BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello- I was given this contact to hopefully provide assistance. 

Timeline of events : I bought a home in XX/XX/XXXX and used XXXX XXXX   XXXX. They sold my mortgage to NewRez/Shellpoint. My Credit score was XXXX My 1st payment with NewRez/Shellpoint was XX/XX/XXXX I pay all my bills through XXXXXXXX XXXX XXXX XXXX XXXX  Bill Pay New Rez stated they didnt get my XXXX payment, my 1st payment through my banks autopay I supplied proof of my ACH autopayment to New Rez. My banks fraud department also reached out to New Rez In XXXX, my XXXX payment was found by New Rez/Shellpoint and applied. 
My Credit report show 30 days late payment for XXXX New Rez received my XXXX payment by ACH autopay and it was applied New Rez states they did not receive XXXX ACH autopayment I supplied them with proof of ACH auto payment from my bank New Rez did not correct my account They received my XXXX payment auto payment and applied it to my XXXX payment. 
My credit report now shows 30 days late for XXXX, 30 days late for XXXX, and 60+ days late for XXXX I provide proof of all my on time payments to New Rez for XXXX, XXXX, XXXX, and XXXX I check my credit score in XXXX and its dropped to XXXX I make dozens of calls to new rez that have no results I am asked to send in more documentation of payments and find out the email I was told to use does not support attachments Actions I have taken : I have made numerous calls to NewRez/Shellpoint I have made dozens of emails to New Rez/Shellpoint I have provided my banks ACH transactions showing on time payments I have contacted the Cooperate Compliance attorney for XXXX XXXX who sold my loan to NewRez/Shelpoint On XX/XX/XXXX I have contacted the Indiana Attorney General and filed a complaint On XX/XX/XXXX I filed a complaint with the Indiana division of consumer finance On XX/XX/XXXX I filed a complaint with Federal Division of consumer finance On XX/XX/XXXX I contacted Indiana state senator with concerns of ethical practices of mortgage lender On XX/XX/XXXX I contacted Indiana congressional representative regarding concerns of ethical practices of mortgage lender On XXXX have filed disputes with XXXX  and XXXX  On XX/XX/XXXX I completed brief internet search and found 100s-1000s of complaints to XXXX XXXX XXXX  in various states with complaints exactly like mine regarding NewRez/Shellpoint My name is XXXX XXXX My contact is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NE
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$13000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NE
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$13000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: URS Holding, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 subscribe to XXXX XXXX XXXX XXXX provided by capital one as I am one of their customers. I noticed a new account was opened by capital one/ XXXX in my name in XX/XX/2020 and it was fraudulent as I never applied for this particular credit. I called capital one to notify the problem and they said they were able to close the account before any fraudulent charges were made. They said they would notify the credit bureaus and handle the issue. I saw on each credit report in XXXX that the original inquiry was still showing for this fraudulent account and lowered my credit score. I called capital one and was told I needed to dispute the inquiry with each bureau. I thought this was ridiculous since capital one allowed the fraudulent account to be opened in my name in the first place. Regardless I disputed the inquiries and XXXX removed itXXXX XXXX claims it was validated by capital one and remains, and XXXX XXXX has yet to get back to me. I called capital one to complain as I felt they should correct this on their own as it was their negligence that lead to the fraudulent account being opened in the first place. They then tell me I need to send a letter including my social security number, dob and all credit report inaccuracies to a P.O. Box to get this resolved. Who in their right mind would mail all their private information via us mail ( which has had major issues of late ) and risk that letter being lost or stolen and fall into another persons hands to possible steal my identity again? This is the policy for capital one? It is ridiculous and I should not have to risk further exposure in the process of fixing their original mistake and lack of internal controls. 

XXXX  had no issues with removing the inquiry yet XXXX has given me every problem in the world even filing the dispute and then coming back with a completely inaccurate validation of this fraudulent inquiry. 

Capital one has a responsibility to fix this problem as it originated from their operation, not from me. 

Please advise as I am fed up dealing with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: GVA Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was in a bad spot I needed to hire a lawyer. So I looked online for loans. And I found this one. It was for {$500.00}. I knew it was high interest. I expected to have to pay 130 something dollars a month for a year for a {$500.00} loan. Which I know sounds terrible. But I needed the money to pay for a lawyer. It was an emergency. The first payment came out from my checking account. I get paid every two weeks. So I figured the next payment wasnt due for a month. But when I got my next check it was taken out of that as well. So they are taking almost {$300.00} a month for 12 months for a {$500.00} loan. I cant afford that. I ended up having to close my checking account. And Im pretty sure what they are doing is illegal. Definitely a predatory lending company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo online profile to open fraudulent checking/savings account Fraudulent banking and communications with impersonating representatives Information distributed dark web : XXXX Denied deactivation of profile XX/XX/2021 Stated I would receive a card soon and accounts could be closed when documentation was received Directed to local bank to close account ; bankers could not verify account information Received unwarranted communication Wells Fargo was not applicable to me. 

Mail theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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:
EQUIFAX keeps reporting items that I gave no consent to and I demand that they be removed..They were never given permissible permission and according to 15 USC 1681a 3 & 4 that is a violation.. 
Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, my real estate professionals were contacted by XXXX XXXX of Fifth Third bank and advised that the investor, Freddie Mac, is unwilling to consider a short sale offer at fair market value for my property. The buyer 's offer is currently above the appraised value of $ XXXX, at $ XXXX. On XX/XX/XXXX, XXXX advised the minimum net proceeds the investor would accept to receive is $ XXXX and all she would need is a revised hud1 showing the proceeds would be coming to them. The buyer and my agents made multiple adjustments to meet the investors unreasonable sale expectations and submit a revised settlement statement back to XXXX XXXX with Fifth Third and Freddie Mac netting higher than the appraised value at a full $ XXXX net proceeds the same day, XX/XX/XXXX. We did not hear back from XXXX XXXX for several days, and then on XX/XX/XXXX she advised that she did in fact need more documents other than the revised hud1 she had asked for previously. All remaining documents were provided to XXXX XXXX via email on XX/XX/XXXX. Finally, 10 days after requesting incomplete documents, on XX/XX/XXXX, XXXX XXXX confirmed receipt of all documents again and advised she should have approval for us soon. 

When my real estate professional, XXXX XXXX, called into Fifth Third bank for an update on XX/XX/XXXX she spoke to XXXX, ID : XXXX. XXXX gave inaccurate information and advised that we still needed to send in the HUD1 with the minimum net proceeds to Fifth Third/Freddie Mac of $ XXXX, which was already provided and confirmed received by XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. 

My real estate team emailed XXXX XXXX to clear up the discrepancy on XX/XX/XXXX, but her email address of XXXX now returns undeliverable. 

My real estate professionals manager, XXXX XXXX, called in to discuss the discrepancies with Fifth Third and spoke to XXXX again. When XXXX was told that the reason for the call was to address the previous incorrect information she gave XXXX, XXXX became extremely defensive and combative. XXXX was rude and unprofessional. She repeatedly, even after being corrected and supposedly apologized, continued to condescendingly call XXXX by the wrong name ( referring to her as XXXX ). XXXX claimed there was no authorization on file for XXXX, but I have signed both XXXX XXXX 's authorization form and had the Fifth Third form notarized with her name on each. XXXX refused to allow my authorized real estate professionals to speak with a manager or anyone else who could address both her incorrect and misinformed account handling and extremely rude handling of my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Escrow Errors : I was notified by mail in XX/XX/2019, that my escrow account was short in the amount of {$4600.00}, and that I had 2 options to make this payment : 1. To pay the {$4600.00} in full right away. OR 2. My monthly mortgage payment beginning XX/XX/XXXX, would increase from {$1500.00} to a new monthly payment of {$2200.00} I made a phone call to LoanCare on XXXX XXXX, spoke to a customer service representative who advised that I did not owe {$4600.00} and in fact needed to pay {$5300.00}. 
I made the full payment over the phone on XX/XX/2019 in the amount of {$5300.00}, thus, causing my new monthly payments, effective XX/XX/2019, to increase to {$1800.00}. 

Payment Errors : In XXXX I began receiving notices that my mortgage was late. After making my first phone call of many to LoanCare, I was told that my monthly payments were never adjusted even after my escrow was paid in full. LoanCare was collecting and holding my payments of {$1800.00} and deducting {$2200.00} from the holding account to satisfy the payment for 1 month, that began XX/XX/2019. This is still an issue even after several conversations with their staff to correct the issues. 

I also called on NUMEROUS occasions to have payment history corrected and ask that LoanCare contact the Credit Bureau to correct their reporting that my payments had been late. ( see evidence of payment below ) We are now at the End of XXXX and THESE ISSUES HAVE NOT BEEN RESOLVED.

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 2017-07-21
Company: EQUIFAX, INC.
State: FL
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 have sent certified letters, documents, made contiounous phone calls in reqards to unathorized inquiries and a collection account that i have requested verification of and have no knowledge of and still havent got items removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: CO
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 U.S.C 1681. 

XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All collection accounts listed above should be deleted immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX Presolve collections placed a collection on my XXXX  credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. Presolve Collections has failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, Presolve Collections has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, almost over a year later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-08-19
Company: EQUIFAX, INC.
State: PA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation