BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XXXX of XXXX, I used my Comenity Bank credit card at XXXX XXXXXXXX to purchase some merchandise for {$210.00}. In XX/XX/XXXX, I made payment of {$51.00}. Then, in XX/XX/XXXX, I made a payment of {$50.00}. My husband was laid off from his job, so I contacted the card company to try and make arrangements. I don't remember verbatim what was said, but essentially the company didn't care and stated that the payments were still due and would not waive any fees. I then tried my best to make payments when available and in XX/XX/XXXX, I made another {$50.00} payment. I couldn't in XXXX as he was still laid off and then in XX/XX/XXXX paid another {$37.00}. I discussed with them in XX/XX/XXXX that I had previously called and attempted to get them to work with me because the balance was still {$140.00}, after making a total of {$180.00} on an original amount borrowed of {$210.00}. I was frustrated that Comenity Bank was not willing to work with me and I gave up making payments. I understand that late fees and interest can occur, but I was attempting to work and they were not budging. Their late fees are extremely high and needless to say I won't be utilizing Comenity Bank again. In attempts to repair with them and settle, in XX/XX/XXXX I contacted them to learn they had sold my account to XXXX XXXX XXXX for {$1100.00}. I contacted XXXX XXXX XXXX and Comenity Bank at that time to again try and make payment arrangements and have them removed from my credit. I was on the phone with Comenity for a total of 2 hours, was hung up, transfered to wrong departments and everyone stated that I couldn't either file a dispute with them or speak to the office of the president because my account was sold. However, Comenity was still reporting negatively to my credit. In XX/XX/XXXX, I attempted to call XXXX XXXX XXXX and speak to my account manager XXXX XXXX. She stated she could settle for a total of {$450.00}, but could not remove anything from my credit and that I would need to speak to Comenity. I called Comenity to speak to a total of 3 people, one of which was a supervisor by the name of XXXX and he stated he couldn't do anything because he didn't have my information it was sent to XXXX XXXX XXXX. He stated that he couldn't pull up my balance or payment history or anything, yet Comenity Bank is still reporting to my credit, so they are withholding pertinent information from me. No one at XXXX XXXX XXXX, nor Comenity Bank, would give me information as to the original balance or payment information. I had to retrieve that information from my credit report. At the very least, Comenity is price gouging, not to mention their horrible lending practices. I am attempting to settle this issue and fix my credit report, but I am NOT willing to pay {$1100.00} for an amount that I owed {$23.00} left ( $ XXXX {$180.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: OK
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 am contacting you because I found some information that is inaccurate on my credit report. The date of last active you are reporting for the below accounts dont match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : Account Name : LVNV Funding LLC Account Number : XXXX Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. This report is also has a late payment status of 120 days and its in collection, and high credit limit is missing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX XXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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:
I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Waypoint Resource Group, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I checked my credit report on XX/XX/2022 because I got a email Alert stating I have a new collection account via XXXX. I opened my XXXX account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my XXXX account so no more fraudulent activity would take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Debt was already on my credit record since 2014 and was removed two - three months ago, now they have added it back on. Since it has been more than 6 years for them to collect and was removed previously I do not owe it and it needs to come off my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was trying to get a free credit report from TransUnion and they charged me XXXX for a membership that I did not sign up for. A free credit report is all that was advertised.

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 2018-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited the property from my brother and the title was transferred/closed in my name. The mortgage payments were {$450.00} per month XXXX XXXX. The taxes, insurance, mortgage was in my name. I paid the mortgage without a problem. The loan was transferred to SPS servicing in my name and I continued making payments. I received a notice that my payments would be increased to {$1300.00} XX/XX/XXXX for increased property taxes. I attempted to work with SPS to resolve this issue and was told I could modify the loan. I begin the modification process, ( paid {$1300.00} XX/XX/XXXX last payment ). Suddenly in the middle of the process SPS refused to communicate with me stating I did not have own the property. All my telephone calls, emails, and a complaint letter went unanswered for months. I hired an attorneyXX/XX/XXXX and SPS would not return his calls. My ownership was never challenged with XXXX XXXX or SPS until I attempted to modify my loan. Meanwhile SPS started foreclosing. My complaint is SPS purposely refused any communication with me from XX/XX/XXXX to now to purposely foreclose on my property. I am a disabled senior living in the property. I need help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello - I tried to dispute the auto loan - NissanXXXX XXXX  XXXX XXXX, TX XXXX twice already due to my divorce. My name is no longer associated with this lease, yet Nissan is disagreeing. In the attached document, you can find the release from my ex-husband. To my knowledge, he no longer has this lease on his credit as he returned the car, too. This is affecting my credit, and I am not liable for this account. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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 HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.

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 2019-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Without my consent or permission, Equifax put Fraud Alert - Causing unbeliveable Troubles for me. Furthermore, I repeteatedly asked this Fraduster to remove the Fraud Alter. Equifax Refused. Then Refused to provide my credit report when replied to their Fraud Altert. What a bully! Equifax want

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attached letters from Capital One. Capital One closed the accounts on XX/XX/XXXX due to theft and the subsequent fraudulent payments. Capital One then charged off the accounts in XX/XX/XXXX. Then On XX/XX/XXXX, Capital One stated We are pleased to inform you that your dispute regarding the account balance on your Capital One account has been resolved in your favor. We have credited your account. Then starting in XX/XX/XXXX, Capital One claims they found no signs of fraud and the denial of fraud continues to this day. And then one card was sold off. Why was just one card sold? 
I do not understand. If accounts were adjusted due to theft and fraud ; why was fraud denied? And why were cards adjusted after charging off? I was not given the opportunity to continue paying the card debt that was mine? I could not and can not afford the lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove XXXX XXXX XXXX XXXX, XXXX XXXX

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 2021-04-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Needed to get removed wrong names, addresses and phone numbers.

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 2020-10-23
Company: EQUIFAX, INC.
State: MS
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:
There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
missing a payment by a few days shell points auto attendant is a nitemare calling as many as dozen times a day usually with someone that can't speak good English and refuses to identify themselves told them covid has affected my work past 12 weeks and now just a few days late they are pest asked them as to not call will make payment within couple weeks and will be caught up to date still call dozen times or more to home and work site ( which I am no longer there ) and leave messages with operators urgent personal business must call immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
2ND COMPLAINT, 1st complete rebutted by PHH and no follow through via CFPB XX/XX/XXXX requested a VA IRRRL ( Interest Rate Reduction Refinance Loan ) refinancing through PHH, was told I qualified for the IRRRL but needed thousands of dollars toward this process. XX/XX/XXXX submitted request for mortgage assistance and prior to falling behind with my mortgage payments, response given, causing mortgage payment amount to increase significantly. XX/XX/XXXX submitted second request for mortgage assistance. Proactive efforts exercised to avert being delinquent with mortgage payments, negatively impacting my credit and additional financial obligations as evidenced by late fees.To date request for additional modification not provided. 

Interesting PHH is very thorough about my legal ability to speak with them, but not so thorough in that PHH paid 2 homeowners insurance companies. 

-Both insurance companies were paid, XXXX and XXXX XXXX even though XXXX XXXX cancelled XX/XX/XXXX. 

XXXX XXXX XXXX began XX/XX/XXXX ; XXXX XXXX the information of this change. 

-I was told the reason for this increase is because the taxes increased, even though I have fixed taxes because I am a XXXX XXXX XXXX   XXXX. I provided all of this information to PHH in XXXX. 

-It took PHH close to a year to address this change. 

-Resulting in 2 separate payments for 2 different homeowners insurance companies and then reporting to me that the increase was because of taxes. 

Per a previous settlement agreement PHH continues to present the following deficiencies in servicing, foreclosure, loan modification, and other loss mitigation processes. 

Per the following : WHEREAS, on or about XX/XX/XXXX, the State Mortgage Regulators, as coordinated by the XXXX, commenced a multi-state mortgage loan servicing examination ( the Multi-State Examination ) of PHH covering the period of XX/XX/XXXX to XX/XX/XXXX, in order to determine PHHs compliance with applicable State and Federal laws and regulations, financial condition, and the adequacy of policies and procedures and the control and supervision of the licensed mortgage loan servicing operations. The Multi-State Examination was conducted by the State Mortgage Regulators from the states of Arizona, Georgia, Louisiana, Massachusetts, and New York. The Multi-State Examination of PHH was conducted pursuant to their respective statutory authorities, and in accordance with the protocols established by the XXXX/XXXX Nationwide Cooperative Protocol for Mortgage Supervision as well as the Nationwide Cooperative Agreement for Mortgage Supervision. A concurrent mortgage servicing examination of PHH was conducted by the Florida Office of Financial Regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation