BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had XXXX in XX/XX/XXXX and was out of work and asked for COVID forbearance with New Rez mortgage for XX/XX/XXXX and XX/XX/XXXX, this was approved, and the forbearance issued was for six months. I was able to resume my regular monthly payment in XX/XX/XXXX. In XXXX of XXXX, I was working with XXXX XXXX from New Rez/Shellpoint to make a mortgage loan modification as I was unable to pay the full 2 months of payment that were in forbearance at once related to a lack of income during my XXXX. I sent her all the information requested, asked if there was any other information she needed, and also asked for a callback. I have left messages with no return calls. I did not receive any further requests via email or phone from XXXX XXXX, assuming New RezXXXX XXXX had all the information needed to get the forbearance modification completed. I now have late reporting on my credit report starting in XXXX until now. I had excellent credit prior to this unfortunate illness and forbearance. If my loan modification was denied or other information was needed, I was not provided with this information or given other options to pay this forbearance amount back. Now, my credit is poor as a result of the lack of communication with New Rez/XXXX XXXX XXXX I have requested that New Rez addresses the credit reporting concerns, and asked how to resolve the forbearance amount, and again am not getting a response, I have emailed and called. I would have to take a loan out to resolve this amount if I had known the modification was rejected, as by no means did, I have control over COVID and again I was not provided with any information. Please help me resolve the issues with the past due amount showing from the forbearance and correct my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Have spent more than a month trying to reverse a transaction with PayPal for the sums of XXXX. The initial transaction was completed on XX/XX/XXXX. Subsequently, the funds have been held is suspension by PayPal for the entire time, and neither the payor nor the payee has access to them. PayPal refuses to either reverse the transaction or release the funds, leaving them stuck in purgatory while, presumably, PayPal leverages the captive funds to earn incremental income on the float. Multiple attempts to reverse the transaction have occurs from both the payor and payee have been attempted, and the responses from PayPal have demonstrated a consistent unwillingness to understand the issue, or work constructively with either party to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was hit by a tornado and our insurance company provided a check for the rebuild which was made out to my husband & me as well as Amerihome for {$170000.00}. Payoff for the mortgage was {$130000.00} Since it was a complete rebuild requiring more than {$170000.00}, we opted to payoff the mortgage and get a construction loan. I contacted Amerihome on XX/XX/XXXX regarding the process to payoff, which included sending a statement to the claims department stating that we wanted to use the funds to payoff the mortgage along with a payoff statement. I was told the surplus funds would be returned to me in the mail via check. I followed the exact instructions. I received the payoff statement on XX/XX/XXXX and sent all required documents along with the endorsed check via 3 day priority mail. Per USPS tracking, they should have received the check on XXXX. As of XX/XX/XXXX, the loan has not been paid off and no one can give me information on when it will be complete. I have called customer service 3 different times, being transferred back and forth between Mortgage & Claims multiple times. I am unable to access the claim on their insurance website -- I was told that is because it's a payoff. I have filed a complaint online with XXXX -- someone from XXXX left me a voicemail a week ago but I have tried to call them back twice & left voicemails with no response. I am told by the Claims department that I must contact Mortgage ; however, the Mortgage department directs me to Claims. I requested to speak to a Claims supervisor. I was told one would call back in 24-48 hours. A Claims supervisor ( XXXX XXXX XXXX called back after the 48 hour deadline and left a voicemail lecturing me that I needed to speak to Mortgage only and did not leave me a number to call back. I have tried the online chat services and have been told that they can not provide me with information. On XX/XX/XXXX, I spoke with someone named XXXX in Mortgage customer service who stated that the funds were in the final stage with the Pay-Off Department and would be complete that day. He stated that I should receive an email as well as see the change in my online account. As of XX/XX/XXXX, it still states that there has been no pay-off. I just spoke with Customer Service again and she stated that has never seen anything like what is going on in my account and that she can not provide me with any information -- only Claims can do that. My request to speak with a supervisor at that time was denied and I was told one would call me back within 2-3 hours. I did not receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XXXX I booked a trip through XXXX airline I had caught XXXX couldn't make the flight XXXX said I was a no show and took the money out of my account I gave my bank which is capital one documents from the XXXX representative stating it was over 30 days therefore nothing that they can do on they end capital one received that document as well as a discharge from the hospital when I was admitted due to XXXX they are refusing to give me my money back and keeps wanting me to reach out to XXXX where it's been 90 plus days since the booking XXXX no longer can assist me capital one has documents stating what I'm saying is true and they have yet to return my money back to account which is over 300 for a flight I never got on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX. After a period of time, my student loan was placed in Administrative Forbearance. When I called about the forbearance I was never given any information other than it was categorized under a bankruptcy code. As of XXXX, the {$15000.00} loan has accrued {$21000.00} in interest. I just found out 3 days ago that my private loan was part of a class action lawsuit that I never knew about. After calling several times asking for details regarding this class action lawsuit the representative couldn't provide a case #. Not only has the communication been poor from Navient on my account, but it has been mismanaged. This is the worse company I've ever had to deal with. There's no relief for consumers that had private loans facing financial hardships. All this has done is put me in further debt because of bad communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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: Information belongs to someone else

Complaint:
someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Colony Brands, Inc.
State: AR
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:
XX/XX/23 I submitted a dispute for Ashro company {$430.00} which close my account and sold the loan. I asked them to update my information by taking this info off because loan no longer belong to this company. They reported back to me that I couldnt disputed it again and it wouldnt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ID Analytics, Inc.
State: GA
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:
i am a victim of identity theft i have some unauthorized fraudulent inquiries listed on my report.see attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
State: MO
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 applied and was approved for a Discover card. Once I received my card and activated it, I was contacted by a department in Discover called account verification. They requesting additional information regarding my account and my account was put on hold. A few days later, I received an email stating they were closing my account because they couldnt verify my information. 
I never used the discover card and now I have a balance and they are reporting me as 30 days late on my credit report. 
To my knowledge my account was on hold then closed, at no time in between was there a chance for me to use the card. 
I called several times to try and resolve this with Discover as they said I was responsible for the charges although I didnt make them. I explained that they were the ones who put the hold and closed my account before I even got a chance to use the card. 
I never used my Discover card to make purchases. Discover is unfairly and inaccurately reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: NY
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:
So I had a credit card purchase denied today on a Citibank branded credit card. I logged onto my citibank account and saw all of my credit cards and my wife 's credit cards closed. In addition XXXX citi thank you points, {$710.00} in cashback ( and based on the credit cards terms I should have a bunch more they just posted ) {$200.00} in cahsback, and another XXXX in citi thank you points were gone from my account. I received no email or letter regarding this. 

I called citibank and the representative confirmed my accounts were shut by the bank, they claimed an email was sent on XX/XX/XXXX ( it was not, I have nothing in my inbox or my trash and the representative confirmed my email is on file ). He also claimed i am losing all of my points and cashback, and said he can't discuss this over the phone and didn't give me another options saying possibly a letter will come in the mail and maybe I can respond there. Regardless on the citibank website it told me to call the number I called, so it seems they are giving me a runaround. 

I would definitely like to get my points and cashback, like to know why they shut all my accounts and if possible get it reinstated. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is from XXXX almost 10 years old. I have attempted to settle with this company and they refuse to respond. Each time the debt is challenged and removed from my credit record, they place it back on there with a new date that is inaccurate. The debt now says XXXX, and that's not true, this debt is 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: AZ
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:
The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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: Account information incorrect

Complaint:
I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on XXXX and on Equifax it states the date is XX/XX/XXXX. XXXX shows the account as Open and Equifax shows it as Derogatory, these are inaccurate entries. XXXX also shows the last payment was XX/XX/XXXX and Equifax shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both XXXX and Equifax to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: SC
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-12
Company: Experian Information Solutions 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:
As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.

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 2021-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I reached out to Portfolio Recovery Associates and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-13
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: Account information incorrect

Complaint:
EXPERIAN is reporting an account XXXX XXXX XXXX XXXX with an abbreviated name and account number. This is incomplete information which is forbidden by the FCRA. In addition EXPERIAN continues to claim this account is verified however I never received cash or a loan so there can be no debt reported to my consumer report. Lastly EXPERIAN is reporting a balance of {$6900.00} on a closed account and they are reporting marks of a charge off on my payment history when the account is closed. These are all willful violations.

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