX WHERE A XXXX XXXX XXXX HAVE XXXX MOMS CAR AND WAS OUT XXXX XXXX. THE CAR COLIDATED WITH ME HEADS ON. I SUFFERED A XXXX XXXX XXXX HAD TO GET A XXXX IN MY XXXX AS WELL AS A XXXX IN MY XXXX. THE CAR WAS PAID OUT BY MY INSURANCE COMPANY OUT RIGHT. THE ACCOUNT IS REPORTING OPEN WHEN THE ACCOUNT BEEN PAID OUT AND CLOSED OUT IN XX/XX/2020. 15USC 16816 ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

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 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: LEXISNEXIS
State: NJ
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 contacted Lexis nexus on XX/XX/2022 because I feel as though they have furnished information without it being verified and with my consent which is causing a negative effect on my credit reports. I have contacted them for methods of verification on the bankruptcy case they are reporting to others. They have not yet responded to where they have confirmed this information with. And it is to my understanding that they are in violation of 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: DISCOVER BANK
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company respond however I need there answers on their company letterhead XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Discover card account ending in XXXX ( Charged Off ) Consumer Financial Protection Bureau XXXX XXXX : XXXX Dear XXXX XXXX I, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB XXXX XXXX To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We appreciate you bringing the concerns regarding the repayment and settlement of your Discover Card account to our attention and regret to hear of the difficulties that you faced. Our records confirm, your account charged off due to nonpayment in the amount of {$3500.00} on XX/XX/XXXX. We understand that sometimes our customers may experience financial challenges and we welcome the opportunity to assist them. Although, we can not accept your offer of {$950.00} to settle the account at this time, there may be repayment options to help you. Please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX, to discuss any option that may be available. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me, or a member of the XXXXecutive Offices at the telephone number below. I am available Monday Friday : XXXX a.m. XXXX p.m. XXXX. Sincerely, XXXX XXXX Executive Office of Customer Advocacy Due to the age of your account, Discover Bank is not able to file suit against you, but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset. We would like to work with you to resolve your account balance. '' CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Direct Cash LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I issued a stop payment against Direct Cash LLC, and they changed their name from directcashtx to Direct Cash LL in the transaction. I consider this an unwritten attempt to revoke permission to debit my accounts. I have since sent a written attempt to revoke permission and I am awaiting a response. I consider this act deliberate as I presume they would not try to debit my account with a different name had they thought my account was closed. 

I also received a private call on the day of or shortly after the transaction, at XXXX on XX/XX/2022. I do not typically receive blocked calls. 

I am on XXXX in the state of Texas. Their abusive tactics have led me to go without food ( other than family donated ), utilities ( other than paid for by family ), and have nearly caused me to be evicted due to not being able to pay the rent. The amount of stress imposed by this companies tactics has exacerbated my XXXX and led to significant decline in everyday function. 

I also did not receive a copy of my loan agreement and was pressured into signing without reading as the agent would remain on the phone call - akin to being hovered over while you read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ALLY FINANCIAL INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today, XX/XX/2020, Ally Bank was advertising interest rates of 2.5 % for a fixed 15 year refinance. This was obtained using their web site ( online bank only ) and their refinance calculator. All the details of the refinance ( amount, location, etc ) were entered into the refinance calculator. Because of the low interest rate, we started the application process ( also online ) the same day. The interest rate suddenly changed to 3.375 %. We e-mailed XXXX XXXX ( XXXX ) and he just said the rates are changing every day. But evidently they are changing every hour, because when I went back to their online rate calculator, I was given a new rate of 3.125 % for the same loan. Again, their online calculator is lower than the actual rate they will loan money at. This is just deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: DISCOVER BANK
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I advised Discover card that I was in a XXXX  XXXX and couldn't make payments. I provided the rep my forwarding address. There was some fraud charges on the card and the fraud department refused to take my report. After they charged off the card I asked for a settlement. I wasn't working then and my only income is social security XXXX. At the time they want me to pay XXXX. I can only pay XXXX in total with payment arrangements. 


