BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by mail from a debt collector, Penn Credit, claiming that I owe {$69.00} for a traffic citation. 
I called their XXXX but they claimed I still owned the debt. 
This traffic citation was paid directly to the XXXX XXXX XXXX on XX/XX/2018. 
I have proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Request and investigation to fix the fraudulent inaccurate accounts and information that's reporting on my credit report immediately with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Mortgage Loan Number : XXXX. 

My Mortgage servicer, NewRez LLC, did not properly credit the payment that I made on XX/XX/2022 in the amount of {$97000.00}. This payment was equal to the payoff amount the company quoted me through their website that same day and should have paid off the loan in full. Apparently, since the payment through the online payment portal, and did not follow NewRez 's " protocol '' for paying off the loan, the payment was not credited as a payoff. I phoned their customer service number three times explaining that the payment was meant as a payoff and to correct the error before writing and sending them the attached notice of error. I have not received a response to my letter as of today. I have called their customer service line twice more since then as the problem is not resolved and no one from the company has reached out to me. Each time I called, I was assured by their customer service representative that the error would be corrected and the loan would be paid off in full. As of today, this error has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1

681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-03
Company: Prince Parker & Associates
State: MS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently an email that a collections has been placed on my credit. I immediately check my credit report and notice att had place a collection on my credit. I immediately called them. I told the representative that clearly someone has made a mistake and I wanted my account and credit clear. I told her the amount was showing {$660.00}. The att representative stated she did not see a balance for that amount at all. I told her according to my report it has a date of XX/XX/2023. I told the lady there is no way I could have a collection when I'm STILL IN FACT a current customer. The att representative agreed. She placed me on hold. When she returned she asked me some security question to which I got all the answers wrong. She inform me that it seems to be account that does not belong to me attached to my account. However since I did not know the answers she could not assist me. And would have to send me to the fraud department. I filled out a online form informing that the whatever account that have attached to my account is NOT MINE. However still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Paramount GR Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We purchased a new furnace and water heater from XXXXXXXX XXXX XXXX XXXX, HVAC Contractor in XXXX, Ohio XXXX on XX/XX/2022 for {$9100.00}. We were given a loan with 18 months same as cash terms, through GoodLeap LLC XXXX # XXXX, XXXX XXXX XXXX XXXX. XXXX, CA XXXX. We began paying the loan when we received information that an account was opened for my wife ( loan signer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was the subject of another complaint, which was closed because details of that transaction were listed in a XXXX which was not explained to us at the time of loan origination. 

We have been paying the loan, and completed paying the amount in full {$9100.00} on XX/XX/XXXX, XXXX we have contacted the company by phone and online, trying to obtain confirmation that the loan has been paid and we have not received a final statement. The process of paying month was challenging online at there are no statements of remaining balance and difficult to understand listings of payments made to date. The company has many complaints regarding their communications regarding billing, and we are concerned that they attempt to obscure remaining balance and final payment so that considerable interest can be charged to people who are using XXXX interest financing terms. https : //www.trustpilot.com/review/goodleap.com? XXXX Please look into this company and their practices. We have paid in full early and want to make sure we receive documentation to that effect. We don't want others to be victims of deceptive loan balance statement management. 

Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CITIBANK NA XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX CO - XXXX CO - XXXX XXXX XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX - ND XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY XXXX XXXX Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2023-07-25
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage servicing I believe has a complex scam going on. Just look at the XXXX complaints. They average one a day!!!!! 
It's always accounting " mistakes '' and " misunderstandings '' please investigate this company NOW!!!!! 

For me it's the app not letting me apply extra payments. I believe they have cookies preventing me for being able to click the button. And payments not applied ... ugh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Equifax has been notified numerous times about report inaccurate information on consumer report. They have defamed my character and have caused me severe financial hardship. 

There are a total of 5 accounts reporting inacurrately XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX There are a total of 6 unauthorized inquiries XXXXXXXX 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 2022-12-21
Company: Experian Information Solutions Inc.
State: NJ
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 explanation
Consumer complaint received 2023-07-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case EQUIFAX. I have NEVER been late and may payment history is always on-time and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I submitted two different letters to the equifax credit bureau one on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers but the first response I received was just validation and nothing else. The second letter that I sent was a request of the copy of the individual original contracts that have my full name social security number and signature. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with navients response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up complaint to my prior complaint dated XX/XX/XXXX, to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The Items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-21
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I inherited land from my diseased husband There was a lien on the land from Barclays Bank for {$2700.00} The Title company help back {$6500.00} from the sale to cover the the XXXX Each time I spoke to Barclays bank I got conflicting information. 
I was told that I could send {$2700.00} and the lien would be lifted. 
I sent a check and it was cashed ( It is stamped with Barclays Bank stamp on the back of the check ). 
I have a probate attorney that they would not talk to The XXXX is still not lifted and I have lost over {$9000.00} I have documentation for all of this and documentation of what and when I have faxed information to Barclay Bank.

