BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: Colony Brands, Inc.
State: MI
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:
I have been paying XXXX XXXX and XXXX XXXX online catalog companies which are the /same company just 2 different divisions. I contacted XXXX XXXX spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX XXXX DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX XXXX THEMSELVES. I THEN CALLED XXXX XXXX CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX XXXX AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2020. Thank you to CFPB and NewRez for your help today. Briefly -- The NewRez website is UN-secure and is NOT functioning at all. Specifically, there is absolutely no place to login. The page is entirely BLANK. I removed ALL cookie and pop-up blocks, and still have not been able to log onto the website. This has been going on since at least XXXX XX/XX/2020, if not longer. With the website down, I can not view anything in my account until NewRez repairs its website. Since NewRez is responsible to pay my taxes and insurance from ESCROW, I need to be able to view this information. Further NewRez is obviously aware of the problem since I am most likely not the only customer affected. This level of dereliction is not acceptable for a banking or mortgage institution. Please resolve this problem, so that I and other customers can gain access to our accounts. Thank You, Sincerely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX company is falsely reporting a late payment to Experian. I tried to remedy the issue with the company on multiple issues, to no avail. In short, the payment did not process on the due date, so I called to remedy the issue, and thought everything was solved, until I received a notification for a late payment. This was for a payment due in XX/XX/2020. Had I not been able to make the payment, I would have called prior to the due date and asked for assistance as provided by the CARES Act, due to COVID-19. 

There are discrepancies ( as I have included proof of in the attached file ) with XX/XX/XXXX electronic record keeping system, and it causes me to question the record keeping practices of the company as a whole, and the validity of the information furnished to the credit bureaus overall. On XX/XX/2020 XXXX attempted to process 3 payments at the amount of {$190.00}, in the total of {$580.00}. This amount was {$190.00} more than authorized to come out and {$190.00} more than actually owed at the time. This is also not the date or the amount I discussed over the phone with a representative. I discussed a one-time payment of around or about {$390.00}. The only record XXXX seems to have of the {$390.00}, is in the notes, and not annotated on the financial records. Despite someone trying to correct this issue on XXXX behalf, before I caught it, the payments still processed through our account. This is also reflected on the XXXX website transaction history where it shows 3 payment reversals effective on XX/XX/2020 ( Im sure due to an employee/the system recognizing the error before we did ), as well as a fourth payment attempt on XX/XX/2020. The records for the fourth payment attempt also falsely read that the payment was not received until XX/XX/2020, despite our bank records ( see attached ) showing otherwise ( that payment was received on XX/XX/2020 ). We also incurred almost {$60.00} in returned item fees, due to a discrepancy on XXXX behalf of attempting to take {$580.00} out of our account at once. In addition to this, I was under the assumption that we were a month ahead on payments from the initial start. This is an account that I have with my ex-husband, so we only put what's needed in there for the timeshare payment, and nothing more. 

Please see the attached PDF for a more detailed explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: MT
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 recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from 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 2019-08-07
Company: Credit Plus Inc
State: NJ
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:
These Credit Inquiries Are Unauthorized And Need To Be Removed From My Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my final request to remove account which never belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please remove account as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A request from XXXX XXXX was submitted to NFCU to transfer rollover XXXX monies to XXXX XXXX. NFCU sent the check to the wrong address and put the wrong name on the check. They have not made any attempt to get the monies back and they are just waiting for something to happen. I am out {$12000.00} and have no idea when I can get NFCU to complete the requested transfer to my account at XXXX XXXX to buy a XXXX annuity Can you get them to act on their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28
Company: CL Holdings LLC
State: MD
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:
Upon looking over my credit report I noticed an account I do not recognize from Jefferson Capital LLC. I asked for verification of this account via certified mail on XX/XX/2020. I never received a response and this company continues to report an inaccurate account on my credit report. They are not following Metro2 reporting compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Collection Agency '' - Crown Asset Management LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX. has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX.
Crown Asset Management claims to be Representing the best interest 's of the Creditor - XXXX XXXX ( XXXX ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to Crown Asset Management LLC., which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with Crown Asset Management LLC. I am under " No '' Legal obligation to any collection agencies, and my written contract was with XXXX XXXX ( XXXX ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, 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 information incorrect

Complaint:
This is my 15th complaint against XXXX. XXXX got paid for my student loan on XX/XX/2020. Still XXXX is NOT reporting the XX/XX/2020 payment and correct balance information to XXXX, Equifax and XXXX, as of this date of this complaint. I have talked over XXXX students and the essence is this XXXX 's patented pattern of fraud related to " Chronic Payment Misplacement ''. There are lawsuits by CFPB and attorney generals ( AGs ) of many states for XXXX " Chronic Payment Misplacement ''. I have sued XXXX  XXXX, Equifax and XXXX  in the Federal Court in the Central District of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Case No. XXXX on XX/XX/2020 and STILL XXXX, XXXX, Equifax and XXXX  are engaged in same old thing. 

Cc. California Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to pay a utility bill in a home that I never lived in. Was XXXX XXXX XXXX stationed in Hawaii. Sent proof of my residency. I was told if I paid it they would remove it off my credit report. Penn credit corporation XX/XX/2020 XXXX. Paid in full and not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
bank of America California Edd card. Claim number XXXX. I have Called BofA many time only put on hold for hours. They lied to me they told me EDD toke back {$1500.00} from me not them. When I ask how I can contact Bank of America lawyers. They told me to XXXX it. Bank of american is frauding the People of california. In XXXX they took {$1200.00} from me they never deposit it on my Unemployment card. I ask about it they said we dont have Records that far back. So I wrote 5 state senators. In XX/XX/XXXX. Not one contact me back. So all this happen around XX/XX/XXXX. I went to the BofA and {$2000.00} was gone. I called and some how {$2000.00} was gone when they have a {$1000.00} a day limit on my card. How? Can that happen they turn off my card on me for trying to get {$100.00}. I am being harassed by bank of America. So I get a letter your funds are now permanent {$1500.00} they put the {$2000.00} back on my card. Thank BofA. Three months later they take it back. Say I am suspicious activity. And the claim is closed. I live in a Federal park. XXXX when the money was take by BofA. this is no longer a state issue. I will contact the Federal Reserve if need. I should have called the US Park Rangers. But Bofa said they would try and fix it that was in XXXX. My cell XXXX and my Name XXXX XXXX XXXX XXXX XXXX ca XXXX thank and have a nice day.

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 2020-10-28
Company: EQUIFAX, 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:
Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to XXXX  due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the XXXX XXXX you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, XXXX, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the XXXX XXXX  you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Both my wife and I have attempted numerous times to temporarily lift a credit freeze with Experian.  Our attempts include both the online process at XXXX AND 4 different phone numbers (XXXX-XXXX-XXXX, XXXX-XXXX-XXXX, XXXX-XXXX-XXXX & XXXX-XXXX-XXXX).  I do not know how I got to talk to a real live person, XXXX, but he helped me with temporarily lifting my credit freeze using the PIN provided to me by Experian at the time the freeze was put in place.  He provided me the XXXX-XXXX-XXXX number, but my wife has not been able to talk to a real live person.  Experian needs to have an option to talk to a real person as the phone options either end in a infinite loop, it hangs up, or it informs me to submit a long list of documents to mail.  The online process results in sending the long list of documents.  My wife's PIN did work at a credit union when we applied to be members on XX/XX/XXXX.  We put a credit freeze at all 3 companies in XX/XX/XXXX. We received PINs from all three.  XXXX  and XXXX online process worked perfectly.As I am filing this complaint, my wife tried one last time to temporarily lift her credit freeze online.  It worked!!!! I don't know why it did NOT work in the past. Maybe because of the credit pull the credit union did resulted in Experian's system to recognize the PIN.No person should have to go through this much effort to either freeze or lift a freeze.  ALL credit score companies should be required by law to provide an option to talk to a real person.  It is a invaluable to people to freeze their credit in order to reduce the chance of identity theft.  It is also invaluable to people to lift the freeze when needed without undue burden.

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 2020-11-20
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made an application with a loan broker. They obviously submitted my name and information to many lenders. I went with one lender. Loan Depot tried reaching out to me after I had already completed my application with the other lender. They began calling me for days on end ( 2 weeks? ) and calling me at least 3 times a day -- maybe more ( 5? ). I figured after 2 weeks of calls with no answer, they would get the message. They did not. 

I finally picked up the phone and asked them to take me off their list and that they have been calling me way too much. They said, " Well, we are Loan Depot ; one of the largest brokers in the country. This seems to work for us. '' That is a completely unacceptable response. We succeed because we harass people until they pick up the phone irritated and demand that the endless calls stop? I asked to file a formal complaint and, after putting me on a brief hold, they said that their complaint team " was busy ''. This is harassing and is unacceptable behavior for a lender. 

The company was called Loan Depot and the phone # they called me at was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation