BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Started in XXXX of this year with them putting force placed insurance on my property when I already had insurance in place. They did an escrow analysis with the force placed insurance and upped my payment almost {$200.00}. I advised them that I had insurance, me and my insurance company sent them documentation showing proof of coverage and they still havent removed the forceplaced insurance and still have not corrected the payment amount as of today. They indicated they were going to redo the analysis ( 2nd time ) but of course, they didnt remove the forceplaced insurance and the analysis came back that I needed to pay more to escrow. I received a notice yesterday stating that I needed to make an additional escrow payment to cure the deficiency. I called and told them that they were going off the incorrect escrow analysis and that my payment was still not correct. Of course the person said let me check on that, and again, a third escrow analysis has to be done. Nothing is going to change unless they remove the force placed insurance and then do the escrow analysis. I am so tired of dealing with this. I just want it done so I can sell my property and get away from Shellpoint Mortgage. It has been a nightmare ever since they took over my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo years ago I was behind on my mortgage I did everything possible to try to make it up when I did get them to work with me I had to resign for XXXX  more years and they added XXXX.to my mortgage.my original mortgage loan was XXXX. In XXXX now XXXX  years later I still owe XXXX. How is this right. I only got like XXXX months behind when I had XXXX XXXX XXXX XXXX XXXX and my husband lost his job.This can not be right after XXXX years to owe way more than my original mortgage.Please help.

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 2022-01-16
Company: Experian Information Solutions Inc.
State: TN
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/2021, I requested Experian to investigate the following items in my consumer file, XXXX XXXX XXXX  XXXX XXXX XXXX ( {$410.00} ) XXXX. XXXX XXXX XXXX ( {$7900.00} ) Inquiries : XXXX XXXX XXXX. 
Experian responded that Items were verified. 

On XX/XX/2021 I requested a reinvestigation on the same items, I requested a written procedure to determine accuracy and the written results of the investigation. 

I received a response after 30 days. 

Experian Responded the items were verified but refuses to respond with the written instruction I requested. 

On XX/XX/2021 I sent a no response on written instruction and made Experian aware that they have violated me as a consumer. 

Experian is withholding information in my consumer file and refuses to comply with the federal law. 

Experian doesnt have any permissible purposes to obtain any information in my consumer file, Experian is benefiting from my credit card, without authorization. That's causing XXXX to my reputation and XXXX to my family and living mode without explanation. 

Experian has yet to respond to the instruction that I Requested. 

Experian is reporting items that's inaccurate and it's obvious that this information is inconsistent, inaccurate and unverifiable. I've attached documents highlighted in yellow showing what's being furnished about my reputation is all different and as the original creditor this information is incorrect and needs to be deleted.

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 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/21 Fraud use my BOA credit card XXXX charged {$220.00} to buy product of XXXX XXXX internet ca. 

XX/XX/21 I reported to my BOA fraud dept about this fraud charge and change a new card number. Boa open claim I'd XXXX for me. 

XXXX XXXX email refund {$220.00} to back my credit card account payment profile I'd XXXX. 

XX/XX/21 BoA denied my case, XXXX refund money to somewhere out. I call report to both about the {$220.00} charge without my authority and BOA reopen claim XXXX for investigation. XXXX also open a new claim ID for investigation. 

I also report to XXXX, FTC gov

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 monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.

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 2021-12-15
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Flagship Credit of Pennsylvania violates consumer finance laws by falsifying information to purposely create a default on the loan they also document one thing after having done another they have Representatives who tell the customer one thing only to have another customer turn around and tell something different they prolong the process for contact when the customer tries to remedy a problem that corporate Representatives such as XXXX XXXX and the CEO have no contact other Representatives that I tried to reach like XXXX XXXX and XXXX XXXX were not in a XXXX XXXX XXXX falsified the process documented false information retaliated... Customer has been trying for over two and a half months to reach a viable representative to give a clear answer concerning covid related issues which cause problems for payment the problem could have been taken care of right away but a flagship prolonged the process for months only to penalize me for the problems the delay caused..

