BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Home burnt to the ground on XX/XX/2021. Two checks were released form the insurance company for purchase of the new home ( manufactured ). First two party for XXXX was signed over to New Rez LLC as directed along with the paper work required, ( adjustors report, signed contract on the new home ). After many many phone calls and mis- information, I just recently received a check for XXXX from New Rez. When I inquired as to why the rest of that check was not returned I was told they were holding the rest of the funds until the house was done and they had proof it was livable. The house can not be ordered until the full funding from the insurance company is released. The second check from XXXX XXXX insurance was also endorsed and dent to New Rez as instructed. After many many phone calls which I am given a new reason every time why the funds can not be released. Today, all of a sudden they need a letter from the insurance adjuster as to what the additional check was to be used for. They are very well aware of the pricing of the new home as they have a signed contract. The second check was from a rider in my policy allowing me 20 % more funding if the original funds are not sufficient due to inflation. 
I don not have the personal funding to just order the house and be reimbursed later. I need the entire insurance funds released and then I will still owe some out of my pocket. I am living in a 26ft travel trailer with 4 dogs and my daughter and have been since the middle of XXXX. If the home is ordered today the wait time is at least 9 months. I feel like I am being scammed by NewRez and they are literally stealing my insurance money. The communication at this establishment is ridiculous. The person assigned to my case has called me once during this process and will not return my calls or emails. I have asked to speak with supervisors, they are never available and never return my messages. They are literally just making up excuses why they can not send back the funds so I can order my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Cedars Business Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have receive a letter from Cedars Business Services debt collector on XX/XX/2023. It was about the debt that does not belong to me. Please verify this account thoroughly to address my issue. Again, this debt is not mine. If there were any fraud activities involved please investigate to resolve this issue in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and also with ftc and sent in police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted CITI bank online support on XX/XX/XXXX, was directed to XXXX instead of US. 
Online support representative notified me that account access can't be restore due to account was charged off. I advised representative that my account was enrolled into Debt Management Program since XX/XX/XXXX. Representative transferred my call to Recovery Unit which also located overseas in XXXX. I spoke to a new representative, have to verify all my personal information again. Spoke to representative named XXXX who not very knowledgeable and informed me again that my account was charged off. I advised representative that I never received any notification from a company that account was charged off. Representative stated that they are not required to notify me about action taken on my account. I have been discussing my financial situation with bank and asked him to assist me with enrolling my account into financial hardship program due to recent reduction of my income and lost of my employment. Representative refused to forward my info and request to appropriate department for review. He stated that I'm not eligible for hardship because I do not meet their criteria s for hardship. I requested to speak to supervisor. I have been on hold for more than 10 minutes before I transferred to supervisor. I spoke to XXXX, call center supervisor who also was reluctant to assist me with my need for hardship. He only offered me assistance to transfer my call to payment arrangement department who can assist me some payment options that might be available for me. I wanted to speak to someone in United States and not XXXX and they don't have any number to provide to me for assistance. I'm completely dissatisfied with CITI Bank customer service and how they treat their customers. No assistance at all. No reasonable explanation what they have done with my account.

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 2023-03-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am interested in processing disputes for all inaccurate information on my credit report with experian. this data is holding back my file. please delete & review that incorrect data to remove the information asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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:
the ftc violation of XXXX was filed XXXX XXXX XXXXXXXX sys 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent Transunion a letter asking what method was used to retrieve a bankruptcy they are reporting on my credit report. They responded with a letter stating that this was verified via XXXX XXXX. I went directly to XXXX to verify the bankruptcy in question and XXXX XXXX advised that they received the information furnished to Transunion from the courts. I then went to the courts and they advised via a letter that not only is it illegal to provide the information to third parties, but they did not provide this information as well. I gave this letter to XXXX XXXX and they promptly removed the invalid bankruptcy from my consumer report. 

I then went back to TransUnion on XX/XX/2021 and sent a letter requesting a that they either provide me with proper proof of investigation of this alleged bankruptcy or to delete it as the third party that was used to collect this information has determined that it is invalid and can not be verified and, therefore deleted. With that demand letter, I also enclosed a copy of the letter from Transunion 's third party data furnisher, XXXX XXXX, acknowledging this information is incorrect and invalid and has been deleted. 

Not only did they take a longer time than the 30 days allotted to reinvestigate the inaccurate information, but Transunion has also refused to verify how the item was verified. This is a FCRA violation. 

Transunion has violated many FCRA rules and my rights by blatantly refusing to delete this item that has been shown as inaccurate and refusing to advise me of how they verified this information while it was in dispute. This alleged bankruptcy is affecting my ability to take care of myself and my family during this pandemic and costing me additional monies in fees and interest. 

Per FCRA, this item needs to be deleted from my credit report if it can not be verified as it is a violation to report inaccurate, incomplete or invalid 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 2023-03-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2019-04-11
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 made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account

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 2019-04-11
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:
Transunion is allowing fraudulent accounts to be placed on my credit file, these accounts are fraudulent and a result of identity theft. Transunion was notified this I spoke to a person name XXXX XXXX in the Fraud department which refused to block the fraudulent accounts, and refused to follow FCRA Law 603 ( B ) Which states a consumer of identity theft if providing a valid police report and advises the credit bureau this account is fraudulent has a right to have the account blocked. XXXX refused to block the account and refused to assist with the fraud on my file. First account is a XXXX XXXX which the company advised me was identity theft and that they have removed this account from my credit file and closed it however transunion refuses to remove the account and or block it. Second account is a XXXX XXXX  Line of Credit for a limit of {$6000.00} Which is also fraudulent opened on Unknown it says. Again this is fraudulent and opened by the thief who stole my identity, my drivers license, social security card and my email addresses. Lastly there is a account with a place called XXXX for {$1000.00} this account is fraudulent. I mentioned this to the rep he refused to assist. He did see my police report, and said that it doesn't meet his standards or criteria to be blocked. Apparently, He has a criteria in which he can choose to block fraudulent information or not. This is not acceptable. The accounts mentioned are FRAUDULENT OPENED FROM A THIEF. I am attaching my police report below, and want this rep investigated. He is creating fraudulent accounts on peoples profiles and then, advising he can't block the fraudulent accounts and refused to follow the law.

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account with Capital One for several years. Earlier this week I lost my debit card and requested a new one. Today ( XXXX.19 ) I received a new debit card and activated it in my app. The app was glitching and not loading completely but I was still able to activate the card and get a success message. I just got paid 2 days ago so there is plenty of money in my account that I need to access to pay my bills today. Shortly thereafter I tried to use it and it would not work, so I tried to call. I had to call 4 times before I could connect. Then I was on hold for 40 minutes -- call was dropped. I called again and waited on hold for another 30 minutes. While I was waiting I had started researching and found that they had XXXX  from their customer service account, @ AskCapitalOne, that there was an unspecified technical error causing these issues ( XXXX XXXX   XXXX ).  No information was provided in regards to what is specifically happening, why it is happening, what they are doing to fix it, how it will be resolved, or how they intend to compensate customers for their losses. I am currently unable to pay my bills, shop, or eat because I can not access this money. I have attempted to contact them via XXXX as well and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was still a minor in high school, and was taken in to doctors by parents and this charge should had been ran through my parents insurance and if there was still a charge then on their credit report, and not mine. I got out of college and my credit report is showing that, XX/XX/2016, I owed a balance of XXXX $ and it was sent to collections and affecting my credit score now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CORELOGIC INC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2017-12-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I contacted BBVA Compass Bank on XXXX/XXXX/XXXX notifying them that I traded in the vehicle to XXXX XXXX XXXX XXXX and provided them with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone XXXX XXXX My payment was n't due until XXXX XXXX, XXXX, so they had plenty of time to contact the dealership and provide the proper payoff amount. In the meantime, XXXX XXXX called Compass Bank with a payoff amount and the automated system stated that it was good for 10 days. XXXX XXXX overnighted a check for {$25000.00} on XXXX XXXX, XXXX and I asked XXXX XXXX if I needed to make a payment to Compass Bank and he told me that I did n't because I no longer owned the vehicle. I called Compass Bank on XXXX XXXX, XXXX to see if they had received the payment and they claimed that they did n't, meanwhile I kept receiving calls from Compass Bank regarding payment and when I inquired about the funds that were overnighted by XXXX XXXX, I kept getting the run around. Actually, it took them over a month to find the funds and although the account it paid in full, they reported my loan delinquent 30 days even though they had the funds in hand. I 've had nothing but problems with Compass Bank and I 've reported them several times because of their lack of concern, misappropriating funds, and some would say incompetence. I want this resolved quickly and I want them to remove that report from all credit reporting agencies. They are being spiteful because I ended my business relationship with them. I simply just got tired of the run around and the unprofessional behavior as well as unknowledgeable personnel that I always had to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
RDC ( Remote Deposit Capture ) - banking institution Umpqua Bank received digital information from deposit documets captured by affiliate institutions/other banks : XXXX XXXX, Mobile RDC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. These institution are regulated by FDIC, Federal Financial Institutions Council - and Federal branches. 
The bank position : " go to file a claim with your insurance company ''

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 2020-09-11
Company: Experian Information Solutions Inc.
State: WA
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 invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation

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 2019-04-11
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove all Freezes and Fraud Alerts from my file. I have attached my ID and Mailing address as well. I am trying to buy a car this month and I need ALL Freeze/Blocks/Fraud alerts removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove all Freezes and Fraud Alerts from my file. I have attached my ID and Mailing address as well. I am trying to buy a car this month and I need ALL Freeze/Blocks/Fraud alerts removed ASAP.

Company response to consumer: Closed with non-monetary relief