BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company : NewRez Unreasonable time waiting for refinance to close. My original mortgage is with the same company so it appears they are slowing down the process on purpose so they don't lose money on the refinance. It has been a total of 4 months since this process began. The communication between me and the Company Mortgage consultant has been absolutely atrocious with little to no responses from anyone at the company. 



XX/XX/XXXX I spoke with XXXX XXXX at NewRez about refinancing my original loan I have with them. I agree to the refi and XXXX sends me list of required documents. 
XX/XX/XXXX I sent all required documents to XXXX XX/XX/XXXX XXXX says they need more documents. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX Haven't received any updates. XXXX XXXX where we are at in process. No response XX/XX/XXXX Send another email asking for update. No response XX/XX/XXXX Send email to XXXX boss XXXX XXXX sayings XXXX is not responding, and can I get a response from her. No response XX/XX/XXXX XXXX replys that he's waiting on underwriting and will follow up with them now. He never follows up. 
XX/XX/XXXX Email XXXX again asking for some sort of eta XX/XX/XXXX XXXX responds " looking into it putting in a ticket with upper management '' XX/XX/XXXX I email XXXX asking for an update on the ticket. No response XX/XX/XXXX XXXX emails me saying they need more documentation. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX New person XXXX XXXX assigned to my loan. asks for even more additional documents. Some documentation I've already sent in as well. 
XX/XX/XXXX I send additional documentation. 
XX/XX/XXXX I ask for confirmation of receipt of documents to XXXX. No response. 
XX/XX/XXXX I ask again for confirmation of receipt XX/XX/XXXX XXXX confirms receipt XX/XX/XXXX I ask XXXX an ETA for closing the refi, she responds that I will need to contact a XXXX XXXX about that. 
XX/XX/XXXX I email XXXX about ETA, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.

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 2020-01-14
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am contacting you on behalf of my daughter who is XXXX. She opened an XXXX credit card through Barclays to purchase initially an XXXX  tablet for XXXX  XX/XX/XXXX. She was signed up for zero interest to pay off in 12 months. On XX/XX/XXXX she went to XXXX store to purchase XXXX. She put it on credit card to get " points '' and was to pay off when it showed up on her statement. She called Barclays and they stated payment would not go towards phone! Having now almost a {$1000.00} bill is VERY overwhelming and daunting for a XXXX XXXX   only working part-time! She was upset so we both called Barclays on XX/XX/XXXX and spoke with manager XXXX.I stated we were told we could pay off phone. XXXX indicated " no ''. I stated this was " bait & switch '' and I would be submitting a complaint.My daughter did make a payment for the phone including tax however it did not remove charges for the phone on her statement as they put it on zero interest for 6 months. I strongly believe this is how people get into trouble with credit cards! My daughter now has un-necessary stress as a result! Had she known this, she would have brought in cash. Someone should have stated that she would not be able to pay off following month.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I respectfully urge Equifax and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : XXXX XXXX XXXX Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXX Closed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my Equifax and XXXX  credit reports it shows a bankruptcy from 2016. The reference number is incorrect ( incomplete, missing numbers ) and the name of the court is incorrect. All third party sites to verify this information have been frozen and the court in question does not provide information to third parties such as credit bureaus. I have tried to dispute twice now and neither Equifax, nor XXXX  will not delete or correct the information. They have also not provided to me where they are verifying this information, as all reports are frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has removed all data from my credit file, and has not replaced it. Potential lender/s state that there is no file available from Equifax. The third party entities that pull Equifax for my report, are not showing any information. Equifax has not responded to any requests to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO. 
PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE. 
IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with XXXX of my mortgage, that it is now listed as XXXX negative entries instead of XXXX. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not XXXX negative entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Resurgent Capital Services L.P.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Information belongs to someone else

Complaint:
I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
U.S. Collections West has attempted to say I owe them {$1900.00} after receiving a letter dated XX/XX/2020. I received a prior letter dated XX/XX/2020 stating I owed {$1300.00}. I have attempted again multiple times to contact any representative from this company with no response. I have recieved a signed copy of " satisfaction of judgment '' from XXXX County Justice Court dated XX/XX/2020. This information was sent via email to the company with which no response was received. This company 's multiple attempts to say money is owed when it is not is clearly a violation of the law and shows the clear fraudulent behavior this company and its owner XXXX XXXX are willing to participate in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Fraudulent wire transfer initiated by unauthorized access at my Chase Checking Account for the amount of {$7600.00} USD in multiple wire transfers on XX/XX/2023. Sending wire transfers from my account at JP Morgan Chase NA to a XXXX XXXX in XXXX, XXXX. Unauthorized access by obtaining access to the bank checking account and initiating the illegal international wire transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over the lasy year I have emailed & called XXXX Mortgage multiple times in regards to my payment history reflecting on my credit report that is severily incorrect. I need immedate assistance in getting this resolved ASAP and my credit report being corrected. I have attached documents for proof of payments etc. My payments have not been 30 days late on the dates listed below, I have attached each email conformation ( as I make my payments online ) reflecting the date the payments were made. And they refuse to respond to me or the credit reporting agency 's I have also disputed these through. 

See dates below that I have documentation for : XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX If you look at other creditors on my credit report their are NO late payments only XXXX, that's a reflection on them and their processing of payments. All my payments were made before hitting 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX BLACKMAILED ME TO BUY EXPENSIVE BUT WORTHLESS EQUIFAX CREDIT MONITORING BY EQUIFAX DELIBERATELY LEAKING MY DATA. EQUIFAX RETALIATES BY FALSELY CLAIMING I HAVE BEEN THE VICTIM OF FRAUD ALERT. I HAVE NEVER BEEN THE VICTIM OF A FRAUD. EQUIFAX CAN NOT PROVE I LIE. BUT EQUIFAX PERSISTS IN UNJUSTLY GIVING ME A FRAUD ALERT. I WANT ALL FRAUD ALERTS REMOVED BECAUSE THEY ARE FALSE AND INJURE MY CREDIT UNFAIRLY. I WANT TO GET BACK ON PROMOTIONS LIST. I WANT XXXX XXXX FREEZE NOT LEGISLATIVE SECURITY FREEZE. EQUIFAX DELIBERATELY FALSIFIES MY ADDRESS TO XXXX XXXX XXXX WHEN IT SHOULD BE XXXX XXXX XXXX XXXX IN ORDER FOR EQUIFAX TO EVADE GIVING ME VALID NYS SECURITY FREEZE. EQUIFAX DOES NOT ANSWER AND HARMS CONSUMERS AND ME. I AM A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Daily limit was changed without my knowledge. I later changed it online within the past few months

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