BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my VA loan in XXXX. The servicing was transferred to New Rez/Shellpoint. For some reason, New Rez did not send my monthly condo insurance premiums to XXXX XXXX XXXX my longtime insurer ) until XXXX. I had not idea this was happening, or not happening I should say. By the time New Rez finally sent a check for the premium, XXXX XXXX had cancelled the policy, and now New Rez is claiming I owe them for expensive force-placed insurance. Another wrinkle : In XXXX, a water pipe burst inside my condo, causing tens of thousands of dollars in damage. The condo association policy covered much of the damage, but I owe a {$10000.00} deductible. XXXX XXXX is refusing to pay the claim since they claim a policy was not in effect at the time and New Rez has not responded to my requests that they pay the claim since they were at fault for a policy not being in effect. I would appreciate any help you can provide. I am happy to provide the address of my condo and the loan number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Clark County Collection Service
State: IL
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:
After the XXXX breach, I check my reports daily until the alerts are placed on them. I noticed a new derogatory collection account. The name is Clark County XXXX XXXX XXXX. First of all, this debt was originally with XXXX XXXX XXXX of which an agreement was reached after I filed a complaint regarding their collection actions. I informed XXXX XXXX XXXX that I had a medical emergency in my family where my sister was comatose for 8 days and hospitalized for 53 days. XXXX did n't cover most of the medications, devices, special equipment, etc., that would keep her alive and give a better quality of life. My family and I had to come out-of-pocket for those expenses which cost us thousands of dollars. I called XXXX XXXX XXXX and asked them could they forgive the debt due to this critical situation. XXXX XXXX XXXX no longer contacted me after midXXXX. I looked at my credit report in mid-XXXX, and saw the balance owed at {$0.00}. I assumed XXXX XXXX XXXX forgave the debt as I had asked due to my dire situation. When I looked at my credit report today, I see this collection account from Clark County Collection, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. I 've never heard of nor received any type of correspondence from this company. Just the negative information on my credit report. I tried to phone Clark County of which the phone just rings endlessly and no one ever answers the calls. I 'm trying to purchase a home and need this negative information removed immediately. Your prompt attention regarding this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
( a ) Attempts to resolve this with offshore assistance are futile ... I was disconnected after requesting, then demanding a supervisor. ( b ) Month after month, I have issues with Cap1 having a friendly digital relationship with my XXXX XXXX XXXXXXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. ( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as, faulty product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-08-28
Company: EQUIFAX, INC.
State: NY
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 need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX attempts to contact me regarding a debt that has been paid off already I spoke to sprint and they have notified XXXX XXXX that they do not have collection authority. I have proof that the debt has been paid already. I would like XXXX XXXX  removed from my credit report and all attempts to collect this debt to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Optio Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, I contacted XXXX to have them come out on XX/XX/18 and spray for ants. I paid the initial fee of {$99.00} for the first visit and agreed to quarterly payments of {$120.00} every three months. 
On XX/XX/18, I emailed XXXX at XXXX saying that the ant problem was worse than before they came. She said that was normal. 
I emailed several more times saying I wasn't pleased with their service as the ants were still invading our house. 
On XX/XX/XXXX, I emailed stating that I did not want their service any longer because the ant problem was never resolved. I started getting emails saying that I owed them the {$120.00} for the first quarter even though it hadn't even been 3 months yet AND I paid for the initial treatment. 
I emailed XXXX on XX/XX/XXXX complaining again that I was still getting bill notices even though I had canceled the month before. 
I then contacted XXXX on XX/XX/18 and he basically said I never canceled even though I had a trail of emails showing that I did AND we weren't getting service from them anymore so why would I owe anything. He refused to listen or help with the situation. I have tried to contact him several times more and have received no response. 
In XX/XX/XXXX, I received a bill from Optio Solutions Collection agency for {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I legally changed my name in XXXX of 2016. When my mortgage broker tried to pull up my credit report with Equifax, they were only able to pull up my credit history with my old name, and no new information with my new name. I changed my name with the social security office, my credit union ( where I have a credit card ), and with my student loans servicer and the department of education. I provided my name change documentation since I discovered Equifax has not been keeping up to date records. If you could please help me link my credit history from my old name to my new name. And also discover why Equifax was unable to link the accounts when both the social security administration and my creditors were able to process my name change. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the second time i'm submitting a complaint against TransUnion with the cfpb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: LEXISNEXIS
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:
Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from Lexis Nexis either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from Lexis Nexis. I want them to send the removal notice to XXXX and XXXX to delete these items. 

XXXX has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX  XX/XX/2020 I was unable to open a personal checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2019-02-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a XXXX pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX  HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX HAS DONE MUCH INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
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 filed a dispute on XX/XX/2021 with the following credit bureaus stating that the following items attached to this message did not belong to me and has inaccurately been placed on my account. I requested for them to please remove the items, however, no response. 
The credit companies are not complying with their on company policies within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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 status incorrect

Complaint:
THIS COMPANY IS REPORTING THAT I AM DELEQUENT ON MY PAYMENTS, THIS IS FALSE INFORMATION. I HAVE TRIED TO ADDRESS THIS ISSUE WITH THE COMPANY BUT THEY HAVE NOT RESLOVED THE ISSUE, AFTER SEVERAL ATTEMPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Bread Financial Holdings, Inc.
State: MN
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:
Today XX/XX/XXXX, I talked to customer service about my XXXX XXXX dollar charges for the last the company spokesman at XXXX XXXX XXXX, when asked if they would forgive the 2 fees, sense Im a senior citizen ( XXXX ) on a fixed income and cant really afford this {$60.00} penalty for late payment, they send no. Because I had already used up my one forgiveness and only 1 is allowed. I mentioned my increased confusion and forgetfulness as I age, do you have auto- pay and they said yes. I wish I was made aware of that months ago so I paid my bill on the phone and will set up auto-pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$200.00} XX/XX/2017, {$730.00} XX/XX/2017. I DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Chase lending services that said I requested not to ever have credit consideration. I NEVER did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34  days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem Company : SPECIALIZED LOAN SERVICING problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: MI
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:
State of Michigan keeps reporting that I haven't made a payment in over 120 days I have disputed it 2xs with experience now and they keep telling me state of Michigan is accurately reporting they are not. State of Michigan has been receiving {$81.00} every 2 weeks for at least the last 5 or 6  months as it comes directly out of my unemployment the most recent was Wednesday XX/XX/2021 that they recieved an {$81.00} payment but still claim nothing is being paid and making my credit go down every month and I can't reach anyone at the state of Michigan

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