BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent a secure message through the shellpoint self servicing site asking why when my mortgage was transferred to Newrez/Shellpoint, my Hazards insurance Mortageee clause has not been updated to Newrez, and continues to show XXXX XXXX, my prior lender before transfer, and asking if I should be updating it myself. 

On XX/XX/XXXX, I received a reply in email for someone else 's loan and data included, saying they acquired my loan on XX/XX/XXXX ( My loan closed on XX/XX/XXXX ), with subject line showing " RE : Contact Reply XXXX ''. That is not my loan number, the correct loan number is XXXX. Further, it said I did not escrow for hazard insurance. Clearly in my closing documents, signed escrow disclosure I did and still am escrowed for hazard insurance, and it scheduled to disburse in XXXX. I am very concerned about my data being kept with newrez, and wonder how many other customers this may have happened to. 

To this date, I have not got a answer to my question, and am concerned about receiving other loans data, and want to make sure my loans data was not shared with any other customers. 

This is very sloppy loan servicing at best, and have only had Newrez for a couple of months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax consistently does not update my credit report. I have documented proof from XXXX from other credit bureaus from discover and all of my other revolving accounts stating they are sending the information to all three credit bureaus yet Equifax is the only one that does not update it. They have not updated anything on my credit report for 60 days or more. I have contacted them repeatedly they do not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Delete Late payments from Santander from XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My personal financial information was utilized without my permission or knowledge to obtain credit, items, or services on the above-mentioned account. Please release me from this debt and alert credit bureaus and collection agencies. Please consider this.

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 2017-06-25
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Alliance Collection Agency a certified letter on XX/XX/XXXX, that they signed for on XX/XX/XXXX, stating that the debt is disputed. On XX/XX/XXXX 30 days after they signed for the mail they did not have the account stating disputed on all 3 credit bureau 's. I requested validation bearing my signature stating that I am contractually obligated to pay Them. I stated to them, if they could not provide me with this information ( and they still have not ) within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX as of today XX/XX/XXXX they have not complied. These accounts were paid by workers compensation. It is there responsibility to validate debts before they purchase them, which they did not do.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 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 2022-01-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Getting harassed about a hospital bill that they refuse to bill to my insurace. Many calls with the bill collection agency, the hospital I visited had no effect in stopping the barrage of phone calls and mail. My three way calls between the debt collector, my insurance provider, and myself seemed to be most effective but nonetheless never stopped their pursuit to get me to pay without billing insurance. Often trying to decieve me saying it was not covered. Luckily I was smart enough to call my insurance and confirm they were never sent any claims or billing. To no avail explicitly telling them to stop harrassing me with calls and mail never stopped their relentlessness. I thought after the fourth three way call I had back in in the middle of XXXX in XXXX I thought the XXXX of dealing with HRRG was resolved. Today I woke to find another letter from said debt collection agency trying to collect money without billing my insurance. It is a bill of XXXX $ from XX/XX/XXXX. The collection agency in question is " Healthcare Revenue Recovery Group , LLC ''. The number they advised me to call, " XXXX ''. At the top it says " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' At the bottom there is a detachable portion for you to send payment to a " 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 explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
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:
out of the three major credit bureaus, equifax has always reported incorrect information on my credit history. THEY ARE INCORRECTLY REPORTING MY NAME AS XXXX XXXX, this is not my name on any accounts.since 2013 they have reported my address incorrectly. i have faxed and mailed my correct address to them. this had still not been resolved. there are creditors that have been paid in full that are not reporting any longer. XXXX  and XXXX have deleted them ( XXXX, XXXX, XXXX and XXXX XXXX ). equifax has been provided with the paid in full letters and refuse to delete these companies. after the 12th investigation they are stating that the balance is showing as XXXX and they will continue to report. refusing to delete. when i call i am given instructions to fax and mail, along with sending my government i.d and social security card. 12 times. the last time was XX/XX/XXXX, XXXX there is still no resolution. they are also reporting that a fraudulent XXXX  account that has also been deleted by XXXX and XXXX. euifax refuses to delete. causing me to loose employment, housing and not being able to obtain student loans for my XXXX children in college that will have to leave next semester

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX. XXXX, XXXX, booked my wife, XXXX XXXX XXXX, a round-trip ticket thru XXXX from XXXX  to XXXX on XXXX ( XXXX XXXX XXXX departing XX/XX/XXXX and returning XX/XX/XXXX. XXXX  Reservation Number XXXX. Paid {$1600.00}. 

