BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Was on a trial payment plan for XXXX, XXXX and XX/XX/2022. Newrez-Shellpoint reported to the credit bureau that I was late for each of the three months. It is my understanding that when on a trial payment plan, you would not be reported as late as long as the payment was received in the month it was due. 

Because of this reporting to the credit bureau, Newrez-Shellpoint has damaged my credit score and prevented me from getting a HELOC when the interest rates were lower. I have equity in my home that I wanted to utilize for repairs and car purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the Bank of America XXXX XXXXXXXX credit card, approved on XXXX XXXX 2023 with an offer of XXXX bonus miles if you spend XXXX in the first 90 days. I did not receive the credit card until XX/XX/XXXX, aster multiple calls asking about it and having a new one reissued and finally mailed to me. I called today to extend the 90 day period to spend the XXXX and get the miles and was told that they can not extend this, it is a violation of the federal fair lending act and there is nothing they can do. This is such a scam and the complete opposite of fair lending practices, I now have 30 days to rack up XXXX so Bank of America can charge me 22 % interest. This is truly egregious and not fair.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: TX
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:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, XXXX, Experian ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened 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 2022-06-28
Company: EQUIFAX, INC.
State: TX
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:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, Equifax, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Resurgent Capital Services L.P.
State: OR
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:
XXXX XXXX XXXX XXXX but returned accurate LVNV Funding Disputed But returned accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account management Ser is reporting a debt that I supposedly owe on my XXXX and XXXX XXXX reports. The debt showing on my credit report, shares inaccurate and false information such as " maximum delinquency XX/XX/XXXX '' and it was opened in XX/XX/XXXX yet reported in XX/XX/XXXX. I do not have any signed contracts with this company nor any sort of agreement that states I owe this account or company. I have already submitted disputes to XXXX and XXXX XXXX to validate this debt and to provide evidence of signed contracts reporting the debt owed and validating the amount. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from all credit files immediately. It is causing me emotional distress and medical issues. Thank you.

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 2022-06-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate addresses : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX. XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX 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 2023-10-25
Company: MOHELA
State: GA
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:
My bank sent an electronic payment to Mohela on XX/XX/XXXX for the amount of {$140.00} to be credited to my student loan payment which was due on the XXXX of XXXX. I logged onto my account on XX/XX/XXXX and noticed it was showing that I had not paid it. I messaged them and sat on hold for almost 4 hours waiting to speak to someone. When the person answered they said I sent it to the wrong address. Then they also said they had no record of a payment so I would need to call my bank to cancel the first one and send a new payment. My bank said they did receive it and attempted to call Mohela but could not get through. When I got home I had 2 letters from Mohela, one dated XX/XX/XXXX, stating they had received my payment but at the wrong address ( again it was electronic not paper ) and it would be credited and the other was a bill stating I had not paid anything. I went ahead and submitted another payment on the XXXX just to ensure it would be within the 15 day window. Neither payment has been credited and it is now the XXXX. I have also emailed 4 more times to no response at all. Now, it is almost time for another payment and I am not sure what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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:
In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX  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.

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: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with XXXX was transferred to Mr. Cooper on XX/XX/XXXX. I had made a {$23000.00} payment on XX/XX/XXXX to bring my balance down to 78 % of the original loan value. I have been trying to get the PMI removed on my account. I have met all the criteria of the balance being under 80 % of the original loan value, all payments were made on time and payments were over the amounts that were due. I have asked Mr. Cooper to cancel the PMI but they said that I don't meet criteria and that my home has lost value so that I now need a new appraisal done in order to have this cancelled. I paid {$330000.00} in XX/XX/XXXX for a home with XXXX acres and they are saying that in this real estate market my home has lost value. I also get advertisements from them stating that I have {$170000.00} in equity in my home so now I should think about refinancing. I was told that the investors are the ones that are making this decision about the appraisal. I would like to know if this is something that they can do or if I fall under the Federal Homeowners Protection Act? Please let me know as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
HSBC Bank failed to properly document this Fraud Claim on XX/XX/22 as indicated by their Call Center Supervisor, in which I am already encountering financial hardships getting to work, eating, and purchasing medication ( in which I need to survive ) saying that it could take up to 10 Business Days. This is extremely unethical and I never received any communication regarding their financial practices, nor to date was I provided a Transaction ID, for my personal records because I do not trust this bank. The call center representatives and supervisors are incompetent. I need my credit expedited expeditiously. To add insult to injury HSBC could not expedite my card, nor have they considered the hardships imposed on my life through no fault of my own. This bank has violated several laws according to the FDIC, by not providing written communication regarding their policies, and will not take the due diligence by issuing the provisional credit, at once, considering the hardships and liability imposed by NOT properly filing this fraud in a timely manner. HSBC Bank was contacted on XX/XX/22 in which the Fraud claim was not submitted, nor did the representatives or supervisor callback ( even though there is a verifiable and updated contact number ). To date I never was issued a confirmation email or any Transaction ID # for my records to follow the status of this claim. This bank is absolutely the worst encounter, and I am calling the local News Media as well as seek my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CO
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:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the
processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXXXXXX Charge-off {$1000.00}

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 2022-06-28
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, 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 2022-06-28
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerassist Ar Solution is reporting a debt on my XXXX and XXXX XXXX report as being owed. I do not owe this company or have an agreement stating I owe this company. I would like to see proof of validation of the alleged debt. I have submitted disputes to XXXX for them to validate this debt and to provide the written and signed contracts reporting the debt that also verify and validate the amount owed and the accuracy of this reporting. I have attempted to contact this company plenty of times although have had no resolution. This company is violating FCRA consumer laws by reporting inaccurate and incomplete information across two of myreport. This is causing me emotional distress especially during this rough time. I am in the middle of filing a lawsuit if this is not deleted. I am requesting that this account be removed from all credit files immediately please. 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 2022-06-28
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX Experian re XXXX XXXX hard inquiry XX/XX/2022 ( Complaint Id XXXX ) ** please see new attached letter Thank you for your response. I am aware there are different types of credit pulls ; ie hard/soft etc and how they affect scores. 

I am asking that you remove the XXXX  XXXX hard pull because I was under the impression it was a soft pull when I clicked on website stating I could see if I would be prequalified. 

I just wanted to see if Id be approved as I was working on improving my credit. 

Had I actually wanted the credit card, I wouldve used it but as you can see from the attached letter, I didnt open or use the card. 

And.. 

XXXX  XXXX informed me they requested all XXXX  XXXX account related information related to that pull removed from the XXXX main credit bureaus. 

Could you please go ahead and remove that hard inquiry because it was pulled when I was under the impression it was a soft pull as XXXX XXXX does to prequalify potential customers as well as hard pulls. 

Thank you. 
XXXX XXXX XXXX XXXX I just found this letter or I wouldve included it when I XXXX opened a complaint. 
I did call XXXX XXXX as the letter says but they said I couldnt get a copy of the letter they sent to myself of the credit bureaus.

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