BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we had a major flood at our home. It required us to be moved into temporary housing until we could have renovations done. Our insurance company completed their estimate and issued a check to us and the mortgage company. We signed the check and sent the check to our mortgage company for endorsement. They sat on the check for 10days before moving forward. they then issued {$6600.00} from a {$26000.00} check. This amount was to get the contractor to 25 % completion which was a joke, because the funds were based upon a {$44000.00} completed job and 25 % complete was not {$6600.00}. They have since wasted 4 weeks and have not released any more funds so we can get back into our home, I have paid for overnight services for the check to be sent. Our contractor has called, our insurance company has called and let them know its holding up progression. They have yet to release anymore funds as requested. They are now playing with the funds saying it takes 7-10 days to get a check printed. Meanwhile we are being charged more from contractor because the price of materials have went sky high. The company that is holding the money is XXXX XXXX, located in Michigan. There are several similar complaints about this company at the XXXX  for doing the exact same practices and causing major issues to homeowners.

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 2021-06-07
Company: Atlanticus Services Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Afternoon, I had an account go in a XX/XX/XXXX past due status from Fortiva credit due to the COVID-19 Pandemic in XXXX of XXXX. In XXXX of XXXX I was back on my feet and trying to get all of my financial affairs in order. I reached out to Fortiva on XX/XX/XXXX to pay my full balance and in return they would remove all of the late payments during this timeframe. They agreed and I paid the total balance in full of {$1000.00} and some change. I have been diligently working on my credit for the last 4 years and I knew with this I would help be able to purchase my dream home for my in the future. Fast foward to XX/XX/XXXX, I applied for a mortgage and my lender advised me because of the late payments that Fortiva promised to remove, I will not be able to purchase my dream home. I immediately called Fortiva and asked why this wasnt removed as stated back in XXXX of XXXX. They stated that I wouldnt have qualified under COVID guidelines. HOW??? We have technically been impacted by COVID since XXXX of XXXX. These credit card companies lie and prey upon the lower middle class to steal their money and all they can say is tough. I am a veteran and trying to become a 1st time home owner. Please have Fortiva correct this information as they stated they would and stop lying to their customers to just take payments from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a medical debt that was sold to another company that is one a Hipaa violation, second the debt was never verified as being mine, and if this was mine XXXX should have been billed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX ; XXXX  and Transunion are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX  ; XXXX and Transunion because I have tried to fix this issue with them, but they are still reporting the late payments.

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 2021-06-07
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification of a SSN trace and a subsequent email from a XXXX XXXX from TrueAccord/XXXX XXXX XXXX regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore TrueAccordXXXX XXXX XXXX by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}

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 2020-05-01
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by this company in XXXX about a debt that I didn't realize was still outstanding. I asked them to send me a statement which they did. I had made two monthly payments, one of {$20.00} and one of {$25.00} to them.The total bill at this point is {$100.00}. I forgot to send the payment in XXXX so on XX/XX/XXXX at XXXX we received a call about the payment. My husband let them know that I would be sending a payment online.I told them I would be making another {$20.00} payment and my husband was told they would not accept any payment under $ XXXX.The customer service rep continually hounded my husband to set up automatic payments. When he told them that we weren't interested in doing that customer service rep said that they would be reporting to credit bureau and it would affect our credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Their investigation did not fix an error on your report

Complaint:
Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

Transunion and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have called twice and sent back every piece of mail with my ex husbands name on it. He has never lived at my address and even though capital one states he has been removed Im still receiving credit offers in his name at my new address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
After finishing grad school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. Navient reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was missed. and

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a notification from XXXX XXXX XXXX XXXX that there's an update on my credit. When reviewing it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX was showing ( 4 ) Property Tax bills this was handled in Equitable Distribution Order through the courts in XXXX XXXX. I have not received any documents or notice of this in the mail. I called the number listed XXXX listed on the credit file and a recording gave me another number to call XXXX. They show Account type : Collection Dept. Agency Attorney A lady answered the phone and I questioned her about these bills on my credit she verified my SS # Name and date of birth the last name she had was XXXX my ex-married name. She stated she sent notice to my address listed above I have not received anything or phone calls. She refuse to give me any information about these account she stated there were a problems with the bills and they need to be adjusted to call back next week. She kept trying to rush me off the phone as I was trying to find out what was this for. It appears when XXXX XXXX system got hacked a lot of peoples property tax information got stolen. I contact the deeds office in XXXX XXXX and they stated they have not sent me anything about taxes. 

