BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is XXXX XXXX which the debt was in the amount of {$10000.00} on a car loan. XXXX has reported my debt as a charge off and i never recieve a 1099-c form. After XXXX put my debt as a charge off They sent my debt to NCB management and they are illegally coming after me for a debt that been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
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:
At this point, I am sending this complaint as proof that I once again tried to rectify this ongoing issue with Experian and XXXX. They request a 100-word statement and evidence to support my complaints. I have submitted proof in black and white several times. They have deliberately ignored it and treating my disputes as frivolous. They are not doing their due diligence to rectify the issue. I have pulled my reports once again. Experian and XXXX are reporting inaccurate and incomplete information. The account XXXX XXXX XXXX XXXX # XXXX is reporting 2 different ways by Experian and XXXX. This is a direct violation of my rights as a consumer under the FCRA. How do you ignore the documents that I upload? The Bankruptcy reporting on Experian and XXXX is inaccurate and incomplete. There are no accounts listed. XXXX has deleted the inaccurate and incomplete information. I submitted proof of the deletion and it was ignored. Experian and XXXX have no financial information about the bankruptcy. How is it verified when I have shown the deletion from XXXX and pointed out the incomplete and inaccurate information that's reporting? It's affecting my ability to gain credit, refinance my home. I am now being represented by The Deliberty Law Firm, a credit lawyer XXXX XXXX XXXX to assist me moving forward. I have submitted all copies of complaints on this site as well as the credit bureaus. I now have a list of representatives when I called into the credit bureaus. I am now going to be seeking monetary relief. This ordeal has been very stressful and overwhelming. I am gon na attach proof once again. I am gon na now follow up with a supervisor at CFPB. I don't understand how the credit bureaus are allowed to submit automated statements and close a complaint without resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Affirm Holdings, Inc
State: MD
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 this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not QRPC according to XXXX XXXX servicing guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sold multiple items on eBay and ebay uses PayPal for sales transaction. XXXX has already made some funds from the sales eligible for withdrawal. However, PayPal asked held up all of the funds from the sales and is refusing to release any of them despite my calling their customer service. I have uploaded my government ID ( driver 's license ) and the receipts for the goods I purchased to put on sale on XXXX as they requested on XX/XX/2021. Per my conversation with their online agents which I have copies of stated that their team will get back to me in 3-5 business days once the documents/information has been provided. Today marks the 4th business day and I call the customer service manager who told me they will not review the matter until this coming Thursday on XX/XX/2021, which is past the 3-5 business day mark. And the worst part is that the customer service manager told me that on XX/XX/2021, they will then make determination whether to withhold the funds for an even longer period of time. They are withholding about {$7500.00}, which is not an insignificant amount, for no clear reasons. 

All of the sales I have made on eBay are legitimate and verified by eBay. But PayPal is withholding my sales funds from verified sales. I read through their policy for withholding funds here ( https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full? locale.x=en_US # restricted-activities ) and I did not violate any of the published guidelines. This act of withholding without clear reason/violation is malicious and needs to be investigated/intervened. 

For example, PayPal 's own electronic system with attached transaction IDs and payment total stated that the funds would be available to me. But in fact, when I log into PayPal to try to make use of the funds, it is not available to me. I can provide more examples of this if need be. Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: SC
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 A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-01-28
Company: Esusu, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX I paid {$100.00} for an ongoing credit reporting service from Esusu Financial , Inc . They claimed that they would provide the credit bureaus with monthly rent payment information. This purchase included a historical rent payment report for the past 24 months. 

On XX/XX/XXXX, I paid {$80.00} for the same service for my spouse ( historical rent payment report for previous 24 months and ongoing monthly rent payments ). 

As of XX/XX/XXXX this has not been completed as promised. Monthly rent payments have not been reported for several months and there is a complete and total absence of any information - including the historical 24 months of rent payment- on any of my spouse 's credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
On XX/XX/21, I was informed by the North Carolina Division of Employment Security that someone fraudulently tried to claim unemployment insurance benefits by using my name, date of birth, SSN, home address, and place of current employment. ( My employer alerted me to the fraud, and instructed me to contact NC Division of Employment Security. ) Thus, my identity was apparently stolen.

To check my credit reports ( as Identitytheft.gov recommends ), I used XXXX. I succeeded in obtaining credit reports from XXXX and XXXX, but I could not obtain my credit report from Equifax -- because of apparent problems in verifying my identity. Oddly, for identity verification Equifax asked questions about loans and accounts that were not mine ( and to which I replied " none of the above '' ). 

