BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from XXXX XXXX  dated XX/XX/2019, that my mortgage loan was being sold to NewRez ( Shellpoint ). I made my XXXX payment to the original mortgage company. By the end of XXXX, I had not received any information from NewRez. I called the number on the XXXX  XXXX letter and was told that I should receive the packet next week, and to not worry about the payment because it was a new loan transfer. I received the packet from New Rez on XX/XX/2019. The letter was dated XX/XX/2019. It was late Saturday, so I planned on mailing the payment on Monday, XX/XX/2019, which I did. On XX/XX/2019, I began received calls from Shellpoint, stating that this was attempt to collect a debt. They called again today XX/XX/2019. I have left three messages for Supervisor XXXX XXXX, but have not received a call back. 

The company didn't even get the information out to me before the first of the month, yet they have collection agents calling and harassing people who aren't even technically late. I want to pay with a check so I have a receipt ; and in addition after reading the complaints on the XXXX website, I don't want to pay them over the telephone. What a way to welcome new customers. 

There are many complaints with the XXXX  XXXX XXXX about this company and something has to be done about this level of harassment being unduly placed on consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XXXX XXXX XXXX CrossCountry Mortgage started to pay taxes on a property that i do not own this amoun twas XXXX on lot XXXX in XXXX nj. 
this made my escrow to go negitive. On XX/XX/XXXX CrossCountry Mortgage paid XXXX for insurance this payment should never been paid due to the fact I had Homeowners insurancs. This made the escrow to go more negitive. 
On XX/XX/XXXX CrossCountry Mortgage paid XXXX for HomeOwners insurace again. This made the esrow more negitive. XX/XX/XXXX they again paid the wrong property tax in the amount of XXXX again adding to the negitive in the escrow account. 
the negitive amount is now XXXX. This is after i made a payment of XXXX thia amount is XXXX which is the correct amount plus XXXX to cover their mistake. 
I have call them over 50 times trying to get them to understand their mistake but they would not listen. i sent them a letter of mistake, i sent them all paperwork need to prove their mistake, tax records for my property and the wrong property. I havegotten refunds from the city of XXXX nj. CrossCountry Mortgage only wants me to pay the higher amount, I am told well it takes time i need to give them more time. 
I have given them since XX/XX/XXXX and they have done nothing. 
CrossCountey Mortage said they look into this matter and sent me a letter saying they were paying the correct taxes.They never looked at the paperwork i signed with them which has the correct lots on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Conn's, Inc.
State: NC
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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've had an issue with all 3 major credit agencies. Equifax, XXXX and XXXX. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. Equifax screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with XXXX and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor had agreed to delete information on credit report when account was paid and closed. This never happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My card/account was lock, and according to an email i got was because of unuasual activity and i was asked to call the XXXX #. After i did they dont even know why my account doesnt work and was told that it will be scalated to a diffrent department and it would take 24hr-48hr. That was on XXXX/XXXX/2016 when i frist called, it is now XXXX/XXXX/2016 and when i keep calling they keep telling me the same thing. Not to much urgency in fixing the issue or letting me know what happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving 10-15 spam and verified phone calls per week on my landline from Comenity Bank claiming I owe money, either to XXXX XXXX or other debtors. I have blocked over 20 phone numbers from my landline provider ( XXXX ), reported these harassing calls on the National Do Not Call Registry, repeatedly told these scammers to stop calling, and reported these calls to my state 's AG office. The only debt I have is a mortgage and 2 credit cards that are paid in full monthly. These calls started 3 months ago -- XXXX of 2023 to present ; today I've received 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Before passing away, my Mother quitclaimed her property to me in XX/XX/XXXX. In early XX/XX/XXXX ; I began experiencing financial difficulties and the mortgage went into default. Over a period of one ( 1 ) year ; from XX/XX/XXXX to XX/XX/XXXX, I have repeatedly submitted loan modification applications to the loan servicer and I have always submitted the follow-up documentation timely ; with fax confirmations as proof. 
I have received a denial of all of these applications due to conflicting reasons as given by the servicer : 'insufficient documentation ' or 'no loss mitigation options available '. The last denial I received was on XX/XX/XXXX ; which I am currently appealing. As I await the results of my appeal ; the servicer has informed me that the foreclosure sale is still moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Complete Credit Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had company or use it before they are saying i sign a contract for 3 years which i didnt. Just for them to leave me alone, i made payment plan for XXXX  every paid period. I dont owe them at all. Protect America there collections are called complete credit solutions

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 2023-07-03
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX / XXXX / XX/XX/2021 XXXX XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX  / {$550.00} / XX/XX/2021

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 2020-09-15
Company: ENOVA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2020 someone without my knowledge or permission used my personal info to try and obtain a payday loan. XXXX is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
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 equifax credit report dropped 57 points overnight. The report stated that I had been late 9 times with an XXXX account. I contacted XXXX, they stated that I have been on time with the payment ( taken out of my checking account each month ) since 2012 and I am actually ahead on the account. XXXX did not send any negative information regarding the account. 

On the equifax account marks in a calendar format that I have been late on a loan, but on another equifax document shows that I have not been late on any loan. 

XXXX XXXX showed in their credit report that everything was fine and my credit actually went up 3 points. 

It should be an easy fix. I have not been late paying any of my accounts. 

Thank you for assisting me on this frustrating issue. 
*I do not have any documentation because I have never received any late notices on any of my accounts*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, Inc.
State: IN
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 have taken a look at my consumer reports and there were two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ComenityCapitalXXXX XXXX. Please investigate and provide proof with statements showing that I was late on payments. If no proof is provided I demand that my payments are updated to on time as they were never late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-04
Company: American Credit Acceptance, LLC
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: Information belongs to someone else

Complaint:
I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts opened fraudulently without my consent

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 2023-02-09
Company: Experian Information Solutions Inc.
State: AZ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-08-13
Company: DISCOVER BANK
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
REFERRING BACK TO CASE NUMBER # XXXX They charged me {$1400.00} in sole interest for the months of XX/XX/XXXX thru XX/XX/XXXX. 

They applied all the payments i made from XXXX XXXX towards 100 % interest. 

They claim I have accrued interest from XX/XX/XXXX thru XX/XX/XXXX but fail to send me the proper documentation proving that. 

I called on XX/XX/XXXX XXXX and asked one of the senior advisors to send me supporting documentation or at least a contract. They said they would send me my contract and never did. I also recorded another representative claiming there was something wrong with my account and said that i should not have been paying that much interest. 

They also fail to provide receipt or a breakdown of interest for the months they claiming i owe {$1400.00} of interest. 

When I called complaining about this situation they said that the next month my principal balance would go down. This seems as if they screwed up and now their trying to fix it but since payments have already been processed they are trying to cover it up with supposedly accumulated interest. Their system says accumulated interest but they can't breakdown the interest in paper from the months of XXXX XXXX from which months they claim. 

They fail to provide the necessary documentation to prove I was accumulating interest from the months of XXXX-XXXX of XXXX. 

It is mathematically incorrect. If we calculate the interest from XXXX thru XXXX I would be paying approx {$220.00} in interest every month. Thats about {$660.00} in interest. That number still does not equate to {$1400.00}. Also my late fees were reimbursed from restructuring my account. Even if we charged interest on top of interest which im not sure if that is even legal, it still does not equate to {$1400.00}. 

In the letter it stated from AS OF XX/XX/XXXX MY INTEREST RATE WILL BE 5 %. 

Again, I am asking for a breakdown which your call center could not provide. 
I am asking for a breakdown of interest with numbers and supporting documents stating i am paying {$1400.00} in interest. I'm 100 % certain discover is committing white collar theft because of a screw up and will be pursuing legal action if nothing is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. 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,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express Platinum card due to the offer of XXXX bonus points XX/XX/2016. I met the minimum spend requirements on XX/XX/2016 using valid purchases. I then entered into an 8 week long review process, which should have concluded last week. American express has been very unhelpful throughout this process, and is now withholding the points that I have earned in a breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
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:
On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.

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 2023-07-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I Bought a vehicle XX/XX/XXXX from XXXX XXXX XXXX i specifically ask to have gap included in my finance charge when financing the vehicle. The sales agent was like ok we'll add that in there for you and they never did. I recently sent a letter of recession to the dealership on XX/XX/XXXX they claim my claims were baseless. I followed up with letters i haven't heard a response from them or gotten a remedy.

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