BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In a divorce decree the court order states that XXXX XXXX XXXX was awarded the home. He should EITHER refinance or assume the loan in his name only. XXXX XXXX and XXXX XXXX divorced XX/XX/2016. Since then XXXX XXXX changed name back to maiden name XXXX XXXX. I, XXXX XXXX have petitioned the mortgage companies several times throughout the years and it has been a dead end at every attempt. My name is no longer on the deed and yet I can not get my name off of the mortgage. Mr XXXX can not refinance because his credit score does not meet the minimal requirement and yet I a held hostage to a mortgage that I am no longer the owner and my name is not on the deed. Essentially, I am being held hostage to a home that I no longer own. When I present the divorce decree to the mortgage companies it is ignored. They just tell me to refinance which he can not. I can not move on with my life in the purchase of my own home because it affects my credit scores when Mr XXXX is late on a payment, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have no knowledge of where this originated. 
I have never applied for any pay day loans. 
Just discovered this derogatory report while looking at my credit report on XX/XX/22. 
My credit score has subsequently dropped XXXX points for something I never initiated. 
The company listed as the collection company is Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX. 
XXXX {$230.00} Reported on XX/XX/22 to credit bureaus. 
I have never received any documentation from this company in order to confirm or deny anything. 
In a word the account is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: ERC
State: UT
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:
ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX Original creditor {$840.00} Open balance ok for one, I have never had a credit limit of that much ever, also I had a XXXX  XXXX account, why would I have two, I think this is fraud or a scam, but it's not me, I closed my XXXX XXXX account with a XXXX limit in good standing. This is wrong and it is dermaticly impacting my score. So I would be greatful if you could help me remove it. It's not mine and I have never had a credit limit that high ... ever!!! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Im am currently recovering from an unexpected financial hardships and I cant afford the payments on this payday loan. I am also working with a credit repair company to improve my credit report, including terminating this payday loan with SpeedyCash in the amount of {$2100.00} due to the aforementioned and furthermore the age of this account, being opened on XX/XX/2018. In addition this account shows to meet the FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In late XX/XX/XXXX/early XX/XX/XXXX I applied for a Kohl 's charge card, I got approved for a {$300.00} dollar credit line. I used it the same day online, and paid it off shortly after. When I paid it off I had noticed that I

actually had never recieved my card in the mail. I called to inquire about the card, and to make the payment. The guy told me that it takes 4-6 weeks for the card to get there, and that it should be in my mail in a few days. 2 weeks later it is still not here. I called to find out and the lady woudl not stop telling me that they can not access my account right now, I had to tell her to stop talking as she was talkign over me repeating the same script time and time again. I told her that I need to close my account, a nd she told me that they were inable to do that. This credit card has been awful! I got dinged on my credit report when I opened it, I have yet to receive it, and now I am goign to get dinged for closing it. I want this credit card wiped from my credit history, as it is clear that even though I have made good faith online buys, and paid my bill in full and on time, this company does not want to do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American First Finance have not sent me the necessary information I need to validate the alleged debt. There is a closed account with American First Finance reporting as {$720.00} delinquent which is inaccurate. The debt was charged off and still reporting actively every month on my consumer report. With the account being charged off. I have submitted a 4506-T form to the IRS to get clarification of who received the 1099 form for that account being discharged. The {$720.00} was deemed as uncollectible by American First Finance. There was a write off received by the company. Which make it extremely deceptive for them to try to collect on a debt that is not owed. They have also violated my privacy by furnishing information the consumer did not get to dispute or opt out. They are continuously furnishing information to coerce me into debt that is already paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I keep receiving a text message to call First Citizens Bank at XXXX because my debit card is closed. I dont have an account with First Citizens. Its spam and they wont stop texting my business number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CITIBANK, N.A.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citimortgage changed our loan where we were no longer able to make our payment through automatic withdrawal. They also discontinued our ability to sign into our account on line. I was passed around to different customer service individuals over the last two months. They promised they would send me a form that would allow them to make a automatic withdrawal, but I did not receive them. They said they would be unable to email them, but they could fax or mail it. Today ( XXXX-18 ), I spoke with a customer service rep in XXXX. He said it would be up to 72 hours before a supervisor could get back to me. Also, he will send me an encrypted email with the auto withdrawal form, but that could take up to 7 days. He will also attempt to mail it again. 

Our last two payments have been past due as a result of Citimortgages changes and their inability to resolve a problem they created.

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 2018-10-23
Company: BARCLAYS BANK DELAWARE
State: MA
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:
XXXX XXXX has lowered my credit amount based on information obtained through XXXX. 

Barclay/Mastercard has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CCS Financial Services, Inc.
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: Reporting company used your report improperly

Complaint:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of  XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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:
I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX   Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.

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 2020-10-18
Company: EQUIFAX, 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:
I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX  Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: I.C. System, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I don't remember applying or using these guys at all.

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 2023-01-29
Company: Experian Information Solutions Inc.
State: TX
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:
When I reached out to XXXX, experian and XXXX about XXXXXXXX XXXX saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXXXXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.

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 2023-01-19
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it XXXX concern : i am writing to you because you are reporting inquiries on my report that i do not recall. Please see items listed below. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX please forward me any documentation providing proof i applied for credit with this creditor. if you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had an approved Forbearance from XX/XX/XXXX to XX/XX/XXXX. 
I was promised that when my Hardship ended my current lender would take the balance owed from my approved forbearance and I would start paying my Mortgage with whatever the new payment would be for 30 years at my current rate of 3.875 %. 
I followed all the steps that I was supposed to from my lender and now I'm ready to start paying my Mortgage and they refused to follow their own agreement. 

All I want is to start paying my Mortgage someone please help me take my home back. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: GA
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 Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given my written instructions to furnish this account so please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 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  US DEPARTMENT OF EDU 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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
have ftc report filed report # XXXXXXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXX 's XXXX  ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX   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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
After reviewing my transition credible file I was able to identify multiple inquires that I did not recognize which is a result of fraud. I have contacted transition multiple times in regards to this and they have done nothing for a solution. I also had provided a identity theft report. This has caused damage to my credit and my reputation.

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