Does this problem with obtaining my Equifax credit report signify that someone is already using my identity fraudulently in financial transactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: MORTGAGE 1 INCORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Early to med XX/XX/XXXX I reached out to XXXX XXXX at Mortgage 1 to inquire about a re-fi on my existing mortgage with a cash out option for the purchase of a second home. We went over options and I explained my situation and that I had been with XXXX XXXX since I purchased my home through XXXX and Mortgage 1 in XXXX of XXXX and the mortgage got sold to XXXX XXXX. I told him I loved XXXX XXXX and was only interested in doing a re-fi if I could stay with them. He assured me that would not be a problem. I did not re-fi directly with XXXX XXXX because due to covid, they are not doing the cash out re-fi options at that time. So I proceed to re-fi with Mortgage 1 and XXXX and his staff. I regularly made it known that I wanted to stay with XXXX XXXX and each time be it text, email or phone call, I was assured that would not be a problem. At closing, I brought it up to the lady I signed with once again to see who I write my first payment to in XXXX as closing was XX/XX/XXXX. She said to call the office in 10 days to see if it is Mortgage 1 or not and we left. On XX/XX/XXXX, I received an email from XXXX 's office stating my mortgage was bought out by Mortgage 1 and all my online information was enclosed to access my account. I was furious. XXXX had lied to me over and over just to get my business, and I am not sure how much money his office made off my re-fi but he did not give me what he promised me over and over. I am so diasppointed and If it wasn't so much for closing, I would re-fi with XXXX XXXX now just to get away from Mortgage 1. I feel XXXX lied to me and made promises to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023 i applied for a line or credit with NETCREDIT and was denied my right to credit because of information inside my consumer report. information contained inside my consumer report is not a determining factor of credit and is a violation of the Equal Credit Opportunity Act. Not only was I denied my right to credit but NETCREDIT also used my credit card ( ssn ) and I received no benefit from the use of my credit card. NETCREDIT is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act by denying me my right to credit. This has hindered me from providing basic necessities for my and my family. Denying me my right to credit has also hindered my unalienable rights to life liberty and the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The problem actually started XX/XX/ when I notified the bank ( Bank of America ) that my account was hacked into for two sums of monies ; one for {$4000.00} and the other for {$2000.00}. Since that time I have had numerous fraudulent charges against not only my checking account, my bank debit card, but two other charge cards. I have submitted so many claims to the Digital Fraud Department, the Online Fraud Department and now the Risk Closure Department has frozen all my bank accounts. This is now in the second month of being a " credit '' only acount with NO access to any of my funds. I have direct deposit for both income deposits and most of my monthly bills are setup on bank draft/or autopay actions by the bank. Now, with the accounts frozen, all my bills ' my mortgage, auto insurance, life insurance, two loans among others that are behind due to the bank not honoring my bank draft payments also causing financial distress and unnecessary fees being charged. I can not even buy groceries, my medicine or dog food. The bank keeps changing the reason for the freeze and possible closure. I was shown one check that was deposited into my account and then charged back because of suspicious activity. I have never heard of the person or organization the check was from. The Fraud department has mentioned other checks that were deposited and then withdrawn but has not shown any type of proof about the deposits. I was told that depending on the outcome of the investigations into my accounts, I may never by allowed to have another checking or savings accounts at a bank again. These insinuations and insults have been going on for two months or more. I can not even login to my bank accounts to keep an eye on them. While I was able to get into my accounts, I did some research and found out some info that the bank seems not interested in. Can you help me please? 

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 monetary relief
Consumer complaint received 2019-09-26
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have tried to transfer my American Express Membership Rewards to airlines for several times, but the system keeps showing an error message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' This is the THIRD time through this year AMEX freezing my Membership Rewards account without any reason and the customer support from AMEX did not help at all. This is really frustrating that I can't redeem my reward points when I really need to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony is doing everything in their power to ruin my score/ increase debt ratio. I have been paying every month. This is the 3rd time they have reduced my limit and/or closed accounts. I dont deserve this. I was in the high XXXX and now am in the mid XXXX thanks to this. 

It all began when they added a service without my knowledge called payment security to my account back in XX/XX/2022 which charged me hundreds in service fees to my account on a service that was meant to help with debts during a financial hardship. I called and asked it to be removed but they persuaded me to keep it and file a dispute because I had been going thru a financial hardship at the time. I filed proof of hardship, medical documents and after 3 months was denied assistance. Payment security is an absolute scam that took advantage of their cardholders in a globally challenging time. After all of this I requested the service be stopped and the account be closed which I have continued to make payments on to this day. After closing this account they reported it as a derogatory closure on my account and it dropped my fico between XXXX points from that closure alone. My credit was destroyed that day and went from good to poor credit. I wish this was the last of it but they continued to further ruin me. 

After this they closed car care credit card and lowered my care credit limit to the balance owed which now appears on the bureus as a maxed out credit card and a higher debt ratio from these unjustified and unethical closures. They specifically targeted me after the paypal closure and reporting them to the bureus, FTC, XXXX for this service of theirs. And now sent me letters that they've closed cards and lowered limits due to my credit score and debt ratio which they are to blame for creating this image. 


I would like my score as well and limits restored if not I will be disputing this matter in court. And due to the challenges, suffering and defamation this matter has brought I would also like them to pay for damages as well as be penalized for it. 

Its is absolutely disgusting a bank would retaliate and target someone like this, intentionally ruin their credit and lives. I depend on my score at this time to secure housing which this experience is not only upsetting but greatly damaging, its the reason I am presently without a home at this time because no one will approve me with such a score no matter how much I try to explain it wasn't my doing. 

XXXX XXXX XXXX Synchrony Synchrony Payment Security XXXX XXXX XXXX XXXXXXXX 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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called the Bank of America on XXXX about my missing credit card ending in XXXX. I also disputed a charge. But on XXXX XXXXXX/XX/2023 the agent did not dispute the card card charge. Also, the information was not passed on to the Manager like requested. 
This bank refuse to response or phone calls. I was told that my phone number had been spoofied and that is the reason the calls are not being completed. 
My safe deposit box has been entered without my permission or a court ordered. XXXX refuses to fix the problem and fail to document the problem. 
The Bank in XXXX Texas has many issures that has not been address. 
My husband just told me all the items that is located in my safe deposit box and his name is not on the box. But he had posession of the key. 
This bank needs to be shut down due to theift

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 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXX and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 

I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and 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