BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Newrez/shellpoint raised my payment by about {$400.00}, or about 14 %. They've done this even though my homeowners insurance is the same for the last 2 years. They do this even though my real estate taxes went down by about {$600.00} per year. ( This was due to the approval of my XXXX XXXX XXXX veterans status by my colorado tax assessor ) I began the complaint process with them in XXXX. They take 6 weeks to respond and say their calculation is correct. They point their finger at me and tell me it's my responsibility to provide them with insurance and tax bills. Even though I've done this a dozen times, showing that my payment should have been lowered, they do nothing. 
They send secure messages but when I try to open them, I get expired link errors. 
It just appears that they've been operating with impunity. I world change mortgage servers but the interest rate rise keeps me from doing that. 
Please help. At the very least they should be sanctioned for their actions. Doing this to a XXXX veteran on a fixed income is very scary. With all the increases found today, an incorrect raising of my home payment is scary to me, a person on a fixed income. 
Thank you for your.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-06-30
Company: Experian Information Solutions Inc.
State: MA
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:
Hello, the Two XXXXXXXX XXXX XXXX  accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.

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 2022-06-30
Company: Experian Information Solutions Inc.
State: MN
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:
EXPERIAN ASKED ME TO PROVIDE SUPPORTING DOCUMENTS TO SUPPORT MY IDENTITY THEFT DISPUTE, AND SAID THEY WOULD DELETE THE AFFIRM ACCOUNT. I HAVE PROVIDED THEM ALL THE DOCUMENTS IN THE MONTH OF XX/XX/2022. I HAVE CALLED THEM AND SPOKE TO THEM ON A RECORDED LINE, WHERE THEY CONFIRMED THEY RECEIVED ALL THE NECESSARY DOCUMENTS TO BLOCK THE AFFIRM ACCOUNT, BUT EXPERIAN STILL REFUSE TO BLOCK THE ACCOUNT. THE RESULTS CAME BACK " REMAIN '' ADDITIONAL INFORMATION REQUIRED. THEY ARE STILL ASKING ME FOR THE EXACT SAME DOCUMENTS THAT I HAVE ALREADY SUBMITTED TO THEM, AND HAVE ATTACHED TO THIS COMPLAINT. I WAS NOT EXPECTING THIS DISPUTE TO TAKE THIS VERY LONG. I AM NOT SURE WHY EXPERIAN IS GIVING ME SUCH A DIFFICULT TIME TO RESOLVE THIS MATTER. HOWEVER, I WOULD LIKE EXPERIAN TO NOW BE INVESTIGATED. I HAVE PROVIDED A LOCAL POLICE REPORT REGARDING THIS MATTER. THE POLICE REPORT IS FROM MY LOCAL CITY XXXX XXXX, AND HAS A REPORT NUMBER ON THE REPORT. IT CAN ALSO BE VERIFIED WITH MY LOCAL LAW ENFORCEMENT AGENCY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: CA
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 SUBMITTED A COMPLAINT THROUGH CFPB PORTAL ON XX/XX/2022 RECEIVED A RESPONSE FROM EQUIFAX COMPLAINT NUMBER BEING ( XXXX ) According to the company Equifax response they stated the account/s that are currently reporting on my consumer file were XXXX XXXX, in which this company Equifax stated they have verified belongs to me. Second account being XXXX XXXX XXXX, Equifax stated that it shows in their systems that I have previously tried disputing the account and the Third account being listed as XXXX XXXX XXXX  where Equifax stated in response that has also been previously disputed by consumer. Based off of the response from the company Equifax response they have admitted to being in violation of the FCRA15 usc 1681b PERMISSIBLE PURPOSE OF THE CONSUMER REPORTS ( a ) IN GENERAL Subject ( c ) any consumer reports under the following circumstances and no other : ( 2 ) In accordance with the written instructions if the consumer to whom it relates. I have never given the CREDIT REPORTING AGENCY Equifax written consent to furnish a consumer report on my behalf. According to the company response Equifax has admitted to being in violation of AGGRAVATED IDENTITY THEFT PURSUANT to 18 USC 1028A. Equifax has knowingly transferred, possessed, or used, without lawful authority 's means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability 15 usc 1640. Under the FDCPA this agency were supposed to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. Therefore, the following accounts must be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Bank of America has two accounts under my personal information, one of {$1000.00} and over {$5000.00}. Someone is using my personal information to open credit cards and get a car loan. I have tried to do a dispute and they refuse to remove me. There is also a loan car under my credit that will also need to be reported

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 2022-06-07
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with XXXX XXXX The account number was XXXX. The account was overpaid by {$56.00} dollars and was evidenced by the last statement received with payment due date of XX/XX/XXXX. I have the statement. I called the bank because I had paid off the account and was unable to use it. I was told that the account was closed by the bank. The statement also states that the account was closed. I was told that a check in the amount of {$56.00} would be sent to my home address, which was : XXXX XXXX XXXX, XXXX XXXX FL. XXXX. I had requested records of the account yet I was told that the account was " Purged. '' I received a letter from Radius Global Solutions LLC dated XX/XX/XXXX charging me {$480.00} dollars. However, never obtained a new card nor was I able to have a card replaced as per the banks reports at the time. I have reached out to them and disputed the debt considering that the bank closed my account and claimed that my card was " Opened fraudulently, '' and so I was not able to get credit. The debt report shows that as of XX/XX/XXXX, I owed {$480.00}. The debt letter reference number is : XXXX Pin Number : XXXX web address to make the payment is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern : My name is XXXX XXXX. My credit report was just hit with a Ohio XXXXXXXX XXXX This bill is not mine. The address where this service was on at I never lived at. Please can someone resolve this at soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank with XXXX XXXX has called me repeatedly, everyday. They have used about 15 different phone numbers, if not more. They start the calls at XXXX and continue them throughout the day. They leave voicemails on my phone insinuating that legal action will be taken. They have even mentioned me having an attorney. It is extremely stressful. For awhile I did think they were scammers. I have multiple phone numbers that I can share and voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've applied to the income driven repayment plan over a month ago. I was told it would take two business weeks to process my application. There has been no movement with my application and student loan interest starts in a few days. Edfinancial does not respond to their email feature on their website in their phone lines consistently have a wait time of 400+ minutes. 

When I do get through, I'm told that I just need to wait longer. There has been no escalation or progress. The department of education can do nothing because this is up to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Branch Messenger, Inc.
State: AZ
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The branch card system doesn't work when you do a transfer it doesn't go thru. There is no front facing real bank website. I consider what they have plaid to be a complete fraud warning because of the data you have to put in. Please review this before someone is scammed. Just feels like they have the money and there are to many hurdles to jump thru, Cell phones are not secure and are how you are forced to use the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am having Wells Fargo business checking account for years. 
Two major issues during last 2 months : My customer 's check was bounced due to error on Wells Fargo side as Wells fargo thought it's fraud. Wells Fargo never reached out to me for that. Already CFPB complaint. This week of check of {$5700.00} was returned when i deposited myself. When i called Wells Fargo - their incompetent customer service is making excuse that they can not understand it. I can clearly make out that he was doing this to avoid answering my question. This happened today on XXXX XX/XX/2022. 
In this week this is second time Wells Fargo 's customer service is making this kind of excuse not to help a customer like me. There is no diversity in Wells Fargo. People like me who are in XXXX for 2 decades are told that they can not understand me even when line is clear and it's well understandable XXXX. 
Moreover after two escalations also Wells Fargo could tell me what is the reason for this return check and whether Wells will charge me any fees. 

Wells Fargo created a case XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX XXXX XXXX XXXX. XXXX put information on multiple areas. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital one is inaccuratce on my XXXX  and XXXX  there's no late payments no credit history but yet I still ow XXXX I disputed the inaccuratcy but nothing was done it's still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have Sofi Checking account. When I am doing any ACH in transactions- it's taking ridiculously long for that transaction to happen. Why it is taking long for funds to be available? Why there are holds in this account? Don't this bank trust me?

In every transaction I am talking - both are my accounts in different bank.

I deposited a check from Sofi to XXXX XXXX business account for XXXX but it's been returned with insufficient balance due to holds on this account by Sofi. 
Now XXXX XXXX will charge me {$12.00} return fees. 

Secondly why there is no way I can schedule a transfer for a later date? Sofi should not get the product out to the real world if Sofi is not ready? these are basics and customers in 2022 can not live without this kind of feature. As of this point, customer can only do immediate ACH transaction not after 1 day or next 30-60-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Nelnet, Inc.
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 status incorrect

Complaint:
On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: VA
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, has violated my rights. 

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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation