BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted NewRez through their online portal requesting that they close my escrow/impound account due to their failure in correctly and timely paying one of my insurance accounts for my property. On XX/XX/XXXX NewRez honored this request and closed the escrow/impound account, which would make me solely responsible for paying all property taxes and insurance. This issue was resolved. 

However, on XX/XX/XXXX NewRez disbursed an insurance payment of {$100.00}, without my authorization while also leaving me with a negative balance on an escrow/impound account that was previously closed and honored by NewRez. This is even more frustrating seeing as though I had already paid for this insurance premium with my insurance provider. 

On XX/XX/XXXX I contacted the NewRez call center number at ( XXXX ) XXXX to attempt to resolve the issue. The agent that I spoke with advised me that I would need to speak with the Insurance Department about this issue at ( XXXX ) XXXX during business hours Monday through Friday XXXX - XXXX EST. Though I am not sure if speaking with the Insurance Department would be the correct approach. This is an issue stemming from an escrow/impound account that does not seem to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my credit karma and noticed Dept Of  Ed/XXXX late fee 's of a total of 48 on XXXX  and 54 on XXXX. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that XXXX, XXXX and experian should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with XXXX, XXXX  and experian also and it just goes around in circles the blame game.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. this debt collector has violated the Debt Collection Rule12 CFR 1006.14 ( b ) ( 2 ) ( ii ). They have called a total frequency of 13 times in a 7 day calendar period. 6 times over the rule.

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 2020-10-16
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" Enhanced Recovery Company '', a debt collection company, placed a collection notice on my XXXX XXXX credit rep

ort WITHOUT any letter or other notification advising me of that alleged debt. I am under the impression that all collection companies are required to FIRST send a letter giving the respondent 30 days to dispute the debt. This Company did NOT do this. I NEVER knew about this collection until it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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 see my related complaint XXXX-XXXX. However, I would like to know what Experian did when investigating my dispute. All of the steps that they took, all of the information that XXXX XXXX XXXX showed them and provided them with - everything that led them to rule that this is staying on my credit report. Pursuant to 15 usc 1681 ( a ) ewho did they interview? I would just like any and all correspondence between experian and XXXX  XXXX XXXX and all of the paperwork that resulted in this dispute investigation being closed and it being ruled it is legitimate and staying on my report negatively affecting my credit report please

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 2022-11-17
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My issue is with paypal and apparently this dates back to XX/XX/2021. I purchased hair online only to learn that my stylist was going in the store to make the same transaction. I reached out to paypal to see if the transaction could be stopped only to learn that i submitted thru my paypal credit account and they couldnt assist. Meanwhile i contacted the vendor and they refunded the payment right away. 


XX/XX/XXXX Paypal sends me an email stating i owe them for the transaction that they said they could never help me with and now my account is negative {$820.00}. HOW- its 2 different banks involved. Paypal and Paypal credit. THEY NEVER REFUNDED ME ANYTHING I have called multiple times and spoke to a supervisor who said that she would call me back 3 days ago. The reps insist on my speaking to paypal credit who state there is nothing wrong with my account at all NOR do they see any additional refunds Payments are bouncing all over the place due to paypals negligence Not cool

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX, at XXXX I checked my bank account to see my pay from my job and noticed someone took money out of my savings and transferred {$8000.00} from my savings to my checking account. I noticed a windows device had access to my bank account which I only use my Iphone for banking services. I immediately contacted my Chase bank and they locked out my accounts and I needed to go in person to a branch in order to open new accounts and freeze my old accounts. I also changed my passwords for all my accounts and kicked off any devices that were unknown. I now was kicked off my t mobile services and have contacted t mobile also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
in XXXX of XXXX I came into One Main financial to get a loan and was approved. The loan officers name was XXXX XXXX. I filed the appropriate paperwork and the loan XXXX asked me if I wanted the insurance that came with the loan and I told them NO. I did not need the insurance which included life insurance and medical insurance because I already had my own personal policies. The loan XXXX then showed me a different price that was lower than the initial monthly payments and told me that that was the pricing WITHOUT insurance. I said ok. Later down on the line I end up checking my account and see that the Loan XXXX still included insurance in my loan when I clearly asked her not to! And the company told me I had to come in person to take the insurance off and that the would not reimburse me for the months Ive been paying extra for insurance. Total ripoff. I do n't care how small the amount is, its the principle that matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

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 2018-05-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a new employer and I want my employer and employment information added to my XXXX, Experian and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX Annual Salary : {$350000.00}

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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing many items on my credit with the Transunion, XXXX and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.

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 2023-02-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled a copy of my credit report on XX/XX/2023, and the alleged debts are not listed on my credit reports. This company is trying to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. this has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.

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 2021-06-01
Company: EQUIFAX, INC.
State: IL
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 recently checked my Equifax credit report and I noticed XXXX XXXX XXXX is reporting on my Equifax report for the amount of XXXX XXXX  and {$890.00}. 

XXXX XXXX XXXX sent Equifax a deletion letter I demand these items be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : 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 Please remove these. I contacted FTC and local police immediately also.

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 2019-11-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. XXXX shows {$0.00}. Equifax shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXXXXXX   Shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. Equifax shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the Department of Veterans Affairs ( VA ) believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : VeteranXXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report per para 3C of 31 state agreement XXXX attached ) which states " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). '' The VA accounts were for overpayments and not consumer credit accounts.

Company response to consumer: Closed with explanation