BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Myself and my girlfriend live in XXXX  and we closed on our home purchase on XX/XX/2020 and our loan was through XXXX XXXX. Almost immediately after closing XXXX XXXX  sold our mortgage to loan care in XXXX. XXXX XXXX  did not have all of the details of our loan ( mortgage payment ) complete before selling it to loan care. Prior to closing we were required to have flood insurance however we went through the XXXX process and obtain a letter of map amendment from XXXX stating we did not need flood insurance. XXXX XXXX  obviously never transferred that information to loan care however I did. Loan care received the letter stating we were not required to have flood insurance in XX/XX/2020. We made our first mortgage payment to XXXX XXXX  because the loan had not yet been fully transferred to loan care. That payment was for {$590.00}. Our 2nd payment went to loan care for {$590.00} on XX/XX/XXXX. The payment amount of {$590.00} is " with '' the flood insurance that we are not required to have and that insurance has been cancelled for some time. I have contacted loan care " several times '' explaining this and they have confirmed to me verbally and with a letter they sent to me dated XX/XX/2020 that they are aware that we do not need flood insurance however our mortgage payment is due today XXXX and loan care has still not removed the flood insurance portion of our mortgage payment. We will be forced to make our 3rd mortgage payment in the amount of {$590.00} when it should be less minus the unnecessary flood insurance. We could be using that extra money we are paying for flood insurance that we don't need and that has already been cancelled for our other bills. I do " NOT '' want your office to have loan care call me because as I stated I have discussed this with them several times and gotten nowhere. If I could resolve this issue myself with loan care I wouldn't need to file this complaint.

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 2023-01-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2017-12-20
Company: Navient Solutions, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX and XXXX are still negatively reporting 4 student loans from Navient on my reports whereas XXXX has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I requested and received from Shellpoint Mortgage Servicing COVID-related forbearance for the months of XX/XX/XXXX-XX/XX/2020. I resumed full payments on XXXX XXXX and have timely paid every month since. Shellpoint indicated that my loan forbearance would convert to a loan deferment. That is, that the missed payments would be deferred until the end of the loan. This is in keeping with deferment for qualifying mortgages under the CARES act. Instead, at the end of the forbearance period, Shellpoint reported to the credit bureaus that I was 60 days late on payments. I contacted Shellpoint about this issue inXX/XX/2020, after receiving an alert from my credit monitoring service. Shellpoint has already received all relevant documents via separate correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attached identity theft report, I have continuously disputed this fraudulent account with all XXXX credit bureaus and they have ignored my verified claim without first hand knowledge to the facts. They are unlawfully and illegally reporting inaccurate information on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: U.S. BANCORP
State: NV
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:
My Fidelity Rewards Credit Card account was closed by the card issuer Elan Financial Services on XX/XX/XXXX. As shown in my account statement on XX/XX/26, I have made {$60000.00} in purchases before the account was closed. Per card member agreement, I am supposed to receive 2 base points per dollar spend. I have also signed up for the 50 % bonus points via an email that was sent to me on XX/XX/XXXX. Therefore, I should have received 3 points per dollar spent ( 2 base points + 1 bonus point ). I even charged all my property taxes to the credit card and paying over 2 % fees to the county on the assumption that I would receive 3 % back from the card. 

For the XX/XX/26 statement, I should have received XXXX {$60000.00} = XXXX reward points. 
However, the statement is showing that I received XXXX points. I messaged Elan Financial Services already but they refused to credit the rewards. Elan Financial Services claimed that " Once you or we close an Account for any reason, all accumulated Points are forfeited. '' Since the account was closed without my consent and was closed after those purchases were made, it was completely unfair to consumers. Elan Financial Services closing customer credit card accounts just after they earn a lot of rewards and then refuse to credit the rewards seems suspicious to say the least. I have attached both my Fidelity XXXX statement and the promotional points email to this complaint.

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 2020-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is reporting the incorrect monthly obligation as well as reporting that Ive been more than 120 days past due on the account. 

I set up a payment arrangement, even though I dont believe this account should be on my credit report and Im currently disputing this account with all three credit bureaus. The reason I set up the arrangement was to prevent anymore inaccuracies hitting my credit reports. 

Ive never spoke with or had any communication with Portfolio Recovery written or verbally before 2020. When I reached out Portfolio Recovery to figure out why my monthly obligation is reflecting as {$6800.00} I was advised by XXXX XXXX that they dont have to put the payment arrangement amount of {$110.00} on my credit report they only have to put the balance which is {$6800.00}. I asked why did they report me as 120 days past due I was advised by XXXX XXXX that they dont show that Ive been late and are unaware as to why the credit bureaus reflect the account as past due. 

This can not be legal for Portfolio Recovery to report whatever they would like to report to the credit bureaus, even if its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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 belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: MIDFIRST BANK
State: VA
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 spoke with customer service manager at Midland Mortgage regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by Midland. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account needs to be removed/deleted it was removed and deleted on all other credit bureas this needs to be investigated and removed if there is no response of updated from the company who filedthe collection not the collection agency.

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 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 spoke with customer service manager at XXXX XXXX regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by XXXX. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.

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 2019-02-28
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I contacted XXXX XXXX XXXX through their website XXXX ( which no longer exists. ) I verified that I would like to adopt two of their XXXX XXXX kittens ( 1 male and 1 female. ) We went over the details of pricing and agreed to {$930.00} to be sent over paypal, as the owner lives in Virginia. This price included shipping the animals on flight where I could pick them up at the airport immediately. On XX/XX/2019 I signed the contract for the kittens that was sent via email and the money was transferred to a XXXX. The owner stated she would need a few hours to get certified copies of their vaccinations and etc. We did not hear from her until the following morning after reaching out for an update. On XX/XX/2019 the owner, XXXX XXXX, stated that she would be shipping them and they would be coming in that night. On XX/XX/2019 the cats were never shipped but XXXX received the money. Myself and my husband reached out about a re-fund but XXXX has not been receptive and her website for adoption has been taken down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I've purchased a {$500.00} worth Vanilla XXXX gift card. Which stolen someone & used online. My card number is listed below. 

XXXX XX/XX/30 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: LendUp Loans LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I, XXXX XXXX, applied for a Pre-approved Credit Card and was approved for a Credit Card via XXXX  for {$1000.00} Credit Line on XX/XX/XXXX. I received a credit card onXX/XX/XXXXand proceeded to activate my credit card via phone for purchases. The automated credit card services at XXXX ( XXXX ) indicated that my Credit Card Balance of {$1000.00} is available for purchase. I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX.

I called XXXX   at XXXX to inquire about the status of receipt of my required identification documents and the customer service representative verified receipt of my Drivers License and XXXX XXXX XXXX  Utility Bill and indicated that for some reason Card Services could not receive the emailed uploaded copy of my Social Security Card which was very concerning since Card Services received the Drivers License and XXXX XXXX XXXX Utility Bill from the identical email address : ( Support ) XXXX.

I spoke with a Card Services Representative about their indication that my copy of my Social Security Card was not be received mysteriously and I re-emailed it at least 4 times ( between the dates XX/XX/XXXX and XX/XX/XXXX ) and 3 times while the Customer Service Representative was on the phone line around XXXX XXXX CST on XX/XX/XXXX. No plausible reason was provided as to why my Social Security Card was not received which is sensitive personal indentification information.

On XX/XX/XXXX, the Customer Service Representative did not provide an alternate email address for me to upload and email my Social Security Card in order for my Credit Line to be made available. I was simply told that my Credit Card will not be activated until XXXX  receives a copy of my Social Security Card. I am extremely concerned that my personal identification information has been obtained for Fraudulent Reasons and never was intended to provide me a Credit Card Line of Credit. I requested to escalate my concerns to a Supervisor and was denied an opportunity to complain to a Supervisor or Member of Management for review.

I had no other choice but to file a complaint with CFPB on XX/XX/XXXX to protect my personal identification information to avoid potential fraudulent activity with personal identification information submitted for XXXX Credit Card approval and usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to my mortgage company on XX/XX/XXXX in regards to a missed payment that happened in XXXX of XXXX. I purchased the home in XXXX of XXXX, several months before my wife became terribly XXXX My wife was diagnosed with severe XXXX XXXXXXXX and was XXXX for several months during late XXXX to early XXXX. The doctors had to perform XXXX XXXX just to keep her in a stable condition, this was a serious life or death matter for her. Later when I experienced the XXXX of my wife, I became her sole care provider and became disorganized with respect to making timely payments on Loan No : XXXX. Before my wife 's XXXX, my record was spotless in on-time payments, and since I missed a payment, I have worked diligently to rehabilitate my relationship with the mortgage company and have not missed a payment since then. I have advised the mortgage company of this and have even sent goodwill letters in hopes of forgiveness for this missed payment due to my wife 's XXXX. I have even asked if I could supply documentation that would assist in reaching a positive outcome, I asked if I could furnish my wifes XXXX records, diagnosis paperwork, and aftercare procedures if it was needed.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: TX
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:
UNAUTHORIZED/ MISUSED CREDIT REPORTING 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

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 2019-06-09
Company: AMERICAN HONDA FINANCE CORP
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: Old information reappears or never goes away

Complaint:
I try to dispute Account from America Honda Finance because the account was on my report for 7 +years. I disputed this account with all 3 credit bureau and XXXX is the only one that deleted the item. XXXX and XXXX still remain on my credit report. The amount is {$9000.00}. I have been fighting this for 5 months now. Can you please reinvestigate. I would highly appreciate it. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: GVA Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX is a loan company that says I took out a loan in about XXXX. They said now it is in default and out for collection. Since XXXX I've NEVER ONCE heard of t his debt. I asked them for a copy of my signature to verify it is mine but they don't respond. On XX/XX/XXXX I asked them for my address on the loan to verify I lived there. They said they couldn't give me that for " Security Reasons. '' They did give me access to my account data to verify it is mine and when I entered their key, it came back as " invalid. '' In another email on the XXXX it came back " Blocked. '' I looked at their website and it has a big warning from XXXX XXXX XXXX XXXX On XX/XX/XXXX I wrote the Office of the Attorney General in Montana. On XX/XX/XXXX I received a call from the Office of the Attorney General. They view this as a scam and told me not to send any info or money. I haven't. They then gave me your number to report them. The company is called Target cash Now. Their address is XXXX XXXX XXXX, XXXX, Montana. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, XXXX, and Experian for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.

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