BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: Shellpoint Partners, LLC
State: AZ
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:
NewRez mortgage provided XXXX  inaccurate information regarding my XXXX and XXXX payments which in turn dramatically dropped my credit score and rating category. The initial reason for the dispute was because NewRez provided me with the incorrect information for my XXXX payment and refused to take accountability for it..which is normal for them according to reviews on the XXXX. I feel that they are vindicating me for having the audacity to pursue my case because I feel that they never fully investigated the initial incident by pulling the call and taking accountability. Therefore, I opened a dispute with XXXX  and they misrepresented my XXXX and XXXX payments, which resulted in another credit hit after I worked hard to build back my credit after the XXXX incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: VW Credit
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:
previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
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 placed these inquiries on my report, I have no knowledge of them. 




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 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 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 XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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

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 2021-08-16
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My daughter attended XXXX XXXX XXXX back in XXXX. She obtained several loans to continue her education, however she continued to defer the payments, filed bankruptcy, I also filed bankruptcy, she continued her education and I feel that the school used her original FASA forms from XXXX when she began college to continue to file for funds for her education. She is now XXXX  and Navient ( who I believe holds the loan ) continues to call, harass me for payments. I don't feel that I should be responsible for this loan. Also the interest is 8.5 % and the original loan was {$10000.00} and because she kept deferring the interest continued with a student loan balance of {$24000.00}. Again, I don't feel I should have to re-pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX. via certified mail regarding a account they claim I owe in the amount of XXXX. I sent a letter to XXXX XXXX XXXX. stating : This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records,  and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded  with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX. and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX XXXX XXXX I received the same response as the first letter they sent 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 explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX, I made a remote deposit to my Chase personal checking account, with a check for {$2800.00} written from my account at XXXX. Chase indicated that there was a hold on the deposit. On XX/XX/XXXX, I called XXXX to get the hold lifted on their end. I then called Chase and spoke to a representative who put me on hold, called XXXX, and then told me that the hold on the deposit had been lifted and the funds would be available for me to use immediately. 

On XX/XX/XXXX, I logged in to my Chase account online and saw that, on XX/XX/XXXX, the check had been returned and a {$12.00} " deposit item returned fee '' had been assessed. I called Chase and spoke first with an agent, and then with the agent 's supervisor, who told me that the check had been returned because according to XXXX there was a hold on the check. I then called XXXX and they told me that there was no hold -- as I had been told on XX/XX/XXXX. 

Neither XXXX nor Chase will refund the {$12.00}. XXXX will not refund the fee because they are not the ones who charged it. Chase will not refund the fee, because they claim to have been acting on information provided by XXXX. That is to say, Chase claims that the check was returned on XX/XX/XXXX because XXXX indicated there was a hold on my XXXX account, even though both XXXX and Chase told me on XX/XX/XXXX that the hold had been lifted, and XXXX confirmed on XX/XX/XXXX that there was no hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME, ALTHOUGH THE FRAUDULENT ACCOUNTS WERE CLOSED AND REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES ARE STILL REPORTING ON MY CREDIT PROFILE, XXXX, XXXX, 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 2020-11-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
My credit report shows an amount due Midlands Credit in the amount of XXXX. 
I have never done business with Midlands Credit. It shows an address on XXXX XXXX in XXXX XXXX XXXX and I have never lived there. 
Please let me know what I must do to have this mis-information removed. 
Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee and interest on XX/XX/XXXX on my VISA card. after about an hour on the phone, the representative agreed to waive fees and to settle the amounts on my XXXX statement. I believe this situation shows a systematic defect in Bank of America data processing that could lead to customers being charged inappropriately. Details below are from a letter to XXXX XXXX, BofA CEO. 

" Moreover, the example below not only illustrates how poor BofA service is, it also points out a possible systematic failure in reporting that could have regulatory implications. For that reason, I am filing complaints with the Federal Reserve Consumer Complaint division and with the Consumer Financial Protection Bureau.

As one example of poor service out of many, I called BofA to inquire about a late fee and interest charges on my VISA card XXXX After about 20 minutes on hold, I finally spoke with XXXX and explained the situation. My paper statement of XX/XX/XXXX and the on-line record for the card both indicated that I had a credit balance of XXXX and contained a statement, Credit Balance, please do not pay. I am enclosing a copy of the paper statement. Despite that notation, BofA charged a late fee and interest. 

