BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Shellpoint Partners, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in regards to Shellpoint Mortgage Servicing and their attempt to charge us for insurance on a property address where we do not and have never lived at. They have our XXXX XXXX XXXX  information for our current address and location of our mobile home. We have never lived at the address that Shellpoint has provided. After several attempts, Shellpoint refuses to change our physical address. Thank you for looking into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Navient Solutions, LLC.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: FIRST PORTFOLIO SERVICING INC
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$300.00} to pay off the balance. They have not applied that payment yet and will not show my available credit correctly. I tried to contact them about this issue and was told I can fax in proof that it had cleared my bank. I then asked if I could email it as I don't have a way to fax it cause who uses fax any more. They said yes but they can't grantee that they will be able to get it of apply it from the email. I just want my account updated correctly so I don't get charged the XXXX XXXX interest rate. I pay this off as soon as I can to keep from paying this huge interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Since Im 100 % permanently XXXX and on heavy XXXX, my memory is not up to par however about XXXX XXXX years ago, I received a signed by XXXX XXXX XXXX judge judgement t in favor of LVNV in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every XXXX months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit XXXX that my funds are protected but they took my XXXX XXXX XXXX daughters money from her high school checking account. She works XXXX hours most days and had {$110.00} dollars. I called LVNV a d they said this was an old XXXX XXXX credit card for {$500.00} but they now are representing XXXX XXXX and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX XXXX XXXX money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on XXXX and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that LVNV are getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XX/XX/17 I have been trying to get EQUIFAX to correct my credit report to no avail, all my credit info is missing, see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Account information incorrect

Complaint:
XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX for XXXXredit Reporting Violations in Connection with Its Auto Loans as evidence of violation.

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 2020-03-02
Company: Experian Information Solutions Inc.
State: GA
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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. I have contacted the FTC and the police.

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 2020-03-02
Company: EQUIFAX, 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'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/23 went out with friends. The total was {$52.00} + {$8.00} tip. Total= {$60.00} penned as such for 4 days. On XX/XX/23 got an overdraft fee alert several at once. Looked at my account and {$600.00} was charged. So I contacted fraud/ claims department at my bank Truist. Made a claim was told to contact that business to send me receipt. The manager emailed it to me asap and apologized and said to have my bank reverse the difference which would be {$540.00} I called back to my bank fraud department and was given website that doesn't accept external emails. Called back was given a bogus website again. This was just a simple case of the decimal point in the wrong spot. After failed attempts to submit my receipt I left work early and went to the bank in person. An agent there submitted my receipt as I was told by claims department I only had 48 hours to do so. I also asked for all my overdraft fees to be waived from this misfortune. I was assured by them this would be resolved. In the meantime they closed the case saying I authorized that amount when I provided receipts and emails from establishment as asked. The bank kept my entire direct deposit for overdraft fees even though I was assured this would be handled. I returned to the bank yesterday and filed another claim on this continuing problem. Claims department even gave bank management wrong email to resubmit my claim and proof. She had to make several calls herself. I then went back to establishment to talk to manager as advised and she refunded the difference. Went back to bank and was told to not deposit it to hold it due to claim. Please 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 explanation
Consumer complaint received 2020-03-02
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: Information belongs to someone else

