BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a home loan with NewRez and I refinanced my home loan with XXXX XXXX. Loan closed on XX/XX/XXXX and NewRez was overpaid by {$2200.00}. 
When I contacted NewRez, the company told me that they will send me the money back. 
When asked the fastest way to receive the money, they told me that it was via my bank. 
They told me that I would receive the money without 24 to 48 hours. 
On XX/XX/XXXX, I called back NewRez because I didnt received the money yet. The company told me that the money was deposited in my account on XX/XX/XXXX. 
I called my bank and they told me to contact back the morgage company. 
Since XX/XX/XXXX, I contacted NewRez multiple times and each times they promised me that the money would be in my account in the next 24 to 48 hours. 
We are XX/XX/XXXX and I still dont have the money. 
When I asked the company to overnight me a check, they told me that it was not possible. 
I need that money to pay my new morgage company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, these accounts been on my credit report for 1-2 months now. The only response Ive gotten back was that they were verified. I want to know who verified them. Because by law after 30 days with no real response the accounts are suppose to be remove.

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 2020-01-20
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to apply for a mortgage my sister 's credit card debt keeps being reported from all 3 credit bureaus. Every year I send in my birth certificate and ID and still, her credit card debt keeps being reported on my report. Her name is XXXX XXXX XXXX my name is XXXX XXXX XXXX, I am not sure why they keep getting us confused. When I call the credit card companies they state that the accounts are under my sister 's name but the credit bureaus keep reporting the incorrect debt. The credit cards listed on my credit report that are not mine are the following : XXXX XXXX  : account = : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On checking my XXXX XXXX, XXXX statement, found a purchase charge of XXXX unauthorized by me. Checked other previous statements and also found the same charge going back to XXXX XXXX. Wrote letter to company, XXXX XXXX on XXXX/XXXX/XXXX. 
As there was no answer to my letter, wrote again on XXXX/XXXX/XXXX. 
There was XXXX change, though, in my XXXX statement : no XXXX charge. 

I have to say I made a late payment in XXXX this year. My due date was the XXXX ; I paid on XXXX/XXXX/XXXX. Called the company then, I was given a different date to pay -- the XXXX of the month beginning in XXXX XXXX. I have been charged late fees since then. 
On XXXX XXXX statement shows " available credit '' of XXXX. All other statements show XXXX balance available

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 denied for a home refinance loan this summer because of a negative item on my credit report from XXXX XXXX XXXX. Around the same time this happened, my husband started receiving calls from a debt collector on behalf of XXXX XXXX XXXX. Until that point, we had never even heard of XXXX XXXX XXXX. 

I have tried calling XXXX XXXX XXXX multiple times, but their phone IVR system makes it nearly impossible to talk to anyone if you dont have an account number and pin. When I was able to get ahold of someone XXXX XXXX XXXX, she confirmed that two fraudulent accounts were opened in my name at a bank branch in XXXX. I live in OH and have never been to XXXX. XXXX said she filed the fraud claim on the credit card account that was opened, but I would need to call a different number for the other account ( retail credit line ), which was the account that had charges on it. 

I talked to multiple people at 4 different phone numbers before talking to someone that told me she filed the claim and that someone would call me within 24 hours. That was nearly two weeks ago and I havent heard from anyone. 

I have also disputed this with Trans Union, but they did not do their due diligence as is required by law. I filed a 2nd dispute that was never finished by Trans Union also. This was before talking to 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 2022-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Despite having credit freeze and fraud alert, Equifax placed 3 hard inquires on my account. They refused to conduct an investigation or even provide details on who made the inquires. Here is what they placed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX XXXX I have been making monthly payments thru XXXX XXXX XXXX XXXX to Navient but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to Navient but XXXX XXXX XXXX XXXX collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

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 2018-01-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
on XX/XX/XXXX/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are inaccurate accounts on my credit report and the credit reporting agency has failed to provide proof that these accounts are mine

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 2021-05-13
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I was scammed on cash app from someone name XXXX, he constantly changes his name so he can scam more. The scammer took XXXX USD off my account. At that time I contacted cash app and the Bank by phone. The bank was able to assist by blocking the transaction immediately however my account showed XXXX USD. 
Cash app had said they would look into it then but nothing was done. I kept following up until cash app support saying the case close because Im out of the 72 hours window. Apparently the person I spoke with initially gave me incorrect information on resolving the issue. 
I have not used cash app since, however yesterday, XX/XX/XXXX, I received XXXX from a friend on cash app and it was taken off by cash app. 
On inquiry I was told that cash app took it to cover the negative balance. 
Im the victim in all this and they did not dealt with my issue from it happened, instead left it for me to repay and the scammers still having fun. 
I contact the support manager, XXXX, she was super nasty and condescending. She told me she can not help on the matter and tried to flip her rudeness into me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Byrider Franchising, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I leased a XXXX XXXX XXXX from J.D. Byrider in XXXX of XXXX and had this vehicle until XXXX of XXXX. I paid all of {$380.00} monthly payments on time every month and I brought this vehicle to their service department 10 plus times for them to fix because it kept turning off on me, they couldn't figure out what was wrong with it so I and my financial manager at XXXX came to an verbal agreement that I would return the vehicle to them. They then offered me a {$500.00} settlement in XXXX of XXXX but then they retracted and said that I had to pay the full {$9000.00} that was owed on the vehicle. I've reached out to the manager and asked him how can we get this resolved and get this removed from my credit report but he just hung up on me. They are reporting every month twice a month on my credit report this repossession but refusing to rectify this bill so that I can have this removed ftom my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XXXX  of XX/XX/2010, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XXXX of XX/XX/2017 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am nearing the end ( finally payment ) of my mortage with US Bank. I spoke with a representative last Monday XX/XX/2022 and asked for a pay-off amount and stated that I would like to apply the monies that were being held in escrow ( taxes, insurance ) to the final payment. The representative stated that typically US Bank does not do it that way and it would take approx. another 20 days for them to refund my money. She did however provide me with an email address to the department which handles these actions and stated that it should not be a problem to use the escrow funds- my money- to make the last and final payment. I have contracted this department three separate times and have only received and auto-generated response of " Thank you for your email. Serving our customers is our top priority and a response will be provided after a thorough review of the inquiry. '' The escrow funds are my money, money that I have paid into my mortgage account, and I feel that I should be able to use my money to pay off my mortgage. If US bank insists on holding my funds, then I should be entitled to interest on my money. 

Sincerely, 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 2022-04-03
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried contacting a loan officer multiple times while waiting on hold for hours after receiving an email that my loan consolidation would not go towards my XXXX. This was not my understanding of XXXX and I have worked hard in public service to work towards my loans being forgiven. My thought was to consolidate direct loans to my unsubsidized loans, which is a very difficult process to navigate. I spoke with a customer service agent recently who confused me more than I already was. Now I have to start all over with my XXXX  and this is such a disaster. I really need help because I did not make all those payments with the intentions of starting over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

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 2020-10-08
Company: Experian Information Solutions 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:
Dear Experian/XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment 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 2017-07-28
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted RPM about the validation of this debt and received a letter stating they need more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from 60 % -70 % up to 95 % by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.

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 2022-04-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Had my inspection and turned in my car at the dealership as instructed on XX/XX/XXXX and received the signed document from them acknowledging receipt. Log into my Chase account on XX/XX/XXXX and see they reported me for a late payment. Spoke with XXXX from Chase on XX/XX/XXXX and she said " sometimes it works and sometimes it doesn't '' in relation to their internal process. She said she fixed the issue. 

I paid the XX/XX/XXXX bill to prevent Chase from further trashing my credit score over their very broken internal systems. 

Log into my account today to see that the XXXX bill is due XX/XX/XXXX. Nothing has been fixed, they have the car and I'm again locked into this broken process I can't do anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
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 have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.

Company response to consumer: Closed with explanation