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 2021-12-15
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Thease accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX  Case Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not 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 2018-04-20
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: Investigation took more than 30 days

Complaint:
CRA VIOLATION WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVE ANY FILE BACK AFTER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MA
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:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

XXXX Account Number : XXXX Please remove it from my credit report. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute. 
5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
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:
Somebody used my car and wells fargo charged me with interest and fees couldnt pay they got a me refund but took so long and didnt get the entire refund went to collections and still struggling

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 2023-08-02
Company: CITIBANK, N.A.
State: WA
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:
I have a Best Buy VISA card with Citi. I need to access my most recent statement in PDF form because my mortgage lender has requested it in advance of closing on a house this week. The XXXX statement closed two weeks ago but it's not available online. When clicking on the " view statement '' link, nothing comes up, just a refresh of the account home page. When clicking on the " statements '' header in the top menu, it pulls up the ability to pull an XXXX file of the transactions, but not the actual statement. 

I have tried on multiple devices and multiple browsers, with and without cookies, and with all the potential security/privacy features turned off ( i.e., popups allowed, etc. ). It's not a technical problem on my end. 

I have sent repeated requests to Citi about the problem but they refuse to actually review my question and simply repeat variations of the same basic technical issues ( only use this browser, try logging in and out, etc. ) or other generic information about how it takes 2-3 days after a statement close for it to become available. Literally, over and over, they send these insanely stupid responses that don't show any sense of reading comprehension. It's insulting, infuriating and intensely problematic for securing final approval of my loan. Hopefully my lender 's underwriting department is ok with a screengrab, but this is just nuts and could really hurt other people in similar situations. 

All I want is my statement, but they have a XXXX website, a XXXX customer support team and no interest in even hearing customer concerns. This company is anti-consumer.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: NM
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: Investigation took more than 30 days

Complaint:
I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked XXXX, Equifax and XXXX to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for incorrect information reporting on my credit. I have also requested for XXXX, Equifax and XXXX to remove XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information.

15U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.S.C 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX and XXXX both failed to send me an update on the dispute I submitted. I called both XXXX and XXXX and they have both declined to send me a letter providing me an update of the dispute. When I asked them what information did they request from the creditors I am disputing on my credit, XXXX response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide basic information. When I called XXXX they provided general information on what they do on a dispute which was not helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: Premier Auto Sales, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-31
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX, Paypal offers all sorts of payment options - this is normal, and they are owned by the same company. I was offered PayPal Credit on an item with 12 and 24 month terms, 0 % interest, for the item plus tax with a box to apply. When I applied I was told I had an account I could use, with not other information provided. This was all within the item for purchase XXXX $ XXXX for 24 months was offered ). After winning the item, PayPal would nt process the PayPal credit option and directed me to Synchrony bank who will now only offer up to {$3500.00} and will not allow partial payment. So - now I am stuck with an item for {$4900.00} and have to come up with some way to pay this - none of these merchants - XXXX PayPal, or PayPal Credit ( Synchrony ) - would honor the terms or resolve the issue in some other way. XXXX told me I could contact the seller and tell them XXXX policies prevent the transaction, but, would not do so on my behalf leaving me ultimately liable. They also said they would report internally the misleading offers - but would not provide me the details, only a ticket number read over the phone. This is classis Bait and Switch - offer something, decline terms, buyer is still responsible for the item.

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 2023-09-14
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I would like to speak with a representative from EdFinancial Services because I have questions regarding my interest and the new Income-Driven-Repayment plan I just enrolled in. I was unable to find an answer online. I tried to call their number and it said the wait time was XXXX minutes. I then tried the chat feature but that was automated, so I was unable to find my answer there. I'm still " waiting for a callback '', but on the phone they said I would receive a call after XXXX XXXX, and according to their hours listed, they're not even open that late. I will try again XXXX  if I don't hear anything, but it is impossible to reach someone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has discharged my debt to a collection agency who is writing to offer a reduced settlement. I have tried both the phone number provided as well as the website provided to contact the company to request a copy of the original signed contract, as is my right. The phone number provided ( XXXX XXXX ) only asks questions related to sales of devices targeted to the elderly. After completing all the prompts the line eventually disconnects, therefore you are never allowed to contact the actual agency in order to arrive at resolution. The same practice is employed by the website provided ( http : //ssp.ercbpo.com ). Not only is this false representation but the fact that you are subsequently bombarded with service products targeted specifically to the elderly is horrifying, this is predatory business practices at its lowest form.

Company response to consumer: Closed with explanation