BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per prior CFPB complaint, company has NOT rectified the situation nor have they reached out to me as was stated by call center supervisor. 

I STILL can NOT access my account on my XXXX, XXXX XXXX, XXXX laptop or XXXX. 

I was able to access on a XXXX  computer at work three times. 

I do NOT have access to XXXX  at home. 

Please contact me about how you are resolving your IT issue re XXXX products. 

I am currently on hold for 48 minutes waiting on the call center to answer. UNACCEPTABLE. 

I remain UNABLE to acces my info or make payments per the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
MY CREDIT SCORE WAS OVER 800 FOR A CONSIDERABLE TIME BUT AFTER I PAID OFF ALL DEBTS IT WAS DROPPED BELOW 800-WHY DOES THAT HAPPEN???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}

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 2021-05-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started the process for my loan modification in XXXX because I couldn't pay for a couple months due to my work shutting down when COVID started. I have been paying on time since last XXXX. Wells Fargo has lied about sending paperwork and put wrong names on my paperwork 3 times now. I have gone all the way to the executive office and they still sent me the wrong paperwork after one employee told me she read it and it was correct. They are holding up my refinance with another bank because I can not stand working with Wells Fargo any more. The employees are absolutely awful and I just need this paperwork closed so I can move on from then.

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 2018-03-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XXXX and XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX datedXX/XX/XXXXthat says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XXXX, how could I have late payments in XXXX and XXXX of that same year? 

Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: NM
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:
1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX  would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than XXXX and Equifax because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Creditors Specialty Northwest, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called my work multiple times, XXXX XXXX ( or XXXX XXXX? ) With Creditors Specialty Northwest. I work for a government agency and told them they can not call here. Last month I submitted another complaint against them, because they called my cell phone 2 times in 10 minutes, and my work during that same 15 minutes. Just now at XXXX XXXX they called my work again, and my coworker answered. They called twice and my coworker told them it is absolutely not appropriate to be calling my work place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX XXXX my credit card was used without my permission, I notified the bank in a time manner but the Bank failed to investigate appropriately my case and at the end they denied my case without providing a good reason for the denial. 
Bank ended reporting this balance to credit bureaus and late payments as well and I was not informed that I have to keep making payments for a balance resulted in purchases that I never approved. 
Transactions information : {$360.00} XXXX XXXX ( XXXX ) {$42.00} XXXX XXXX Georgia Wells Fargo applied fees and interests to those transactions in the mean time that I was waiting for them to complete the investigation. 

I been trying to resolve this situation from almost a year ago and I dont have any positive outcome, I had to pay the money with all the fees and interest applied by Wells Fargo.

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 2020-01-25
Company: LEXISNEXIS
State: NC
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:
Lexus Nexus Consumer Center stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Account status incorrect

Complaint:
The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from 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 2021-11-02
Company: Sequoia Financial Services
State: CA
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 has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2013, I made a mistake in taking out a loan with CashCall. The amount was for {$2600.00}. I informed the representative that took my call, that I did not need that amount and informed him I wanted something less. I was informed the interest rate was $ 183.06 %. I was instructed to take the full amount of {$2600.00} but informed that if I make a payment for half the amount, that interest rate would lower. My first payment was for {$1100.00}. Little did I know that the amount I was paying was only going towards the interest and not the actual loan amount, I was lied to. I continued to make monthly payments. Overall I've submitted {$4100.00} to CashCall. I filed a dispute with CashCall and they ultimately closed my account and listed a charge off on my credit report for the amount of {$1300.00}. After requesting validation from a 3rd party they sold my account to, I received a letter claiming I owed a balance of {$870.00}. The information CashCall submitted to the credit agencies is incorrect. CashCall needs to remove this charge off from my credit file since the amount was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: TN
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:
For the last three months ( XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.

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 2018-07-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
THIRD NOTICE OF DISPUTE OF FRAUDULENT CREDIT REPORTING, FRAUDULENT INQUIRIES, THIRD NOTICE OF ERRANT EXPERIAN CREDIT REPORTING, EXPERIAN FRAUD ENABLEMENT CREDIT REPORTING, AND NOTICE OF INTENT TO SUE https : XXXXXXXX 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 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.

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 2020-01-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a mailer attached a extra {$50.00} into my account in XX/XX/2019. I have yet to receive this. I completed direct deposit requirement and still has not been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021 Carrington Mortgage representatives provided information that my XXXX XXXX mortgage only qualified for a 12 month forbearance but the policy indicates that I qualify for a maximum of 18 months. I verified this information by contacting XXXX XXXX. Carrington XXXX  has consistently provided me with incorrect information regarding COVID forbearance and modification leading me to make uniformed decisions like starting repayment prior to being able to. They are misleading many of their customers into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: CA
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:
I have a credit card with CB/SONYVISA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/SONYVISA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/SONYVISA with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over 15 years ago I got a phone from my sister it hardly worked I called and told XXXX XXXX XXXX too turn it off. I was told the phone was not in my name and XXXX XXXX XXXX refused to turn it off even though I stopped using the phone they Kept charging.I haven't had contact with no collection agency.So I don't know why this is still on my report after so many years.The only way I know about this is because it's on my XXXX XXXX.No one contacted me about this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with OCWEN for the past ten years. I have had multiple problems with them as they constantly lie and destroy documents. They placed lender insurance once on me charging me XXXX XXXX of dollars in unnecessary additional insurance. I was able to solve the problem once a class action was started against them. Two months ago they suddenly reported me to the credit reporting agency saying that I had missed two payments. I disputed it stating that I was current. They stated that when my loan was transferred from OCWEN to PHH the loan was two months short and that when they audited my account in XX/XX/2019after they acquired the loan. First of all my loan was never transferred to anybody, as OCWEN bought PHH and just changed their name. They are the same company and they have all the records. They sent me a written report which shows that I paid every month, but they claim that regardless of their own report I needed to produce receipts of XXXX and XX/XX/2019 ( 12 months later ) to prove I paid in those months. It looks like they have made a mistake and they refuse to acknowledge such mistake. Since their processing is done abroad in countries where acknowledging a mistake is considered a sin, I believe that somebody has made a mistake and they can not admit they are wrong. 4 years ago an OCWEN insurance processing center in XXXX refused to acknowledge that I had an escrow account with Ocwen, when all the documents proved that I had. It took me then three months to straighten the mess by involving a US based loan manager which launched an internal investigation from the US headquarters into the XXXX office. US borrowers are paying a hefty price for Ocwen 's outsourcing their record keeping to countries where there is no understanding of basic accounting and where they are unable to read documents in XXXX due to their poor knowledge of the language. 
I was able to locate the XXXX receipt from my bank statements, but I can not locate my XXXX receipt because my husband changed its bank and did not keep the paper statement as they were all online. That notwithstanding, their own statement shows that a payment was entered in XXXX and credited it accordingly. This matter came about only in the Fall after my loan was " transferred '' to PHH.

OCWEN has a pattern of falsifying documents in order to defraud customers.They are now using the " transfer '' excuse to claim missing payments when there are none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
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:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Global Lending Services LLC
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, GLOBAL LENDING SERVI add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation