BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with Bank of America ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.

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 2021-05-08
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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 HAVE SEND IT PAPER WORK AFTER PAPER WORK AND THEY WONT REMOVE THESE ACCOUNTS OR INQUIRES OFF MY REPORT THESE ITEMS ARE NOT MINE I HAVE BEEN A VICTUM OF MAJOR ID THEFT ... PLEASE HELP ME GET THESE ITEMS OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Shellpoint Partners, LLC
State: IA
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:
my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
Shellpoint Mtg. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( SHELLPOINT MORTGAGE SERVICING - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. XXXX  took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan inXX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently XXXX  dies not care enough to really investigate the facts. I also have documents stating shellpoint tried to get a relief from stay and had to withdraw. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have requested Equifax XXXX XXXX to lock my personal information by certified letter and to this day I have not received a response. I have never given this company any written or verbal permission to access my personal data and distribute it to employers, third-party solicitors, or any private entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Third party vendor that didn't have my permission or legally able to collect on behalf of the original creditor has constantly reported negatively to 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX  XXXX - Account # XXXX and XXXX  XXXX - Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company 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 2019-10-26
Company: SUNTRUST BANKS, INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-26
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR/MR COOPER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, Upgrade.com tried to take my monthly payment out of my account. It failed. On the XXXX, they electronically tried again. It posted. On the XXXX, they electronically did so again. It posted as well. So I missed one payment, and they took two as soon as I got paid. 

I chatted with them, they said that I made one payment which I did not. I forgot cause I'm scatterbrained, hence auto pay. They will refund it up to 14 days. I do not have the money needed now to pay my rent. 

You get a personal loan for help, you miss a payment and they smack you on EACH CHEEK for doing so. Then tell you that you have to wait half a month for your money back and never address truly what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY 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 2018-10-04
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: Personal information incorrect

Complaint:
the former address in my XXXX credit report appears two times. the second time appears as multifamily.

Swapped addresses in my Equifax credit report. It shows my former address as my current one and vice versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX, XXXX I made a payment to capital for my credit card payment in the amount of {$510.00} but didn't know it would be taken out till XXXX, XXXX between this time I had another payment set to be taken out with XXXX but by time capital one took their payment if wasn't enough to cover the payment of the {$510.00} so I made another payment of {$400.00} on XXXX but I called in on XXXX XXXX to inform capital one that the {$400.00} won't clear because ring took a {$8.00} payment and I would like to change the payment to {$350.00} or {$380.00} and I also asked if they can waive {$12.00} interest fee they waive the {$12.00} interest fee but didn't take the payment of the {$350.00} that same day the rep inform me that I would have to wait for this payment to fall off to make the correct payment. I made the payment of {$300.00} on XXXX XXXX at this time my account was open and the payment was accepted. Now XXXX, XXXX I was trying to make my remaining payment and now my account is Restricted and closed after receiving my {$350.00} payment. I spoke to capital rep and they were disrespectful even told me they can see were i called in about tjis matter but couldnt see when i called and the rep told me i could make my payment off the {$400.00} drops off but said I was doing fraud and hang up on me. unable to reopen my account after receiving my payment. Please I need help getting my account open back so my credit won't be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account status incorrect

Complaint:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to do a refinance and I am working with company called XXXX! XXXX is trying access my Equifax report and credit score but it has block on them and wont report. I have called 4 to 5 times and Equifax tells me there is no problem with my report. Must be on XXXX side. XXXX is getting APPLICANT FILE BLOCKED AT EQUIFAX ERROR Code : XXXX. 
Equifax says there is nothing else they can do for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Grain Technology, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I opened a credit account with this company since they claim they help consumers credit when on time payments are made. They do this by reporting to XXXX  credit bureaus. I opened an account with grain by paying a {$200.00} deposit and they matched that, so I have a {$400.00} credit limit. The account was opened in the middle of XX/XX/2021 and now it is XXXX and they still have not reported to any of the credit bureaus. I have emailed them twice and they guarantee a response in XX/XX/XXXX hours and its been a lot longer that and I still have not heard back anything. The only reason I opened an account with them so I can improve my credit but they are not reporting and its going on XX/XX/XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I want to know why Nationstar Mortgage , LLC was able to legally secure a Lender Placed Flood Insurance Policy with an annual premium in the amount of {$1600.00} on a XXXX mortgage with a principle balance of approximately {$3600.00}, when the previous year 's annual premium was {$44.00}, which covered their interest on my XXXX mortgage with a principle balance of approximately {$4900.00}. Not only did the annual premium amount change, but the coverage changed from {$4900.00} to {$180000.00}. I already had flood insurance coverage on my XXXX mortgage for {$180000.00} and the principle balance on that loan was {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Bread Financial 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:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 
Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive received multiple solicitations from XXXX XXXX inviting me to apply for an XXXX Credit Card with NO IMPACT TO CREDIT SCORE for applying. Upon checking my credit report I noted a hard inquiry that I did not authorize from XXXX subsequently lowering my credit score by 37 points. I checked the offer again and confirmed multiple instances where no impact to credit score was advertised, however, upon, closer inspection I noted a small, barely noticeable footnote. This practice is deceptive and fraudulent. Had I been aware this would impact my score I would have never applied. Apparently XXXX knows this as well hence the bait and switch tactic.

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 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA N has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX of XXXX  XXXX completed an investigation for an account from XXXX XXXX. The account was closed due to fraud and was deleted off of my account. Before the investigation it was sold to Portfolio account services. I submitted the results from the investigation yet they ignored my email and proof. Its continually being reported to this day. Getting phone calls 7 days a week and addressing to several associates that it was fraud and was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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:
Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??

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 2017-12-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I FELL BEHIND ON MY MORTGAGE PAYMENT FOR 2 HOUSES I OWNED, IN XXXX, ARIZONA. THE MORTGAGE WAS HELD BY XXXX XXXX XXXX. 
XXXX PUT ME ON A 6 MONTH FOREBEARANCE PLAN FOR EACH PROPERTY. I MADE ALL OF THESE PAYMENTS ON TIME. THEY WERE LOWER THAN MY USUAL PAYMENTS. 
AFTER THE 6 MONTH PERIOD ELAPSED, THEY ASKED ME TO RE-APPLY FOR THE LOAN. I DID, THEN THEY DID NOT APPROVE THE NEW LOAN, TOLD ME TO STOP MAKING PAYMENTS, THEN THEY TOOK BOTH PROPERTIES. 
I HAVE YET TO SEE ANY DOCUMENTATION, AS FAR AS THE DISPOSITION OF THE PROPERTY IS CONCERNED. I DONT KNOW IF THEY FORECLOSED, OR WHAT.

Company response to consumer: Closed with explanation