Complaint:
These are not my accounts

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 2020-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I used the Chase online Bill Pay service to pay my XXXX XXXX XXXX XXXX XXXX bill as I do every month. The payment amount of {$210.00} was deducted from my account on that day. Here is a copy of the line item in my online account : XX/XX/2020 Online Payment XXXX To XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bill payment {$210.00} On XX/XX/2020 I received email from XXXXXXXX XXXX XXXX  stating my XXXX payment was still unpaid. When I contacted XXXX  their first question was WHO IS YOUR BANK? When I said it was CHASE, they said that they have had a problem getting payments from CHASE since XXXX and that Chase has been aware of the problem but had NOT notified any customers about it. XXXX  gave me the phone number XXXX Option 2, which they said Chase gave them specifically for this issue. I called that number and the first person I spoke with, XXXX, said I needed to call a different number, and than she gave me the exact same number. When I said that was the number I just called, she said NO it was not! She actually told me I did not know what number i called. However, after hanging up I rechecked the number and it was the same! Next she said i would need to talk to a supervisor and put me on hold for almost 10 minutes, then connected me to XXXX, who told me they had made the payment. I asked her if she was saying that XXXX was wrong when they said that MANY payments from CHASE had been mis-routed. She denied that was what she was saying and then went on with some type of double speak about how they did, but did not make my payment. I was never able to get a answer to when XXXX would show my payment was made or if Chase was going to do anything about the problem. So uncaring and unhelpful. BEWARE! Please make Chase obey the laws and properly manage their customers money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had utilized an offer to pay {$0.00} fees and interest when opening my first installment plan on my Chase Freedom Unlimited card through a My Chase Plan. I had opened the installment plan on XX/XX/XXXX and the offer was advertised as valid for any plans opened by XX/XX/XXXX, which was confirmed by a Chase representative at the time. However, Chase has added fees to this plan regardless and Chase reps are now claiming that the offer was not valid and confirmation that it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled this debt a long time ago, and the agent I spoke to assured me the account would be deleted from my credit report. When I got my mortgage pulled in XXXX I discovered the account still reporting. I sent Penn Credit a letter asking them to remove the account as promised. That letter was returned to me. I do not understand, I found their information on my credit report. I believe they have to report 100 % factual data to the credit bureaus. They have misrepresented the truth, updated their account on my credit, which caused my credit score to get damaged, when they promised to DELETE the account, and have reported incorrect or unverified information to the credit bureaus! 

Their address, reported to XXXX   as recently as XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2023-09-04
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was lost at a convenient store someone ended up turning it in. So I stopped by and grabbed it on my way home went to sleep woke up to my account being drained. When i seen thin i checked my wallet and my debt card along with my pin was stolen. I immediately called Chime started a dispute. Since then i keep getting the run around by them laughed at ans mocked daily. I have sent them everything they have asked for and then some. They will denie it but reopen it again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding is reporting on my credit report that they own a debt from XXXX Bank XXXX in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.

15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place LVNV Funding in further violations. I reserve all my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
It all started when I received a notification on XX/XX/2023 because my profile information on my XXXX account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted XXXX about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my XXXX account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with Equifax on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX I believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called Equifax on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Round point mortgage servicing corporation filed false Annual tax interest statement year 2016 escrow reconciliation principal balance Homebase HUD corporate responsibility to Post property and Casualty survey that XXXX XXXX XXXX errors of Louisiana Department Of insurance missing NAIC lost insurance policies on XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mailing Transcripts and transfer mailing address XXXX XXXX XXXX XXXX , Louisiana XXXX covering Office of motor vehicle inspection Re : Installment Agreement White collar crimes Special investigations commissioners Louisiana police State bureau and Industry access Update members profiles XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX XXXX address XXXX  XXXX XXXX XXXX , Louisiana XXXXburden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor , Office of the Chief Information Officer, Attention : Departmental, La-Hire CareerOneStop Heavy Civil Clearance Housing Feedback Career one stop Annual Update Backrounds Of XXXX XXXX XXXX and wife XXXX XXXX XXXX both are eligible to The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to twelve workweeks of leave in a 12-month period for : FTC bureaus See and check ALL 3 reports with credit scores.Annual quarterly, daily weekly data systems updates Re : Installment Agreement Louisiana state licensing and Homebuyers Home choice Builders registrations Sunrise Louisiana new Housing developments Louisiana leevee Boards state regulators Help NAIC and federal grand juries Resolution resolve now for XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mail transfer XXXX XXXX XXXX XXXX , Louisiana XXXX Calling all independent sales organizations, brokers, and agents! XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX   Structured Settlement/Annuity Payments Official Lump Sum of Cash Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
my insurance company paid for my rental while my car was being worked on. I provided my credit card for incidentals only, as described and agreed with XXXX. The insurance company issued full payment of $ XXXX to XXXX and the car was returned without damage and adequate fuel. Weeks later, XXXX charged me thte full rental amount. I confirmed XXXX had already funded this rental, and XXXX cashed their check. XXXX refused to provide a refund, and Discover has declined my dispute request, even with adequate documentation from XXXX showing they already issued payment to XXXX. I feel unheard, and thrown about in this situation, with Discover not honoring their -zero-liability claim. I did not authorize this transaction from XXXX, and Discover is asking to " prove '' I did not, which is impossible. Please help me.

Company response to consumer: Closed with explanation