BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had logged into my mortgage loan on XX/XX/2022. Once I had logged in my account said inactive, no loan found. I called Shellpoint on XX/XX/2022 the lady answered, I told her I could not find my loan information. She said XXXX XXXX we received your wire transfer in the amount of {$47000.00} on XX/XX/XXXX and it being processed. The lady congratulated me on having my mortgage paid off. She explained the next steps, said if I were due a refund, I will receive it within 2 weeks. I received an email from Shellpoint on XX/XX/2022 congratulating me on having paid my mortgage off. I had not received anything in the mail, I called Shellpoint on XX/XX/XXXX on the status and if I were due a refund. The lady said I do see that your mortgage has been paid in full. Shellpoint will send the title information to my local county treasures office. I will get a copy will have to file with my local county 's office also. I logged into my account XX/XX/2022 I saw the payoff was processed on XX/XX/2022. I called Shellpoint due to the fact wire transfer was more than my initial payoff shown on my online account. This lady said she was sorry my loan was paid off due to an error on their end. Someone from Shellpoint had entered the wrong loan number I still had a balance. I asked about what I had seen online, the email I received stating my loan was paid in full. She put a supervisor on the phone who said the same thing, she was sorry someone from Shellpoint had entered my loan number for the wire transfer that had paid my mortgage in full. I asked about my online statement and the email I had received. She said the emails are automated generated when loans are paid in full. My loan is currently not paid in full it was a huge error on Shellpoints end she was sorry. I told her with all the proof from online and the email my mortgage should be paid in full due to their error, not mine. None had even called me to say anything about what had transpired.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.

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 2023-03-09
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I been a Synchrony bank/ Amazon store card customer since XX/XX/XXXX. Ever since the account was opened, the conditions of the account have been followed and every payment has been made on the timely bases. In any case, as of XXXX of XXXX I been unable to use the account despite the account having an available credit of {$5000.00}. I have updated and recheck the card information several times and everything appears to be in order. However, synchrony bank/ Amazon has continued to decline my orders and as with many of their credit cards issued by them.Synchrony bank/Amazon has engaged in what I consider to be a questionable practice, one which I consider to be in violation of my civil rights and any law that appeals to fair credit practices. I have filed complaint before and the issue doesn't appear to be going away in fact it appears to be getting worse. I have included account snap shot with the order information and dates. Also note that the last intended use of such account was XX/XX/XXXX and for reasons unknown to me continues to be denied up till this date.

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 2019-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
This is in regards to my Capital One Auto finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and Capital One to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, Capital One, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from Capital One to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.

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 2021-09-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacting all 3 credit bureaus reporting agencies trying to get validation and proof of this medical collection debt. I have started this process verifying this debt since the summer of XXXX, XX/XX/XXXX ( I have been submitting letters of method debt validation, requesting proof etc. every 90 days to allow them time to no avail ) as I maintain health insurance with my employer and shocked I received this on my credit profile. Every communication from the 3 credit bureaus have only mentioned verified and never provided the source or their method of verification ( which is unacceptable ) I have constantly disputed this with the agencies as they have not provided substantial details of method of verification. 
I then decided to contact the collection agency to possibly get some clarity and validation. I sent a letter priority mail XX/XX/XXXX to ARS requesting proof of this medical debt. I requested to get proof of signature that I stated it was okay to release my information to collect medical debt and proof that I authorize this.

I work for an employer where health insurance is provided and maintain. ARS sends me a letter saying I know they represent physicians NO I do not know this and I need proof from the medical facility and doctors that I agreed to this. 
This is in violation and I would like this removed from all 3 credit bureaus reporting agencies.

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 2022-01-05
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

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 has violated my rights. Or list of inquiries 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/XXXX, I've been trying to fix different inaccuracies reporting on my credit report, I have reached out to the following companies. XXXX, XXXX, & XXXX. I have lived at the address on my drivers license for over 2 years and I have sent in documents to the 3 bureaus to update my address and delete all previous addresses, along with my jobs, unauthorized inquiries also showing them proof and asking for reinvestigations. That I have not received to this day XX/XX/XXXX. I've disputed inaccurate information reporting on the following accounts and requested the reinvestigation and the 3 bureaus haven't sent me the information for unauthorized Inquiries. 
XXXX XXXX XX/XX/XXXX TransUnion DIVIDEND XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The following accounts for late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - Child Support These unauthorized and Inaccurate information are hindering me from acquiring credit and loans. It's costing me XXXX, bad health, pain and suffering. I'm having a hard time supporting my family, to the point the my wife has left me and seeking a divorce.

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 2020-03-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had subsidized and unsubsidized loans with Navient from XXXX to XXXX. When I signed on in XX/XX/XXXX it said the student loans had been paid in full. I never received any correspondence from the company again. I thought it could be part of the lawsuit where loans were being excused. Fast forward to approx XXXX my loans are now almost {$18000.00}, and were bought out by another company. So that is almost {$5000.00} more, and I was also considered in default. I do not believe this is fair! I can hardly afford the payments as is! They should not have been allowed to do this and not notify me! I work hard, and still can not afford the payments.Why should I have to pay all this extra interest and fees?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2020-03-01
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : Flagstar Bank , FSB. XXXX, MI Date : XX/XX/XXXX Action : - Requested a pay-off statement, to pay down the rest of my mortgage balance. 
- Received a pay-off statement on XX/XX/XXXX, valid through next day XX/XX/XXXX, which stated the amount I need to pay Flagstar Bank , FSB to payoff my mortgage. 
- Made an over the phone payment of full amount, from my bank a/c, on XX/XX/XXXX. 
- Specialist on the phone said no further action on my part is necessary. 
- My mortgage has been paid down in full. 
- Monthly auto-payments from my bank would be stopped, Further Actions, 2 months later in XX/XX/XXXX : - Received 3 calls, from collections, saying that I did not make monthly payments on my mortgage in XXXX. 
- When I tried to explain, that I can't have an outstanding balance on a fully paid down mortgage, the agent on phone said they don't want to hear about it. They need me to make a payment. 
- Received a letter, by mail, that if don't make monthly payment by end of XXXX, my a/c would be in default and subject to reporting to credit rating agencies. 
- I called customer service 3 times & explained the situation. 
- They said they can print a new pay-off. But the statment contained interest payments on outstanding balance and fees which I have already paid.

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 2023-08-07
Company: Conn's, 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: Account status incorrect

Complaint:
On XX/XX/2023, I XXXX XXXX spoke with Conns customer service representative and XXXX XXXX was the manager on duty at the time. That help assist me with doing a settlement. I paid the settlement amount in full on XX/XX/2023. And I was told it would be removed from my credit report. As of today, XX/XX/2023 I have been checking my credit reports daily, and the information has not been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2021-02-26
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX someone has fraudulently opened and acct under my name with Barclays Bank Delaware. 

I have reported this info to Barclays Bank, they have completed their investigation and assured me that this account will be closed and removed from all credit reporting agencies. 

I have also received a later from Barclays Bank dated on XX/XX/XXXX stating such : " Dear XXXX, This letter confirms that the fraud investigation has been completed on the above referenced Frontier Airlines account. After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud related information from your credit report. '' - End of first paragraph. 

As of today, XX/XX/XXXX this account is till on my account and I been on hold with Barclay Bank for over an hour after which the lady that picked up the phone hanged up on me. 

I'm very disappointed and would like your help in making a report in being a victim of fraud. 

I kindly thank you all in advance for all the help, 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 2020-03-01
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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