Also, I want to know the status of the account, when it was charged off and if it's time barred?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
In XXXX of XXXX Hurricane XXXX  struck Florida leaving significant flooding, property damage, and destruction in the wake. My account was current on this date. 

On or about XXXX of XXXX I contacted my mortgage servicer, Freedom Mortgage Corp. to let them know I was adversely-impacted by Hurricane XXXX  , I would be delayed in making a payment and was considering forbearance. 

In XX/XX/XXXX I formally entered into a forbearance. That was a 90 day forbearance. 
Also note, in XX/XX/XXXX Hurricane XXXX  struck Florida. 

In XX/XX/XXXX I called Freedom mortgage to request a forbearance extension. 

On or about XX/XX/XXXX I was advised I would be entering into a forbearance for Hurricane XXXX. 

I contacted Freedom Mortgage on no less than XXXX additional occasions to let them know the impacts were still present I requested forbearance extension. 

In XXXX  of XXXX, I was advised Hurricane XXXX  forbearance could not be extended and I was automatically entered into a COVID-19 forbearance, this was done without my direct consent. 

I made it clear to Freedom Mortgage at this time I was throughly confused because they were advising Disaster forbearance for Hurricanes XXXX  and XXXX  could not be extended beyond 90 days as a matter of my investors polices. My mortgage is owned by XXXX XXXX and their servicer guidance clearly provides for extensions of up to 1 year for Disaster forbearance. I asked for a clarification on this point and to be informed whether this is an overlay by freedom mortgage, an oversight, or if there was information relating to servicing I was missing. 

At the end of my covid forbearance in XX/XX/XXXX, I contacted Freedom Mortgage to request an extension of my forbearance status as I was impacted by Hurricane XXXX  as well. Again on this call I made a request for information as to the justification for only providing 90 days for the other two, XXXX and XXXX - Disaster Forbearances. I still have not been provided a comprehensive explanation for this point. I was provided information at XXXX point stating Freedom Mortgage had to follow FEMA 's guidance. The XXXX representative seemed to indicate FEMA had some form of governance over how long a forbearance could last. This is also contradictory to the XXXX XXXX guidance on their website for Disaster forbearance. 

I am seeking the CFPB 's assistance in helping me to obtain additional forbearance time and remedy Freedom Mortgage 's practices of not seeking approval for extension of Disaster forbearance. 

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 2022-03-15
Company: Experian Information Solutions Inc.
State: SC
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 following accounts listed have violated my rights : - XXXX XXXX  Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX 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.

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 2021-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates never send me a notice of the debt. I wasnt notified about this debt in a timely manner. I wasnt aware of collection activity that can be addressed promptly. I found out about this debt ; I have questions about. I dispute the debt. However, Portfolio didnt notify me in a timely manner. The original creditor was provided with an updated address in the XXXX  however no notice was sent. Which, I know that FCRA 809 ( a ) was violated.

I contacted Portfolio Recovery Associates on XX/XX/2021, to inquire about the entry list on my credit report. I asked the man for a statement on the debt. He told me the balance of {$1400.00}. He offers a settlement of {$980.00}. I told him this is high. He asked what I can afford $ XXXX for settlement with payment installments to satisfied this debt. He said cant do that. He stated they offer a payment plan. My medication is XXXX per month plus doctor visits per month XXXX. Rent is XXXX not including food. I only receive is SSA of {$1200.00}. I told the collect rep the information about the health issues. I also told him about the XXXX  XXXX and had to moved away from XXXX. Im just try to recovery from all these surgeries. Portfolio Recovery Associates is hard to work with. They not providing information regard to the account. I dont even know account number. Lastly, we have global crisis with COVID 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following accounts have violated my rights : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX* -USDOEXXXX Account # : XXXX 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.

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