BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of complaint XXXX. Please see attached information showing proof of payment history. Mortgage company is claiming a payment has been missed. There has been not effective information provided by Mortgage company and the date of their claimed missed payment has changed multiple times. Would appreciate if CFPB can get Mortgage company to close their claim based on attached supporting information. Until this is closed, there claims can only be seen as harassment. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX Bank Of America {$1500.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} 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 2022-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX 's sent me an email in acknowledging they have received my billing error dispute for the amount of XXXX. XXXX 's is indicating that I have a past due amount when the amount in question is in dispute. From my knowledge, when an account is in dispute they are not to report my account late for any reason. The creditor shall not take any adverse action against the obligor for disputing his or her account. The online account is showing that account in question is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My Wife and are receiving constant calls from Direct Recovery Services. These are recorded messages stating they are collecting a debit. The message gives no other information. I am told my account number with Direct Recovery Services is XXXX. I have XXXX and the company and logged on to their site. The account number they give references a XXXX XXXX account I do not have. I do not have a balance with XXXX XXXX. My credit report does not show any outstanding balance with XXXX XXXX. I do not have an account with XXXX XXXX that matches the account number they provide at their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2023-08-14
Company: MoneyLion Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a credit builder plus loan to help improve my credit and after about 6 payments I tried to pay the loan off but they wouldn't allow me to do this. The reason that I was given over the phone ( I have this call on a recorded line ) was that because I was late with my credit plus membership fee that they could not accept my payment either through the online app or the payment over there the phone even after I told him that the membership fee had been waived by them and not even at my request. The next month I wanted just to make enough of a cash payment on the account that would allow me to use my credit reserve to XXXX  balance and payoff the loan but they said I had to make a full monthly payment and that they would then send me the remainder of the credit reserve in 2 days to my checking account. I received a message that they were releasing my credit reserve on XX/XX/XXXX and that it would be available to me by the XXXX ( 3 days longer than what I was told ). It is now XX/XX/XXXX and they still have not sent me the overpayment which is held in credit reserve on the loan which was paid of on XX/XX/XXXX. Every day I am told that this has been turned over to their dedicated team and that it would be completed in 3-5 days. Today when I called to see if the dedicated team was done yet and was told that this was the first they ever heard of the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am actually strongly disappointed in my service with Home Point. I have been with them guys for almost 3 years and i have made all my payments on time and for some reason a payment was rejected and was put into 30 days late and it is now on time however that 30 day late will not be removed and it has caused a XXXX point hit to my credit which has affected my eligibility to qualify for a refinance with them here in the future. After speaking to multiple associates and submitting multiple disputes to try and get the 30 day late rescinded since we did submit a payment on time that was rejected i will definitely make sure to never use Home Point again and to make sure none of my friends or family never use Home Point as well because this has been a huge damper on my credit and my financial status. I have a wedding approaching in XX/XX/2021  and this has affected the ability to refinance this mortgage, and purchase a new home both which i wanted to do through Home Point however since this issue has happened I will never make that mistake of choosing Home Point again. This is my last effort to plead to have that 30 day late rescinded since we did make a payment that wouldve been on time but was rejected. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Ditech Financial LLC
State: NJ
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:
The debt is over 10 years old and un collectible in the State of NJ statue of limitations is 6 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2023-05-15
Company: Experian Information Solutions Inc.
State: LA
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:
To whom it may concern. 

I have inaccurate reporting on my credit reports, I asked credit bureau to verify invalid information. This a have disputed several time with XXXX and Experian. Please delete hard inquires, collection of billing errors past due collection amount. Charge offs. There was was data breach my information was share with unknown companies. The credit bureau is not following Fair Act Credit Reporting There several violations under code. 
15 U.S. code 1681b 15 Us code 16181 c-1 15 us code 1681 c2 15 us code 1666 Account ; 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 2023-05-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number: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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXX ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CORELOGIC INC
State: NC
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:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2019-03-09
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare has not answered after being contacted in three emails. They have incorrectly calculated my Escrow balance and paid my positive balance incorrectly to the MPI insurer. All payments to MPI are set forever and never change. I had some shortfalls this year due to a few hundred dollar increase with insurance and XXXX more in property taxes. I understand that these were being paid back though escrow but when they were all paid off, Loancare decided they wanted to keep taking money from my POSITIVE escorw so they could calculate a FALSE shortfall for the next year. They took 800+ dollars from my escrow and gave it to my MPI provider. They never change they rate which is XXXX. Loancare gave them XXXX in one payment and drove my escrow negative. Then, they did their escrow review and came up with a false shortfall and increased my monthly payment by over 300 dollars. Total Incompetence..On top of all of that, they absolutely refuse to fix or answer any calls or emails to rectify the situation. 

I am so fed up with them that I am closing on a refinance in 10 days and they know this becuase the new { great company } has asked for the payoff. Now they wont answer me at all becuase they do not want to refund any of my positive escrow. They are making a last ditches play for anything they can get their hands on. 

I am filing a formal complaint with the cfpb because you guys are all the public has to make these behemoths listen to the little guy like me. I have attached the error so please have someone review this incorrect Escrow statement and make them play by the rules. I have never missed a payment and always played by the rules but they dont care. This company has slammed me with PMI, funky escrow practices, and zero customer service for the last time. My new loan company gave me a better rate, no MPI, and a TRUE appraisal so the good guys are out there. Its not Loancare.

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 2020-10-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Went to chase atm to make a deposit, the atm malfunction and kept the money. Got a receipt stating to contact the number immediately. Went inside the bank and spoke with the tell who initiated to have a company come out and check the machine which was done in 4hrs. File my complaint with the appropriate department and was told that it's an ongoing issue and will not be able to deposit my cash until the investigation is completed and it's not a grantee that I will receive it. Spoke with cooperate who didnt seems to care much about my complaints or the fact that I have Bill 's to pay and will be charge late fees, spoiled my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-09
Company: Convergent Resources, 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:
XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} 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 2020-02-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a TD cash card. The offer I signed up for was spend {$500.00} get {$200.00} back. I have not received the bonus despite meeting the spend requirement. I have reached out to TD bank and they said they are not able to service my request and did not explain why I have not received the bonus.

Company response to consumer: Closed with explanation