BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez had the mortgage on my home. I paid XXXX XXXX {$810.00} Home owners insurance on XXXX. Therefore my homeowners insurance was paid. XXXX said NewRez submitted {$810.00} from escrow. XXXX returned the check to NewRez Therefore there should be at least a {$810.00} overage in escrow. I informed NewRez of this overage and this is the response from NewRez. Claiming to send a check to me on XX/XX/2019. How could they refund my overage on XX/XX/2019 if there was not an overage until XX/XX/2019? I never received any check from NewRez for the excess escrow. I have all document to backup my statements. If NewRez have a copy of a received check I cashed please provided a copy. 

" RE : Subject Property : XXXX XXXX XXXX, AL Reference Number Loan Number : Dear Mr. XXXX : This letter is in response to your recent inquiry regarding the above referenced loan. NewRez LLC ( NewRez ) began servicing the loan on or about XX/XX/2019. Your refund was sent to you XX/XX/2019 in the amount of XXXX. If you have any additional questions or concerns, please contact our Customer Service department at XXXX. 
XXXX XXXX Department NewRez Servicing XXXX ( p ) XXXX ( f ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never gotten any bill saying i owe this debt. All my medical bills in pass were covered by Medi-cal. This debt appeared on my credit score from collection agency CA BUS BUR. And has been since 2012.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: NY
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:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: OH
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 reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX'>< XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, 'XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX 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 have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, 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:
I am a victim of identity theft. I have submitted the proper documents to Equifax credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act section 605B. I submitted identity theft report on XX/XX/2019. However the following accounts have not been blocked from my credit file.Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 day after receiving the identity theft report. Equifax has not blocked the following accounts from my credit file. It has been over two months since I sent Equifax identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Equifax on  XX/XX/2019, along with a copy of Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Equifax has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I created an account on www.equifax.com/fcra to manage my credit freeze. I tried to do a password reset. That's how I discovered a bug in the password reset process. The reset link doesn't reference a page which allows you to enter a new password : instead, it references a page which asks for your email address and password. 

I called customer support for a credit freeze 8 times over 4 days. I used both of these numbers : XXXX or XXXX. My request for help was never escalated to someone who DID, IN FACT, reset my password. 

Reps would tell me that they could only reset my password if I volunteered the following data over the phone. Name, full social, birthdate, phone numbers, home address, mortgage provider, monthly payment, credit card provider, total balance due or monthly payment, employment data, etc. This struck me as coercive. I answered several questions to verify my identity, then pointed out that the reps COULD CONFIRM that I had already created an account on www.equifax.com/fcra. I wouldnt be able to create an account unless I'd ALREADY answered those questions. SO WHY WERE THEY IMPLYING THAT THEY COULD ONLY RESET THE ACCOUNT IF I ANSWERED THOSE QUESTIONS USING A PHONE LINE WHICH MIGHT BE INSECURE? None of the reps I spoke with answered this question. 

NOTE In XX/XX/XXXX, I had used a phone-based system to place a credit freeze with Equifax. I got a pin, but never received paperwork from Equifax confirming that the freeze was in place - and that it had never been lifted without my permission. All of the other credit bureaus with which I placed a credit freeze provided confirmation of the freeze IN WRITING. except EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Dispute report # XXXX for XX/XX/19 Capital One Credit Card page 3 of 10 ND showing for the month of XXXX and payment was made on time. XXXX shows ( ND ) No Data as payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.

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 2019-08-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX XXXX  Equifax XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX XXXX - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
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 am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I have Portfolio Recovery Associates harassing me for ouststanding debt that is over 9 years old. The  debt was not discharged in bankruptcy but written off due to the age of the debt. The debt is not on ANY credit report for me. The debt was never originally owed to Portfolio Recovery Associates but that has not stopped the harassment. When Portfolio Recovery calls me they reference my address from 8 years ago. Why are they allowed to harass me 5 or 6 times a day from different phone numbers for debt that has been written off. The debt has been written off by the original creditor. Why is Portfolio Recovery Associates allowed to harass me in an attempt to revive an old debt that was written off almost 10 years ago?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have submitted the proper documents to Transunion credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act 605B. I submitted identity theft report on XX/XX/2019. However, the following accounts have not been blocked from my credit file. Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 days after receiving the identity theft report. Transunion has not blocked the following account from my credit file. It has been over two months since I sent Transunion identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Transunion on XX/XX/2019, along with copy of the Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Transunion has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.

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 2020-02-06
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I had a complaint against XXXX XXXX XXXX ; filed a complaint and had my problem resolved and I have a letter from XXXX  XXXX XXXX to forgive me of the HELOC XXXX along with a Identmification Lost Note Affidavit. Because my lender has changed three times and have not removed the second mortgage, they sold my loan to another lender company ( XXXX XXXX ) who did not enter me into their system correctly and are trying to collect the money that needs to be removed. Since then, my loan was sent to a collector, who sold my loan to a third party and is holding my home. While these deals are being made, I have submitted a claim with my lender before they filed chapter XXXX and sold my loan. To date, I need my 2nd mortgage removed and remain with my first mortgage and work with my new lender, XXXX XXXX. 

According to bankruptcy payment, I payed XXXX, which is to be applied to my first mortgage. Currently, as of XX/XX/XXXX, I am 6 payments behind. However, if they apply my XXXX towards my principle interest for my first mortgage, I will not be behind and my 2 nd mortgage will finally be removed. Because mortgage companies can sell your loan based on numbers, they do not realize that the individuals may have circumstances that can repair their account. Outside collection agencies, do not have the ability to see arrangements that were made and they take advantage of the accounts because of " greed. '' According to a XXXX XXXX Rep in XXXX, I was told that my loan was sold to a private investor which is why I was able to get this resolved by XXXX XXXX XXXX. Since then, I have discovered through an attorney that my name may be attached to other properties, so I have concerns that their may be some frauderalant activities involved ( please see attch ). I currently have a complaint with AG and working with attorney. Because I was involved with a claim which was involved with litigation, I need to have sale espunged because note was not legally transferred due to affidavit.

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 2020-02-06
Company: Experian Information Solutions Inc.
State: IN
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 have an Dept of EdXXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of EdXXXX verified the late payments as accurate. I received a email from Dept of EdXXXX on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.

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 2020-02-06
Company: EQUIFAX, INC.
State: IN
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 have an Dept of Ed/XXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/XXXX  verified the late payments as accurate. I received a email from Dept of Ed/XXXX  on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: PA
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:
I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from Equifax regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: TN
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:
They removed all the items associated with the bankruptcy except for the bankruptcy.

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 2020-02-06
Company: Peritus Portfolio Services II, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact XXXX, which l did on XX/XX/2020 who told me they will reach out to Peritus, in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as XXXX tols me it is not in arrears and that also they told me Peritus has not sent over payment l spoke to XXXX a supervsior at XXXX. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called XXXX and they told me it is not in arrears and that they will also call Peritus as Peritus has not been documenting in my account and XXXX said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. XXXX told me they have never reported, my discharge date to them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: Dream Center Education Holdings
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX University is being held in receivership for what is at best, incompetence regarding money management and at worst, fraud. The semester began XX/XX/2019 and it is now XX/XX/2019. Financial Aid has not been disbursed to the students, but remains in the school 's accounts while students are told that disbursements will happen " this week '' and then the next week. I am XXXX XXXX in XXXX. This is unacceptable. My loans are accruing interest while they remain in XXXX 's account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been struggling with this company to remove late fees from my account, as I was taking care of myself and my family due to COVID-19 hardships. In the history of my payments, I have always been on time, but this company has been indiscriminate, without paying any attention to the transactions being posted as Late Fees on the same day as the due date. My payment due date was XX/XX/2020, being the XXXX of every month ; and they slammed me with the late fee on the same day, even though my statement closing date is XX/XX/2020, the XXXX of every month. Based on the simple principle of accounting, no late fees should have been charged and put on my account until the statement closing date. But this is not the case. They are charging {$40.00} and adding it to my balance.

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