BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company started a scheduled maintenance in XXXX of 2022 and since then I have been unable to access my account online. It gives an error message and does not allow me to pay. I have to call customer service to make a payment, which hold times are over 3 hours usually and the rep adds a {$9.00} charge everytime I make a payment over the phone even though are no alternatives! They have marked my account late over and over again even though the agent on the phone always tells me to call when the outages have cleared up to get a waiver for those lates I am stuck with this item on my credit with no options while they charge me late fees, over the phone convenience fees, and lock my online account so I can't even check the status. They call over 15 times a day when they are in need of payment but during business hours even though I told them I can not answer while working but then their call center is closed when I get off work. after doing online research i see that there are MANY account holders experiencing issues with this company and it feels like a scam. I ALSO WAS SUPPOSED TO GET A {$1000.00} REFUND ISSUED TO MY CARD, THE DENTIST SHOWED ME WHERE THEY DID THE REVERSAL BUT THE CREDIT NEVER SHOWED. I am really frustrated and tired of chasing these people down just so that they'll take more of my money. I honestly feel uncomfortable continuing to hold an account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a dispute about my account to coamerica bank bank, the ssi.accout debit Mastercard used by the USA ssa.on XX/XX/2021 .about one XXXX dollar amount and XXXX dollars worth of miscellaneous charges made against my account. Made by a person who has stolen my phone from my house. I made a police report and provided all of the information and details to the dispute department within the allotted time frame. They reimbursed me the XXXX dollars for the charge to the phone company used by the thief to continue my phone service., but found not to reimburse any other items from my claim. I'm XXXX and I don't have any recourse. My income is very small and this has caused me a great loss. I have the Records and the womans name and information that took my money.i have access to video confirmation of the theft.yet none will do anything. I have several other things that I have had done to me concerning financial issues. Is there anyone who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for help with my past due mortgage, with XXXX XXXX XXXX XXXX, they were able to approve me for assistance, & they wired-ACH transfer to Select Portfolio Servicing ( XXXX XXXX XXXX ) {$13000.00}, on XX/XX/2022, Select Portfolio has not applied the money to my mortgage account as of XX/XX/2022. I have reached out to my servicer to see why they have not applied the $ XXXX to my mortgage account & i am told it is pending. The XXXX XXXX has cleared per XXXX XXXX XXXX XXXX. Select Portfolio Servicing ombudsman department refuses to take my call, nor do they call me back regarding this matter. I was refused to talk to upper management by XXXX on ext XXXX on XX/XX/2022. There is no reason the XXXX XXXX should not be applied to my past due mortgage, & again the servicer will not communicate to me when the funds will be applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loans ( 2 ) were transferred just after funding, and prior to first payment. Payment was already set up electronically as per the instructions at closing. Payment was made electronically on time but wasn't credited for over 10 days. I expect my payment to be posted and principal and interest calculated on the day payment was received by the originator as directed. I have called to make this request only to be given excuses. I have also emailed the new servicer. I have included the email sent to the new servicer here : loanservicing@shellpointmtg.com Loans XXXX My loan was recently transferred to Shellpoint from XXXX. 
The first payment on the loan was Due XX/XX/2019 as the loan just recently funded. I closed on the property and flew to XXXX for the month of XXXX. In order to make sure payment was made on time, I had set up electronic payments to the lender ( XXXX XXXX ) before leaving the country. 
When I arrived home, I find that XXXX transferred the mortgage to Shellpoint. XXXX received my payments on XX/XX/2019, I called Shellpoint to make sure that payment was transferred only to be told it was my responsibility to sent supporting documentation. I was dismayed by the response. I followed up with XXXX to make sure payments were received and would be forwarded to Shellpoint, which they verified. 
I looked in the Customer Service Portal on Shellpoint and see that payments were credited as of the XXXX of XXXX. Due to the poor timing of this transfer, I expect payments to be credited on XX/XX/2019, the date they were received by XXXX Mortgage. I have attached copies of my bill bay payment trackers and reciepts from my credit union for your verification. 
I will also send copy of this message to the Consumer Financial Protection Bureau in the form of a formal complaint and violation of 12CFR Part 1024 in regards to mortgage transfers. 
My experience with your customer service department has been very frustrating. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX I included attachments with the email that I will add below Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: GA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS WFDS Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - XXXXERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up for an annual XXXX subscription for a product that they sometimes called XXXX XXXX or XXXX XXXX ( now branded XXXX, I believe ), in XX/XX/XXXX. They offered two subscription tiers : monthly and annual. Originally, I was being double charged, both for an annual subscription as well as a monthly subscription. 

I tried contacting the XXXX multiple times to correct the double charging through their web support portal. At the time, they had a web-based form set up where you would type out your message, give your email address for them to contact you, and wait for a reply. They did not send confirmation emails, so there was no way to " prove ' that you had contacted them through this portal. No one ever contacted me as a result of my repeated support inquiries. 

After multiple contact attempts through their web form, I sent them an email directly to a email address listed on an XXXX website, https : XXXX. The relevant part of the form reads " To cancel your existing account, call XXXX Customer Support at XXXX or email XXXX with your cancellation request. '' I also tried calling them at this number, only to find it disconnected. In my email, I asked that they refund the double charges, and cancel future recurring charges. I can provide that email, but am withholding it for now because the instructions for submitting a complaint say to not include any personal or identifying information, and the email contains that information. 

I did not receive a response to that email either, so I began disputing the charges. To this day, XXXX continues charging my card every month, without any way for me to cancel the charge. Most recently, on XX/XX/XXXX, they increased the charge to {$79.00}. That charge is the source of this complaint. I disputed that charge, and the credit card company sided with the merchant, even though I provided documentation showing that I had attempted to cancel this subscription nearly a year earlier. 

It's also worth noting that this is a common problem : if you XXXX " XXXX won't let me cancel my subscription, '' You will find countless examples of people looking for help for this exact problem. There is even a class action lawsuit filed which speaks to many of the exact same issues I am facing : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: GA
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MN
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:
All three credit bureaus have reported incorrectly that my car loan with XXXX XXXX was discharged through bankruptcy. I provided them proof from credit acceptance that the account was paid in full and they still determine that is a valid report. This has been going on for years and the credit bureaus blame XXXX XXXX and vice versa.

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 2021-11-14
Company: Finance of America Holdings LLC
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received a notice in the mail from Finance Of America reverse that my deceased mothers reverse mortgage was going to go into foreclosure unless I contacted them. I called them on XX/XX/XXXX and they instructed me to send an email to them stating that my deceased mothers estate had not yet gone to probate due to being held up in the courts due to Covid. I told them I could not apply for a mortgage in order to pay off their balance until my mothers estate and probate were settled in the courts. I got a response to my email generated from Finance Of America reverse that they would respond to me in 10 to 15 business days. They never responded to me.

Instead they want ahead with foreclosure without my knowledge without notifying me via mail or email.

I had to find out that the property went into foreclosure when I received two phone calls from realtors wanting to purchase the foreclosed property. 
My attorney states they applied for for closure through the courts on XX/XX/XXXX. On XX/XX/XXXX my refinance from XXXX XXXX paid off Finance Of America reverse the full amount.

That same day I received a phone call voicemail asking me to call Finance Of America reverse. I returned their call XX/XX/XXXX only to find out that I owed attorneys fees in the amount of {$1500.00} and I needed to pay it that day XX/XX/XXXX by XXXX XXXX East Coast time or they threatened that my entire XXXX XXXX payment that had been posted to the reverse mortgage account would be sent back to XXXX XXXX  and I would have to start the entire XXXX XXXX refinance process all over again. 
I scrambled that day XX/XX/XXXX to get to a bank that could make an appointment to do a wire transfer for me. Had I not paid the {$1500.00} they threatened me that they would return my XXXX XXXX payment back to XXXX XXXX and I would have to start the entire XXXX XXXX process all over again. 

I do not think I was given proper notice by Finance Of America reverse that this property was going into foreclosure. The only notice I got was on XX/XX/XXXX via US mail that I had to take action which I did at that time by calling them up and sending them that email I described above. 

I feel I should get a refund of the {$1500.00} attorney fees returned to me. My attorney states I should not have had to pay the {$1500.00} attorney fees. 
My attorney states I should track down the attorney at Finance Of America reverse and report them to the state bar association.

The Finance Of America reversess company I dealt with was out of XXXX Michigan. The attorney for them is listed as XXXX XXXX XXXX XXXX. I need to find the attorney responsible for not appropriately documenting and notifying me this this property would go into foreclosure. 
I need to get a refund of the attorneys fees of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a request to delete some items from my credit report to Equifax via certified mail. It has been over a month. These items resulted in identity theft from creditors that I do not know about. I was also a victim of their very own data breach. 

The accounts that are fraudulent and I have even filed a police report for are the items below. 

XXXX XXXX XXXX XXXX XXXX XXXX I sent in a notarized affidavit stating that these items are not mine. ACCORDING TO THE FCRA 605 B, EQUIFAX IS SUPPOSED TO BLOCK THESE ITEMS WITHIN 4 BUSINESS DAYS. WHY IS IT THAT EQUIFAX IS THE ONLY ONE BREAKING THE LAW. XXXX  AND XXXX  COMPLIED BUT WHY ARE THEY TAKING IT UPON THEMSELVES TO VERIFY A FRAUDULENT DEBT. THIS IS ILLEGAL AND VIOLATES MY RIGHTS AND VOICE IN THIS MANNER According to the FCRA 605 B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CORELOGIC 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 am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

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