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 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a new business checking account with Wells Fargo. I created this account in person, in the XXXX XXXX location in XXXX, Oregon. 

I then logged into WF online banking to transfer funds into this new checking account. As instructed by the rep at WF bank, I used the transfer feature within the app. I linked my XXXXXXXX XXXX business checking account to the new WF business checking account. Small amounts were deposited and withdrawn, and I confirmed these amounts in online banking to finalize connecting the XXXX accounts. 

I then requested a transfer of {$10000.00} USD from XXXX to WF. A popup told me the request was submitted, and that the transfer would be complete in XXXX business days. I checked periodically and can see that the {$10000.00} was deducted from the XXXXXXXX XXXX account on XXXX XXXX, 2022 - but that it never landed in the WF account. 

When I called XXXX about this on XXXX XX/XX/2022, they confirmed that the {$10000.00} is in fact gone and has been pulled from my account. When I explained the situation, they insisted I call WF to have them return the money. They also explained that without a XXXX ID # they couldn't give me much more information. They explained that we couldn't reverse the XXXX, since it was initiated from within the WF online banking program. 

When I called WF on XXXX XX/XX/2022, they insisted that there was nothing to refund, as they never received the {$10000.00}. They refused to share with me the XXXX ID #. I spoke with XXXX, who placed me on hold for over XXXX hour and XXXX minutes, without much progress. He explained that on WF 's end, it shows that my transfer request " was cancelled by a banker before XXXX '' and that the transfer was " declined, '' but no reasons for these actions were given. After almost XXXX hours, XXXX said an investigation would occur and gave me the case ID # XXXX. He said I'd get an update " with the status of your investigation within XXXX business days. '' So as if this moment, {$10000.00} USD of my business ' money is lost in limbo.

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 2022-12-21
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We really need your help and intervention with my foreclosure matter. We know our house is being illegally and fraudulently stolen from us by the use of fraudulent information put forward by BSI Financial Servicing operating as POA for Plaintiff in our foreclosure case. There will be a ruling on this in XX/XX/XXXX. The enforcement action you have taken against XXXX XXXX XXXX XXXX proves they are behind the scenes of an illegal Foreclosure taken place on our home. We have been fighting a foreclosure since XXXX. The case is in XXXX XXXX Florida XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX plaintiff is now XXXX XXXX I trust which is the same entity. The originating bank, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. FDIC took over. I won the first foreclosure, and it was found at trial that XXXX XXXX XXXX XXXX XXXX couldn't provide 4 years of payment history and did not they have the Promissory Note. They refiled the Lawsuit in XXXX. I just had my second day of trial XX/XX/XXXX, and the Judge is allowing us to write our Final Judgement. I just found out about enforcement action being taken against XXXX XXXX. XXXX XXXX was the document custodian behind the scenes in the securitization of my mortgage. See SEC filing of the Master Purchase agreement.https : XXXX. 
Furthermore, The FDIC set up a private portal with information pertaining to the origination of my mortgage. I have all the documents to give you. They revealed that # 2 loans were originated on the same day and the 2nd loan number had been paid in full. Plaintiff is putting forward a mortgage with the 2nd loan number on it that we never signed nor was recorded in the land records, this loan is the one the FDIC says is paid off. FDIC provided me with a copy of the original Promissory note with no endorsements. Furthermore, they have brought into the court the Promissory note with a Fake photocopy of an interest only addendum attached. This is further proof of trying to foreclose on a 2nd loan. We need your intervention in this matter. Please let me know how to give you the supporting evidence of this. We need compensation for the fraud that is being committed and should be award damages. BSI Financial Servicing is the Servicer and POA for Plaintiff in my case. They have already admitted to you one other time i filed a complaint of changing the terms of my loan before the due date. TILA violation. 
We appreciate all your help in this matter. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: OH
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:
This car was sold in violation of the state lemon laws. I followed proper procedure and can not be held liable for the dealerships deceptive practices according to the law. Remove the false status and update for 100 % accuracy. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation