BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: FinCo Services Inc DBA Current
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I woke up to my Current account being Under Review after contacting Currents support, turns out their phone lines are down because of COVID Im assuming? I then chatted with Current in the app and was told to reply to a email from the Account Services Team. I checked my email to no avail, Ive received nothing from Current regarding this ( but I have received emails regarding some new promotion Currents having ) oddly enough. Ive yet to receive a response, I messaged them on XXXX, sent numerous emails with no response. Ive reviewed complaints regarding this same issue on XXXX  website and it seems Current withholds money from their customers a lot with the same response Under Review. Ive told Current I would upload any documentation requested and have only been told to wait for this team to reply. Sorry, but its a personal bank account. We dont have 2 weeks+ to wait for a response on if we possibly can access our funds or not. This is bad business practice. When I chatted with Current I was disregarded as a customer and the chat mysteriously disconnected after requesting a supervisor on shift. 


Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute.

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to XXXX as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above

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 2021-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery notified me that they were collecting on an account with XXXXl XXXX. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as XXXX or 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Throughout the time my account has been with Tower Loans, my account information has been shared several times with other employees at my job and residents in my home. The representatives do not verify any account information before sharing the details of the account. I have had 2 co workers approach me about my Tower loan account. 

Tower loan reps are calling 3/4 times several days within a week. The calls have come in durations of 10 minutes to an few hours apart. There has been moments I call for account information or resolution, but still about receive 2 calls throughout the same day. This account has never been completely abandoned account, if I couldnt make full payments I paid partial, ls, than extra to bring it currents after hardships arised. 
In efforts to bring the account current after, I made an automatic payment arrangements for {$250.00} and wrote several post dated checks up to XX/XX/XXXX for an additional {$150.00}. The {$250.00} covered regular {$210.00} payment and extra {$150.00} cover any past due amounts. It was setup this way because the system wouldn't allow them to setup 2 separate automatic payments within a single month. During this time I was still receiving at least 2 calls per day stating my account was past due and needed to setup arrangements. Each time I explained, that it had already been done and the checks were physically in the office. Each time the representative stated that my account had not been noted of those arrangements and repeatedly demanded payment. There were a few incidents where the representative told me, " if you would pay my bills, they ( tower loans ) wouldnt have to keep calling you, next step is we will sue you ''. Everytime an incident occurred I spoke with a current General Manager that promised the account would be updated to prevent further " human error '', needless to say those situations repeated itself nearly every month. Despite making on and off payments to bring the account current. it had been sent to collections and they are still continuing their aggressive phone and home visits. 

Today XX/XX/XXXX, I missed their call, I called the office back within 7 minutes, spoke with a representative, then within 3 hours another representative arrived at my door. 
The company has to be held accountable for harassing customerd and sending representatives to your home,, especially during the pandemic.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX  | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above

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 2023-02-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to make 2 payments on or about the XXXX of XX/XX/XXXX. I was advised by my signal point of contact to do a modification, and we agreed to work getting documents together while loan modification package was being generated. 
i did not received the modification package so i called back and they sent it by email XXXX XXXX I then emailed part of the documents XXXX and the remaining documents XXXX. 

i was told i was already approve for the loan mod i only needed to send page 3 of the work packages. They were in continuous conversations we me about the loan modification in spike of THE FEDERAL LAWS against Dual Tracking they place my home in foreclosure .My home is worth {$30000.00} and i only owed XXXX, the unlawfully foreclosed on my home while leading me to believe they were help me with a modification bur instead they created a fraudulent assignment with robo signed denouements. XXXX XXXX of Delaware HAS NO STANDING TO HAVE FORECLOSED ON MY PROPERTY but Shellpoint violated federal law the CFPB which the XXXX XXXX XXXX XXXX XXXX and CONSUMER PROCTION ACT OF 2010 ( DUAL TRACKING I ALSO RECEIVED ANOTHER EMAIL AFTER THEY SOLD MY HOUSE ASKING FOR MORE DOCUMENTS. TO COMPLETE THE LOAN MODIFICATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 IT has made. It is the result of identity theft

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 2020-10-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: OPORTUN FINANCIAL CORPORATION
State: NJ
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: Problem with personal statement of dispute

Complaint:
I made a payment on my account on XX/XX/2020 and my last payment XX/XX/2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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'm disputing the following accounts that's reporting on my credit report. The XXXX XXXX XXXX XXXX has 4 reporting accounts inwhich I have no knowledge of. There's also a XXXX XXXX XXXX   {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them 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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.

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 2022-03-01
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home went into foreclosure The home sold to third party buying the day of the auction XX/XX/XXXX Freedom mortgage is the mortgage company I ask for escrow information XX/XX/XXXX I wrote them email to explain escrow they sent me information about my regular and flood insurance on the XXXX XX/XX/XXXX a break down .I got a letter in the mail couple weeks later about them putting forced insurance on me in XX/XX/XXXX but I never received any information about this {$920.00} payment to this other insurance company I called they said it just went into effrect. ZI wrote the a letter on XXXX XXXX express mail asking for all accounting of my loan to include fees escrows and foreclosure information and what is going to happen to my XXXX check that they kept in their loss draft department now that {$53000.00} now that they no longer own the home, and the house sold to 3rd party for XXXX and and they are the owners I feel that freedom mortgage unjustly inriching themselves by holding my check and drawing interest on it for these 3 years. That is why I put a formal request for my accounting fees and escrow and other information pertaining to my loan but I they refuse to give me any information Loss Draft fm says loss migration FM and the send me back and forth with questions and no one answered anything just point fingers A veteran for closure nonjudcial is only {$1500.00} for the state of Mississippi where is all these fees coming from.

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 2019-10-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They first left me a voicemail saying that if I do not respond in a certain amount of time they will try to locate me. They threatened to call my current employer to find me. They also called my husband stating the exact same thing. I called them back ( XXXX ) and they said they were " compliant mediation '' of some sort tried to guilt trip me and ask me questions like " you did not plan on paying it back didn't you? ''. They say I am being sued by XXXX county and that they will come find me. I have not received any notice by mail that they are doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: DE
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:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction. 

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely

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 2018-09-13
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been XXXX and my ex wife was awarded this loan in the divorce. I assumed she had been paying this on time and she fell behind while I was gone. I am now trying to relocate due to my transfer and purchase a home here. I am in dire need of having the last 2 lates removed off my credit report so I can close on a new loan ASAP. Please remove these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Mr. Cooper Group Inc.
State: FL
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:
XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that mr cooper had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from mr cooper and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to mr cooper but couldnt get issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital One has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. 

I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

And I never opt in for over limit transaction with XXXX XXXX XXXX. Capital One has approved the transaction and it has damage my credit score pursuant to the Card Act concerning billing statement XXXX XXXX XXXX XXXX - XXXX XXXX ) regarding the opt in for over the limit transaction and the minimum payment disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: OH
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 unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation