BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amount deducted from escrow account for property tax payment is different to the amount actually paid to Tax Collector. Lender stated on prior complaint 's response letter that they needed until XX/XX/19 to resolve the issue. Deadline has passed and lender has not resolved the issue. Escrow account still shows incorrect amount of payment made to Tax Collector for property tax and it has not been credited for the difference, {$660.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: AL
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:
Each time I call Equifax and XXXX and dispute an item or send them a letter asking them to provide me specific documents verifying my account, they lower my credit score. I have paid all my bill on time and even paid nearly {$8000.00} on one account in XXXX. My credit score should be increasing rather than decreasing. I have approached both agencies about this and they can not give me an answer. I am on the phone hours at a time trying to resolve the problem with my credit score and they are refusing to fix the problem. I did not have any negative reporting to make my credit score go down as low as it has. I have attempted to resolve this problem with both credit agencies and they have failed to attempt to make things whole and right in the matter. The agencies can not even tell me what caused my credit score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, Equifax and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact Scott & Associates via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
All three credit reporting agencies ( Transunion, XXXX, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).

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 2021-02-20
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1. In XXXX I missed one or two months of payments due to a medical condition that resulted in 2 hospitalizations. These missed payments have caused my score to be dragged down for years. 
2. XX/XX/XXXXXXXX told me to open more credit cards which I did and this dragged my score down. 
3. I paid off a new XXXX XXXX XXXX via XXXX XXXX and it is not on my record. I have contacted them and you and they do not respond. 
4. I own my home and paid off another. This is not reflected in my score and Im told nothing can be done about that. However, it is held against me b/c real estate is not in my credit report. 

FICO scores do not work unless you are upper middle class and above and have the time and money to dispute things. It is an inherently biased system that disadvantages people who are older, as well as other disenfranchised populations..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with NewREZ company for my home. I have this house from XX/XX/XXXX. As a part of loan amount I pay about {$170.00} in Mortgage insurance. Around XX/XX/XXXX I requested for PMI ( mortgage insurance ) waiver since the home has appraised over the years. I was asked to sign a document and sent it over authorizing the appraisal to be done. I have done so and sent back the document by XX/XX/XXXX. 

I have been following up with the costumer support regarding this issue and I have not received any clear direction. At one point I was told that they are processing my request but I have not received any updates at any point of time. I made the last call 3rd week of XXXX and costumer support agent mentioned that I need start the request process all over again. 

I was never informed in my previous phone calls that they have not received documents or asked me to re-send the documents. This delay in responses and lack of follow-up from the loan company has costed me {$2500.00} ( $ XXXX15months ) in PMI.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: FBC MORTGAGE, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 we signed a contract with XXXX XXXX, with the obligation to do business with FBC/XXXX  mortgage company. If we didnt get the loan FBC/XXXX  we will not get the house. Or so we thought. 
We were harassed into selling the house and paying off the car. 
We supplied all the paperwork. 
We believed that they will honor a FHA loan but they are not interested in complying with it and all they have done since XXXX is prolong the process, hindering, lying, deceiving, a XXXX score credit is not good enough. 
We had spent about {$20000.00} that no one is going to give back!! 
We believe them! 
They DONT give FHA loans!!! 
Even though they offer them!! 
They harassed us, pushed us, laughed at us, because they knew that they were going to be able to get away with it. And that NO ONE in this XXXX forgotten Country was going to do anything to stop them!!! 
We are homeless, my childrens college money down the drain, just because we believed. 
I feel like the jelly bean test again, where no matter the answer, no matter how many times you try, you still a loser!!! 
XXXX XXXX, FBC loans, and XXXX Homes are to blame! Pulling the credit until is useless!! XXXX credit score takes you nowhere, and to bring it back up take decades!! 
But they know the game and how to play it, because while their greed is controlling them ; we, my family and I are homeless. 
Shame on you USA!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CNG HOLDINGS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: V and H Portfolio
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2018, after checking a copy my credit report I realized after several accounts were listed on my report that was established without my knowledge or consent it was apparent I had become a victim of identity theft. I then immediately contacted my local law enforcement to file a police report as well as three major consumer reporting agencies. One of the  accounts in question was XXXX XXXX which since has been blocked and deleted from my credit file. I recently have received two letters from a company named Vance & Huffman XXXX XXXX XXXX whom I have already informed that this account was the result of identity theft. Vance & Huffman continues to send me letters demanding payment for an account that was established without my consent or knowledge. In addition, Vance & Huffman is in violation of the Fair Debt Collection Practice Act by continuing to collect on an account that never belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: JPMORGAN CHASE & CO.
State: NV
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:
I have XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX and XXXX XXXX. I had my XXXX XXXX VISA for over 10 years, and I paid the balance off earlier this year. I had XXXX recently and I have had a difficult recovery. Apparently, the annual fee was charged in XXXX, and I missed the statement email saying that. On Saturday, XX/XX/XXXX, I got an email saying that Chase closed my card because of this. I immediately called, explained my situation and that I could send them proof from my doctor and said Id be happy to pay the annual fee but asked if they could please reopen the account. I was told no because Im now considered a risk to the bank. Seriously? A risk to the bank? How? I spoke with three levels of Supervisors who all told me the same thing. Im so upset. I cant believe they wouldnt understand a serious medical issue after all of my years with them and that I was obviously a good customer because I had a {$19000.00} credit line on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX- No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!

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 2020-11-06
Company: EQUIFAX, INC.
State: WA
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 {$1200.00}, {$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 ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX 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 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have University of XXXX do an Validation fo Debt.

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 2019-05-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My sister gave me a check to cash out from her back which is XXXX XXXX, I went to Citibank ( my bank ) to cash it out but the cashier told me I had to deposit it first and after she deposited she said I was only able to take out a small amount today, which she didnt inform me about before depositing the check at all ( the whole check was for {$5000.00} ) I need this money tomorrow ( XX/XX/19 ), because Im buying my mother a car, I even went to the branch to reverse it and they couldnt do it because the manager wasnt there. Im located in XXXX, Florida. Please help me with this, this happened on XX/XX/2019

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 2019-05-17
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: Account information incorrect

Complaint:
I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I received funds that allowed me to pay off my credit with PayPal which was {$650.00} at that time. However, I paid for an additional purchase ( {$70.00} ) on XX/XX/XXXX after paying off my credit on XX/XX/XXXX. On that day ( XX/XX/XXXX ) I had another payment of {$620.00} scheduled for the XXXX by complete accident, assuming the higher amount ( {$650.00} ) would overwrite it. It did not and I ended up overpaying when I should've just added an additional {$30.00} to the payment. I paid off my credit with PayPal, but their system showed I was " + {$620.00} '', over the credit line. It was refunded to my bank when I called and told them that I sent that additional payment by accident, but then they tried to take it out of my bank themselves on XX/XX/XXXX. That money was never meant to go to my credit with it being fully paid off and at XXXX, and after my bank refused that attempt, they put the money onto my credit and are wanting me to pay them what they returned to me. I have not purchased anything of that amount, and it was stated that apparently the reason why they refuse to remove that invalid amount is because " it was my bank 's fault and they shouldn't have canceled it '', making it seem like I owed them {$620.00} when my credit was fully paid off ( with the single other payment of {$70.00} ). If I had known that overpaying would cause this chaotic situation, I would've never sent the {$620.00} in addition to the {$650.00}, and would've just send an additional {$30.00} instead.

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