I did dispute this with XXXX as fraud waiting on the results. These people need to be identified us XXXX XXXX as the original debtor to scam people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

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: Action Financial Services, LLC
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I keep getting phone calls from Action Financial Services. They never leave messages so I have no idea who they are. Now they are calling me at work and demanding my personal information even though they have not told me what it is about. Threating they will take my wages. I asked them to send me something in writing about what I owe because I have not had anything from them and the lady said, '' Well that is why you are talking to someone they will tell you what you owe. '' I said that doesn't seem right as anyone can call and say you owe money and that I want actual documentation because I thought my loans were all through XXXX so I have no idea who they people even are. She said, '' Well I'm not here to argue with you, so when can you be called and speak to someone about the debt. '' I again asked for actual documentation but finally hung-up when she would not help me and would not get off the phone even though I indicated I was at work. This was today XX/XX/19 and I am being told they will take % 15 of my wages but I am not getting any actual documentation or proof.

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 2021-06-07
Company: TRUIST FINANCIAL CORPORATION
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:
Regarding SunTrust Account 's. Disclosing personal information to create multiple accounts reported to the XXXXXXXX Credit bureau and currently i am fighting this assignment fraud. XXXX Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : CSMC 2019 RPL3 TRUST V. SHIRLEY BAKER, ET AL Div : 31 - XXXX XXXX. Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXXXXXX case ( XXXX ) XX/XX/XXXX : 2020 XXXX  cici : XXXX XXXX XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX fl XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I opened a simple checkings and savings account with TD Bank and received funds for a sba loans that were deposited into the account and the next day withdrawan and I was left with the overdraft fee for the amount that I never applied for nor received. I spoke with the branch manager to which I was told the account was closed and I was issued another account and the same thing kept happening over and over to no avail of relief. The same thing was done with a XXXX XXXX bank account checking that I initially opened but my account was hacked with fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Google Compare Credit Cards Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My foster son moved out and back with his biological mom. while he lived with us he had a debit card which I would put allowance on bi weekly I guess he took his debit card with him when he moved out. His bank account had no money in it which he knew. He made a purchase on his phone his mom got him, through XXXX apps and it was a XXXX purchase for 1 year subscription for XXXX XXXX XXXX to win real money. This purchase was done XX/XX/XXXX he left my house XX/XX/XXXX. I contacted XXXX and spoke with a very nice representative that opened an investigation ticket I told him I already spoke with my bank and over draft charges will accrue XX/XX/XXXX. he said he would rush it and XXXX investigation team would email me and let me know what will be done. I received no correspondence at all. I decided to check my bank account at about XXXX XXXX XX/XX/XXXX where now there is overdraft charges. I contacted XXXX and the lady was extremely rude and said they are not refunding my XXXX or any overdraft investigation is over and she would not tell me what the outcome was. I requested for her to submit complaint on my behalf which she kept refusing to do. I was told my account would be refunded, and he XXXX account would be shut down. I am not understand why this is not being refunded he is XXXX years old, and it is my bank account.

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 2018-02-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has refused to Delete addresses that I have never lived at

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 2020-01-12
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:
See attached documents. These accounts have not been validated pursuant to us code title 15 1692g According to us code title 15 1692e a payment is minerals, oils, natural gas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A voluntary surrender of my vehicle was completed with Capital One Auto Finance. After the vehicle was sold by Capital One AF, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, XXXX XXXX XXXX. See attached. 

Capital One Auto Finance did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from XXXX stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to Capital One AF as they did not send anything in writing. I was not given the opportunity to settle the debt with Capital One Auto Finance before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.

Company response to consumer: Closed with explanation