BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get an explanation as to why in XXXX of 2021 a {$590.00} escrow payment was made out of my account. Who was this payment made to? I have always paid my own homeowner insurance and taxes. Along with this payment came a charge of {$49.00} for escrow. I have also sent proof of Insurance to Newrez no less than 3 times to show absolutely no gaps in my coverage. 

I have called your service department, talked with escrow and insurance departments but have gotten no results to my request to have this process stopped and reimburse my money. 

I have attached the 2 statements showing when this occurred. Your attention to this matter is appreciated and I expect a response. I emailed back in XXXX to Newrez which I received no response other than they received the email and would be getting back to me. Well as of today I am still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I began working with Freedom Debt Relief to consolidate my unsecured debt as I had run into much financial trouble through a series of bad events. I was told when I began with them to stop making any kind of payment to the creditors/accounts I listed with them, to begin depositing money ( a hefty amount at that! ) into a " dedicated account '', and that after 90 days of missed payment they would begin negotiating a reduced balance and interest rate. In more than 5 months they have only negotiated ONE account. I now have several accounts about to be moved as " charge offs ''. I have forwarded all communication with these creditors and asked repeatedly about why it had been more than 5 months and still no settlements, and many about to be charged off. their response each time was that I di not have enough in my dedicated account. I have researched what a charge off does to my credit ( they have never once told me a charge off would stay 7 years, and I have asked what it would do versus paying them monthly starting now ), and each of time Freedom has told me to let it go, and after the charge off they would negotiate. A charge off is too late and stays on my credit report for up to 7 years ( I have asked Freedom several times over the last 2 months about this )! I have one account that has already been charged off, and it was one of the smaller balances which they never tried to negotiate. I could have negotiated with all of my creditors based on the research and discussions I have now had with each of my creditors. All have stated once I agree to an amount and reduced interest rate directly with them, that the accounts would be reported as " being paid '' which is by far better I am finding out than a " charge off ''. Freedom has now put me in a position where I may never get my credit score back for multiple years, by stringing me along and skirting an real answers as to what this means to my credit, until the accounts reach the " charge off '' stage, all while holding my {$630.00} a month plus {$25.00} and some change fees, in their account, but not actually negotiating or paying anything toward my accounts knowing they would/wee not going to negotiate until after all accounts were at this phase, which was NOT how this was explained nor ever said or explained to me thats what they were doing every time I asked and forwarded the information about what each creditor was doing. I came to them for help with getting my debt payment negotiated and paid, they have put me in a much worse position and now holding enough money I could have paid several creditors with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2021-12-02
Company: CAINE & WEINER COMPANY, INC.
State: TX
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:
I have disputed directly with the credit bureaus to make them aware that the collection agency does not have a surety bond on file and is definitely in violation of the XXXX XXXX XXXX. As usual, XXXX continues to report. I have attached proof from the Secretary of State. The collection is a third party and is in violation. XXXX insists on reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried logging in to dispute a medical debt on my credit report that is not on any of my other reports. The debt in question provides no phone number or address to contact this creditor and equifax allows this information to be reported. From my understanding of the FCRA and address and phone is required to be on the report. I have tried to dispute this information on my equifax credit report however their system will not allow me to. The last XXXX of my ssn are XXXX date of birth XXXX/XXXX/XXXX and my address is XXXX XXXX XXXX XXXX tx XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: MD
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 credit acceptance, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/22, I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA. The agreed upon price including my trade in was a XXXX mo. lease with zero drive off at {$450.00} per month INCLUDING Tax at a rate of 9.5 %. Upon review of the lease contract the following day, I noticed an error in the amount of tax charged and notified the dealer of the error. They told me not to worry that the contract was correct. When I received my statement from Chrysler Capital indicating a monthly payment of {$450.00}, I explained that the dealer had made an error in calculating the tax and that the payment was now more than I agreed upon as well as an amount different than my lease contract indicates. Chrysler Capital explained that they must collect the correct amount of sales tax and can not go back to the dealer to remedy the shortage from their proceeds to arrive at the agreed upon payment of {$450.00} per month including tax. 
I feel this is a breach of contract by the dealer to clearly indicate an incorrect amount of tax to show a total payment of {$450.00} to get me to sign knowing that Chrysler Capital will catch the error and charge the consumer the difference without demanding that the dealer correct the contract with the customer. Both the dealer and Chrysler Capital are unwilling to remedy the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have submitted two requests to Trans Union to verify and validate the information on my credit report regarding two charged off accounts. On all three occasions they failed to provide me with all relevant documents, the name of the person who verified the information, and the method that was used to verify the accounts. My first submission was XXXX XXXX, XXXX. The accounts disputed as charged off were XXXX XXXX and XXXX XXXX. My second dispute was XXXX XXXX, XXXX. The disputed accounts were the same. In both responses, Trans Union stated that the information was simply verified and updated without any proof of such verification. Under the FCRA the credit reporting agencies are required to have a copy of the original signed contract, copies of account statements, and are to provide the names of the individual from the company which provided the information. Trans Union has failed to complete a thorough re-investigation as required by the FCRA. It is my understanding that all disputes are out sourced to foreign contractors and they are given an average of 18 to 90 seconds to investigate a dispute. This is a direct violation of the FCRA in that the re-investigation is not conducted properly and by an actual employee of the credit reporting agency. I request that the practices employed by Trans Union and the other major credit reporting agencies ( XXXX and XXXX ) be investigated as they continue to violate the rights of consumers with no fear of prosecution.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: PA
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 In accordance with the Fair Credit XXXX XXXX  Account # XXXX is violating 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. 

15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location 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 2017-12-29
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX store XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed XXXX as the origin of the " debt. '' It does appear that XXXX uses XXXX but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - XXXX XXXX XXXX, XXXX and the " collectors '' XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.

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 2020-06-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw I have a collections account from Credit Control Corporation. I sent this agency a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I recently submitted a dispute with XXXX concerning a public record on my credit report. I was instructed to contact LexisNexis regarding the issue. LexisNexis was named as the vendor that verified the public record. I have submitted supporting documents to XXXX from LexisNexis stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the XXXX must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked XXXX in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to XXXX on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I have a credit card from DISCOVER BANK account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called DISCOVER BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Conduent is XXXX debit card for child support, and unemployment. They restricted thousands of cards last night at approximately XXXX, unable to check balance, use for any transaction, and withdraw our monies off the card. This has happened time and time again and they say its the OESC and the OESC says its Conduents fault. No one will take blame or accountability for the mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: United Collection Bureau, Inc.
State: PA
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:
On Wednesday, XX/XX/2021, I received a call from a debt collector identifying themselves as United Collection Bureau or " UCB. '' The person I spoke to verified if my birthdate was correct, and then he proceeded to explain he was collecting on an account where I owed " {$1800.00} '' which originated something called " XXXX XXXX '' or " XXXX XXXX. '' It definitely started with an " XXXX '' My total debt is split between my school loans, my current car loan, and seven unsecured creditors. I monitor my credit rating monthly, so I know exactly who owns what amount on each debt account. First red flag : Ive never heard of this debt collector before and they just started calling me this week. Second red flag : The debt they say theyre trying to collect originates from an account that doesn't sound like any of the banks Ive ever done business with. Third red flag : UCB has been repeatedly calling my mothers house phone number. All of the creditors I DO deal with have always called me on my personal mobile phone number. After I told this person I don't recognize the account they're talking about, I promptly ended the call. They repeatedly continued to call my mom 's number while I was at work on Thursday, and she finally convinced them to stop calling. There is the POSSIBILITY that one of my accounts was sold between companies and " XXXX  '' is some alternate name for one of my old creditors. But if the account changed hands recently, I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America breached my account holder 's contract by paying out {$19000.00} to a non-owner of my individual account on XX/XX/XXXX. I was the sole owner of this account as shown on signature card and verified by Bank of America on three separate occasions after this date. Pursuant to the account agreement, Bank of America should not have permitted any withdrawals from this account except those on the account owner. However on XX/XX/XXXX Bank of America accepted a checking /savings withdrawal from the non-owner in the amount of {$19000.00} as shown in the photo copy. 
I immediately notified Bank of America and tried to stop payment on this transaction XX/XX/XXXX but since this withdrawal was done in person on XX/XX/XXXX the money was gone from my account and the cost of the Stop Payment was return to me. I notified Bank of America of this fraudulent withdrawal by filing a Fraud Statement of Claimant form on XX/XX/XXXX. I also reported this to the XXXX Police Department. 

Getting no positive response from Bank of America I enlisted a local attorney XX/XX/XXXX. Due to deteriorating health issues that caused me to be diagnosed with XXXX XXXX XXXX XX/XX/XXXX, I was not able to pursue this case further since the XXXX was a two year XXXX XXXX XXXX XXXX  from several treatment centers and hospitals in XXXX and XXXX XXXX Missouri. Finally in XX/XX/XXXX my attorney sent a letter to Bank of America Legal Department stating our case against them. On XX/XX/XXXX Bank of America responded asking for documentation to be sent to fax number XXXX. Copies of the individual signature card, individual signature card with personal bankers name, Fraud Statement of Claimant, and Bank of America withdrawal slip for {$19000.00} from the non-owner honored by Bank of America were all sent by my attorney on XX/XX/XXXX to Bank of America fax number as requested by the Bank of America Legal Department. However, as of XX/XX/XXXX no other response has occurred to my attorney or myself since XX/XX/XXXX from Bank of America.

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