Customer Service representative XXXX looked at the account detail and correctly pointed out that there was a double payment of XXXX on XX/XX/XXXX, resulting in the credit balance on the closing date. In a previous series of calls, I first asked to have the second deposit reversed not possible. Then I asked for a refund of XXXX and received it on XX/XX/XXXX. XXXX insisted that there was a payment due on XX/XX/XXXX, even though neither the statement nor the on-line record indicated so. I was so frustrated at her inability to recognize that this charge was inappropriate that I asked to be transferred to a supervisor, and spoke to XXXX. No better. XXXX also looked at the account and agreed with XXXX that there was a payment due and that the charges were valid. I repeatedly explained that there was something wrong with the BofA system that inflicted a charge under these circumstances. She also refused to listen to this logic and continued to insist that the charges were appropriate. Frankly, neither representative seemed to comprehend the real problem. In the end, however, she did waive the late charge and the interest on the account. I will need to wait until the next billing cycle to see whether, in fact, this will happen. The account currently shows that it is overdue.

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 monetary relief
Consumer complaint received 2018-02-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I called Wal-Mart credit card company ( XXXX XXXX  ) after running over a nail with my car ( around XXXX XXXX  ). The customer service rep told me I could use the XXXX at XXXX XXXX to purchase tires and receive 12 months 0 % ... call when I purchase them and they would code it. I had options Monday night. I could have used my XXXX card and purchase tires right down the street from me. However, my father had just purchased fromXXXX  and was happy. After getting confirmation from the rep at XXXX I called XXXX and ordered my tires : they would be in by noon on Tuesday. That evening after work I went to XXXX and had all 4 tires put on ( awd you need to replace all 4 ). I called again to verify that I had just purchased the tires and needed it coded. I was told that it takes 24 hours and to call back. I said I will call Wed. The second rep told me to wait until Thurs. due to my job schedule I didnt get around to calling until Sat ( XXXX XXXX ). A third rep said she was sorry but they couldnt do it at XXXX even though it is a sister company. This is after the fact I just spent {$470.00} and have been driving on these tires 5 days! The supervisor told me this just means they have to train and coach the reps better. There is nothing they could do! I Feel mislead and trapped! If they had provided me with correct information on Monday, none of this would have happed. To add to it, the supervisor told me, I would be surprised how often this happens, that some reps are just on overdrive. I would get a letter in the mail from the financial department explaining why I can get the special finance. I cant believe what I heard! I am not the one who did anything wrong. I was just going by what they stated to me. On XX/XX/XXXX I called to speak to another supervisor. She tried to blame XXXX XXXX for selling the tires. I should talk to their manager. The manager Never was involved with the purchase, their company was the one who provided FALSE information making me use their card. Each time I called them I have asked for our conversation to be recorded. They said I could only have the recording if I subpoena them. I feel helpless and mislead. 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 non-monetary relief
Consumer complaint received 2019-01-04
Company: M&T BANK CORPORATION
State: MI
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:
This is the second complaint to this company related to this case ( refer to XXXX ). 

Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim. 

M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX   letter ( attached ), this is unethical and seems to be a method to skirt responsibility.

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 monetary relief
Consumer complaint received 2019-01-04
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
20 Yrs Mortgage. 240 payments at {$410.00} at 10.8 % Late payments, {$5.00} or 5 % after 15 days. 
Page 2 Line 6 of Contract, Simple Int. 10.5 % per annum until payed in full.

Payed all payments Plus {$5.00} Late fees. when late. 
DITECH now says we owe XXXX in Full. 
Ask for hardship Loan. denied. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called XXXX XXXX XXXX, XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent XXXX XXXX a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having XXXX XXXX remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by XXXX. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that TransUnion has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called XXXX   and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX XXXX  with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.

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 2018-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in reference to the dispute I have with way point at experian and XXXX. This is a copy of the theft report for you to have on file.

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 2018-04-19
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen around the same time this account was open. I have 2 collections in result of this.

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 2019-01-04
Company: Experian Information Solutions Inc.
State: NY
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 had a XXXX XXXX XXXX account which was closed a long time ago as per my request and the bank reported it differently. After providing documents to Experian, they still reported it the wrong way as closed by credit grantor. When I finally reported it to the CFPB Experian did change the info. However, after a while, they changed it back. When I questioned them on it and asked them to use the same letter which was last time used to rectify it. They refused to correct and started a completely new investigation although this letter was already previously used to correct the matter. 


Here you see the same complaint and their false response XXXX-XXXX Submitted to the CFPB on XX/XX/2017

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