BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my second complaint on this website against Shellpoint mortgage servicing. The first complaint { XXXX } was issued on XX/XX/XXXX. Shellpoint replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report. 
Today is XX/XX/XXXX, Shellpoint has done nothing. Shellpoint is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed Shellpoint that I am attempting to purchase a new home, and I need the lateness 's removed. Shellpoint has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done. 
If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up. 
Attached please find Shellpoint 's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-12
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 3 to 4 calls a day from this number. Most of the time, they hang up. When I speak to a person I have explained to them that this debt is from an account I had in 2017. Also I explained this account is part of a program I have with a Debt Management Program through XXXX XXXX XXXX. I told them they are not supposed to be contacting me. They keep calling and when I asked to speak to a supervisor, he threatened me and told me they were going to sue me for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
There was a large payment made on the account and shortly after this the account was closed. Its very sketchy that discover card took this payment and then determined the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Wells Fargo to resolve a complaint about interest charges due to an issue of Wells Fargo not debiting my account for the credit card fees. Wells Fargo fixed that issue and offered to set up automatic payments for my credit card so this issue would not arise again. I agreed. 
six months later while reviewing my bills I realised that I was being charged monthly interest. On contacting wells Fargo they told me they automatic payments have been set up for the minimum amount due and not the full amount. when setting up the automatic payment, I was not provided with this information.

I have requested Wells Fargo to refund the interest charged for the seven months as the minimum payment was set up without my authorization either by mistake by wells Fargo or maybe intentionally to earn unnecessary interest. 
It should be noted that there is no easy way for setting up automatic payment online at the Wells Fargo site, nor is the information that only minimum payments are being chrged clearly shown on the online credit card statement. 
It was only when I downloaded the PDF statements was I able to see and understand what was happening.

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 2023-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 2019-01-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I refinanced my student loan debt with Navient ; at first the total payment each month was reasonable. However, after updating my account ~ 6 months after my loan closed to add direct debit, they increased my interest rate. At the time, I was very young and despite multiple calls to refute the increase citing that the only thing that changed was adding a direct debit which was, in fact, a bonus for them, they refused to change the rate. Now, ~10 years later, after actively reading up on on predatory practices performed by these vendors I realize I was a victim. My goal in reporting this complaint is simple - I want the original rate honored and the over payment Navient has received in error to be applied to my account. I am lucky enough to be able to pay for my loans each month ; I am disputing that. However, I grew up in extreme poverty and loan debt was the only way for me to achieve my college dreams. I had no financial support and no guidance and was taken advantage of by this company. Now as an adult, I am outraged. In the grand scheme of things my issue is not as egregious as some cases I have read about, but it was unethical and predatory and should be addressed. 
I currently owe {$30000.00} on a {$50000.00} loan -- they have received over $ 20K in principle to date. I have been paying on the loan since XX/XX/XXXX. I did take a grievance period in XX/XX/XXXX-XX/XX/XXXX due to a high expense for dental work that I could not afford and was not covered by insurance due to the problems typically being addressed in adolescence. I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a house in XXXX and was living in XXXX when my loan was sold or given to Nationstar. During that time of my loan going to Nationstar my 2 payments were sent back to my checking account and I was behind on my payment and not aware that they had my loan until then. I had to call the old mortgage company to find out who had the loan and I caught the payments up. But at that time they had sent someone to the house and they ripped the glass storm door off the frame and the door is no good and the front door has to be re-framed and a new glass door had to be bought. Then the person went to the back door and changed the lock and broke the frame where we had to re-framed because the door knob would n't even keep the door closed. 
We moved back in the house XX/XX/2015 and have made calls everyday about what they were going to do about it. They have told me that they are checking into it and will advise me the out come and it been over a month. 
I have spent over {$1500.00} to buy a new door and reframe both door and they charged me for the person to come and destroy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX  XXXX  XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.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.

15 U.S.C. 1681s-2 ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
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 is missing that should be on the report

Complaint:
In XXXX of XXXX I opened a XXXX credit card with TD Bank. Since then I have had exceptional payment history thats not being reported by XXXX. 

I reached out to TD Bank and they told me they are reporting this account to XXXX. 

XXXX is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I had a cash withdrawal that was drawn out of two separate checking accounts in the amount of {$9500.00} and unauthorized by me, these were reported to the Bank of America fraud department within a few hours. On XX/XX/XXXX another 2 cash withdrawals were taken out of XXXX separate checking accounts in the amount of {$5300.00}, again unauthorized by me. Bank of America was again contacted within a few hours and gave me a case number and said they would investigate. 

After no correspondence about how the investigation was going, I went to the bank on XX/XX/XXXX to ask about the status of the original claim and to ask for a temporary credit, since I read it was customary for the bank to provide a temporary credit after 10 days. The bank representative told me that there were not a lot of notes on the case and the fraud department representative said they could not give me a temporary credit because of the nature of the withdrawal ( cash/check withdrawal ). 

On XX/XX/XXXX called the fraud department again asked for the status and a temporary credit. This time was told I was not able to get a temporary credit because the withdrawal slip that they pulled was not legible. This representative told me it should be resolved in the next few days. After hearing no updates, went into the bank in person on XX/XX/XXXX and was unable to talk with the fraud department because they were closed and the bank representative was unable to do anything since there was a freeze, lockdown on all the accounts.

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 2021-09-02
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:
Last XXXX I've sent disputes to credit bureaus about the issue that my account was fraudulently used without my permission. I was so stressed over the months now I got a low credit score!. I need help to solve this issue.

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 2021-08-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I did not authorize my personal medical information to be shared by the orginal company XXXX XXXX XXXX XXXX shared to 3rd party debt collector. This is a direct violation of my rights through a hippa violation and I want this deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: MD
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 Equifax data breach has not been addressed. My social secuirity number and other personal information is currently held by an unlawful organization and this puts my security at risk. It is unacceptable that there has not been a coordinated response by the US government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CarFinance Capital LLC, Irvine, CA Branch
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX : purchased a XXXX XXXX XXXX along with a GAP ( Guaranteed Automobile Protection ) Debt Waiver Addendum priced at {$500.00} from Car Finance. 

XX/XX/XXXX : Refinanced with XXXX XXXX. Was told that they do not sell GAP. Received communication that a check was mailed to Car Finance. 

XX/XX/XXXX : Leased a new XXXX XXXX while relinquishing the XXXX. Was told at this time that I may be due a refund concerning the GAP. 

To date I have NOT received a letter from Car Finance stating that the loan was paid off. Per XXXX XXXX, I need that letter to receive the refund which was originally due to me when the loan was paid off by XXXX. 

I have called Car Finance, XXXX XXXX  ( the company they merged with in XXXX ), XXXX XXXX XXXX ( original dealer ), XXXX XXXX. The last I heard was that Car Finance has put this in the laps of XXXX XXXXXXXX XXXX consumer advocacy department. It's been three years. How much longer do I need to wait on this?

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 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE ASKED TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS. WHY DO I STILL SEE IT ON MY CREDIT REPORT?? 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Real Time Group, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXXXXXX XXXX XXXX and then REALTIME RESOLUTIONS took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, REALTIME RESOLUTIONS keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX SIMPLE was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.

Company response to consumer: Closed with explanation