BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband died in 2010. His name was on the mortgage account. I am XXXX senior and unable to work or do much. However, I tried to keep my payments up. My home was badly damaged in the ice storm. XXXX refused to issue the money to the repairman to fix it. I have been living with leaks and in the cold since then. But I just pray and try to get by. I don't have anyone to help me. XXXX sold to XXXX and XXXX sold to XXXX. No one at any of these companies will help me. I have called and tried to speak with XXXX XXXX as she is supposed to be handling the account. Now she won't speak to me about the stautus because my name isn't on the account. However, they continue to send me the bill and call and leave messages about how it's behind. I am unable to go to court. I explained that I am immobile and can not go to a court house to get executorship. They keep sending all these bills that I can't afford and yet they won't talk to me. My kid used to help but because of covid can't help me anymore. XXXX XXXX Is my husband whose name is on the account. XXXX. I would like for somebody to please help me stay in my house. Everyone is calling me telling me it's going to get sold. I will be put out in 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 2021-02-10
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO LVNV FUNDING LLC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: ID
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:
identity theft XXXX my FAFSA college XXXX. Security at XXXX informed me showing me my account was compromised therefore resulting in my termination due to {$14000.00} at risk that very minute XXXX credits 2 1/2 yrs gone I appealed forgiveness from government but no longer have proof it was forgiven. 
My info XXXX XXXX XXXX XXXX XX/XX/XXXX current cell # XXXX Email : XXXX Would like copy of my identity theft file and for someone to please contact me I have several issues still attacking my identity to much to write about.

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 2018-04-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX the day after the payment due date and the day after AMX withdrew the money from by bank account, I received an email stating that AMX has reduced the credit line on my AMX Blue Cash card by {$3100.00} even though I have never paid late or missed a payment, never exceeded my credit limit, and AMX has increased my credit limit several times ( credit limit increased {$2000.00} on XX/XX/XXXX, {$3000.00} XX/XX/XXXX, and {$1700.00} XX/XX/XXXX ). On XX/XX/XXXX I received a letter from AMX stating that my credit limit had been lowered. According to the letter part of the decision was based on my FICO score the AMX obtained without my knowledge or permission on XX/XX/XXXX. By reducing/lower my credit limit it will appear that I am using a higher percentage of my AMX credit line that I was when the purchases were made therefore reducing my FICO and credit score even lower than what it was prior reducing my credit worthiness and making harder and more difficult for me to obtain credit. I don't know what AMX 's objective is and or what AMX intends to accomplish by reducing my credit limit. There is no statement on the credit report that indicates that the credit line was $ XXXX and balance was $ XXXX  prior toXX/XX/XXXX and that on XX/XX/XXXXthe credit line was reduced by {$3100.00} for other creditors to see when pulling a credit report and considering any credit application. On XX/XX/XXXX, I contacted AMX by phone to discuss the decision to lower the credit line and spoke to a representative of foreign extraction, it seems that AMX out sources customer service call centers to foreign countries. The representative asked questions about my employment and income and if I rent or own my home and I told him that I own and that the house was paid for and there is no rent or mortgage payment owed and the house is free and clear. The representative stated that in order to restore the credit line I would have to pay 50 % of the balance owed by XX/XX/XXXX or submit financial documents such as bank and savings account statements, IRA or 401k, ect., for AMX to " review '' and make a decision within 45 days. In previous experience with companies most of the time when they offer to " review '' they usually still say no and make up some reason to justify upholding the original decision. It is highly unlikely that AMX would revers it decision so it would be a waste of time and effort to submit financial documents and that my 401k and IRA are less than 90 days old so there has been no time for them to grow interest and become established.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Finance of America Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX of Finance America told my husband, XXXX XXXX and I that we were preapproved for a program that required no down payment and was 100 % financed. She put our information through the automated system and said we were approved in XX/XX/XXXX. We assumed we were set with financing so in the spring we paid {$3700.00} in deposits for upgrades to a condo under construction. When we went to secure financing in XX/XX/XXXX for our early XX/XX/XXXX close date we were told we did n't qualify for financing and were abruptly dismissed. We have been homeless for 2 months and are currently out of {$3700.00} in deposits to the builder who refuses to refund us. We never would have paid the deposits if we did n't think financing was guaranteed. We also just found out in the preapproval letter she only wrote in conventional loan which we knew was NEVER an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I first contacted Equifax, I answered over 12 security questions, including name, social, previous address, current address, student loans, etc. I told them over 25 minutes the answers to the questions they asked and they still denied allowing me access to discuss my credit report. They have accounts that are being reported that are almost 20 years old, employers that do not exist, etc. I learned of all of this from applying at an apartment community recently as they gave me a copy of the report they received. It took me weeks to determine that the report they gave me was based on Equifax because it was through another company. I finally asked for a manager who asked me almost no security questions other than name, address, phone, etc ... and they immediately spoke to me about my account and agreed to mail me a full report. Today, after getting my report, I called one of their multiple numbers provided on my report. The number I called wanted me to verify three security questions. One was the confirmation # on the front of the report which I did exactly and verified. The next question was asking me my ss # which I did and verified. The other question was asking me the numerical digits only of my address, which I did and verified. After SEVEN times of verifying this information perfectly and identically as per the credit report I just received, they still denied my access to my account and said it did not match. I then found another phone number on the credit report and called in. I received the same run around I have time and time again. After giving my confirmation number that is on my credit report, I was told that the number does not exist. After providing my ss # I was told I did not exist again. When I asked for a manager he was mysteriously able to immediately pull up my account with the confirmation number and my ss #. I believe I am being scammed. The people taking calls are not of the USA and seem to relentlessly deny my access to my account on a regular basis. When I tried to log in on line to dispute items on my report, I was at first accepted to submit a dispute but then the page would not load. Upon refreshing, I was again denied access to my report even though I answered the security questions exactly. When I asked a manager why this continues to be a consistent issue on my account and my husband 's as well, I was told that " the system is still updating '' whatever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, a certified letter was sent to XXXX XXXX XXXX XXXX regarding a debt owed in the amount of {$210.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment from another party named XXXX XXXX XXXX. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I opened up an online savings account with Discover with initial deposit of {$15000.00}. On XX/XX/XXXX, while on vacation, I received a voice-message from Discover asking me to call them back for account verification. When I called back, the Discover Account Security Rep., XXXX XXXX, XXXX, asked me if I made two wire transfers in the amounts of {$5100.00} and {$9200.00}. I immediately replied NO, I have not made any transactions from or to my account since the opening date. She stated that she's going to reverse those wire transfers and would credit my account for the transfers amount and wire fees since I did not made those transactions. She also assured me that per the Discover {$0.00} Liability Fraud Policy, attached, I am not responsible for unauthorized debit card, online, or mobile banking transactions. She later called that day informing me that she was able to reverse one of the wire transfers, {$5100.00}, but the second transfer the receiving bank has not responded yet. She also recommended for extra security to open a new saving account to transfer the remaining balance and create a verbal password when call in, until the other transfer is cleared. I then requested to talk to a supervisor, XXXX ID # XXXX, for crediting my account for the second unauthorized transfer and he too stated, Discover {$0.00} Liability Fraud Policy that I am not responsible for unauthorized debit card, online, or mobile banking transactions, however, crediting my account may take up to 7 to 10 business days. 

Last Friday, on XX/XX/XXXX, I called XXXX but he was not available, so I spoke with another supervisor XXXX,, who she said she would call me back before the EOB day Friday to give me an update. When she called back, she then put me in touch with Discover Investigation group representative, XXXX, XXXX, whom told me a different story than the rest of Discover staff. He stated that he's going to investigate and request the receiving bank to return the funds but there is no guarantees to get my money back!!!! He also requested me to sign an affidavit, which he's going to mail to me for signature, when I asked him why can't he email or fax me the blank form to save some time, he stated that's Discover policy, I am now waiting for the form to come in the mail. Here is the Discover Website https : //www.discover.comXXXX THANK YOU!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX card has been contacting my ex husband whom I divorced several years ago. Theyve been calling his office and cell phone number, even though my ex husband told them that he doesnt want to receive any phone call regarding me they still calling him and telling him about my debt and told him that I need to get an attorney. 

Earlier this year I asked XXXX XXXX to use my account assure that they advertise will help you during your hardship moment. Its all lie, not only they didnt lower my payment or comes up with solutions, they told me they cant help me because my payment is always up to date. Not only I lose my money from my account assure ( which also a scam the way they advertise it ) the communications with XXXX XXXX representatives are always bad, different people said different things and they dont have initiative to help. After being late for my payments ( in order to get help from hardship department ) they been calling me day and night, several times a day with unknown number and robo calls. They also threatened with contacting the attorney and will taking this seriously. Back when it started my debt was {$1200.00} with {$3000.00} credit limit. Now my debt is $ 1600+ because not only of the account assure didnt assure you to get help during hardship moment they keep charging me every month beside the interest fees!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, 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. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
A few years ago I had several collection accounts from XXXX XXXX XXXX, which were reported to all three credit reporting agencies. After these account were paid in full, I was assured that these account would be deleted from all three bureaus, and they were. About a year ago ( XX/XX/XXXX ),   five of these accounts appeared on my TransUnion report. After noticing that they were not on the other two credit reporting agency reports I contacted TransUnion and asked for an investigation. The investigation resulted in the deletion of the accounts ( XX/XX/XXXX ). However, about two weeks later they were back on the report. This went on for about five ( 5 ) times over a four ( 4 ) month period. I have called XXXX XXXX several times in which they have informed me that first of all they stop reporting to the credit reporting agencies after a year, secondly, they don't give permission for deletion and turn around and report again, and thirdly, they report to all three bureaus, not only TransUnion. TransUnion is not cooperating with the investigation and continue to delete and re-report these account, and in the meantime, my score is affected by at least 60 points. I do not know where else to turn. Your help in this matter would be greatly appreciated.

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 2021-03-31
Company: Asset Management Outsourcing, 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: Was not notified of investigation status or results

Complaint:
Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX  XXXX  XXXX on my behalf has communicated with Equifax on XX/XX/XXXX and to this day XXXX has not responded. See Purdue v. RJ REYNOLDS TOBACCO COMPANY, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX however, XXXX refuses to respond, Therefore, XXXX is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Nationwide Recovery Service ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why XXXX  refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX which include ( XXXX XXXX XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX ). In both of those cases XXXX  purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/19 i received a letter stating that i owed {$980.00} to the XXXX XXXX XXXX. I ask for any proof and they didn't have any. The customer service rep just knew that i went to this office on XX/XX/XXXX which i dont have any knowledge of being in that office nor i do not know the address of this location. this is super frustrating when i have no knowledge of this request.

Company response to consumer: Closed with explanation