On XX/XX/XXXX return flight, when checking in at XXXX XXXX XXXX, my wife was denied seat to her surprise. Her reservation was cancelled. She was forced to purchase another ticket one-way to LA costing {$2100.00}. 

Filed claim for refund of {$2100.00} first with XXXX on XX/XX/XXXX. Since then, XXXX and XXXX  are arguing neither is their responsibility claiming the cancellation was triggered by XXXX XXXX connecting flight. XXXX  denied the claim saying since the ticket was purchased from XXXX, XXXX  should be the one issuing the refund. 

I then filed a claim with American Express used in purchasing both tickets. It's being processed pending response from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021 apps XXXX Mountain Time. 

Deposited stimulus check for {$2800.00} made out to XXXX XXXX XXXX XXXX XXXX ( wife ). The ATM took the check and said " Your deposit could not be completed. '' It gave my card back and spit out a tiny useless receipt with no dollar amount on it. The ATM screen turned red and said " This ATM can not accept cash or check deposits at this time. '' ATM is at Chase Bank at XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

{$2800.00}, stolen, by a multibillionaire bank. 
Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 CERTIFIED CREDIT, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 CREDIT  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA 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 2022-09-05
Company: AMERICAN ADVISORS GROUP
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called AAG XXXX XXXX, in XX/XX/2022. I ask basic questions about what i needed to qualify, since my property was inherited. XXXX XXXX was my XXXX XXXX XXXX XXXX. This guy handled NC, and should have been familiar enough with the requirements, before i spent a bunch of money preparing them for the loan. When my info finallly went to their Title company, XXXX XXXX came back in mid XXXX and told me i would need a Letter of Testamentary. Had i known this, i would never have pursued the loan, because my brother is executor and would not get this. I had to force him to even file the will. 

My main problem, is XXXX XXXX should have known that the Title company would need more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have disputed wrong addresses on my credit report several time and Transunion, XXXX, XXXX  still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry 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 2022-03-09
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have been made aware that someone got a payday loan in my name using my birthdate social security number and I wasnt aware of this still I starting receiving invoices in the mail that it was being paid by someone and then I was aware that I needed to take action and I called the payday loan place and told them this wasnt me and that someone was using my information for this loan and they said that it was being paid but couldnt tell me anything other then that and that they would report this as fraud and they would close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Account information incorrect

Complaint:
Equifax should not be reporting me as an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item from XXXX XXXX on XX/XX/2020. I returned the item on XX/XX/2020. I was still charged shipping and handling of {$21.00}. I paid the shipping and handling. They received the order back but did not credit my credit card right away. I was charged a late fee. So I contacted them. They kept saying I still owed the {$80.00}, which is the cost of the item minus shipping. I told them I did not owe them and to credit my credit card. They still did not do that. I did not pay anything more because I did not owe this debt. They even put it on my credit file as a late payment and it negatively affected my credit score. I called them again. They still kept saying I owe this money even though they had the item back and the shipping had been paid. Now they are still sending bills saying I owe over {$150.00} and that is all in late fees. It has again affected my credit score negatively. I do not owe these people and I want them to cancel these late fees and send information to the credit bureau that this debt is paid. It should never have gotten this far and I am tired of arguing with their incompetent representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
It is ashame to see that after Mr. Trump deregulations the banks immediately jump to increase their profits by unfair polycies : US Bank is sending notifications that starting XX/XX/XXXX they will charge {$25.00} ( rounded ) to checking accounts if clients do not maintain {$25000.00} in deposit or balance in credits with them. Is this the intention of Mr. Trump polycies? Can CFPB do something about this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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:
XXXX  AND EQUIFAX PROVIDE FALSE INFORMATION AND ISSUED FALSE STATMENTS ABOUT THE PUBLIC RECORD ON FILE. XXXX AND EFX STATED THEY VEIFIED WITH THE FURNISHER - THE COURT THE ACCURACY OF THE BANKRUPCY THAT WAS FILED 10 YEARS AGO THUS THEY WILL CONTINUE REPORTING IT ... HOWEVER, I CONTACTED COURT AND CLERK ISSUED IN WRITING STATEMENT THAT THEY THE COURT DO NOT REPORT, VERIFY OR VALIDATE ANY AND ALL INFORMATION TO THE CREDIT BUREAUS. 
THEN EQUIFAX STATED THEY RECEIVE THIS FROM 3RD PARTY FURNISHER XXXX XXXX  WHOM I CONTACTED AND AGAIN RECEIVED IN WRITING STATEEMENT THAT THEY ARE NOT NOT NOT REPORTING ANY BANKRUPTCY ON MY NAME OR SOCIRAL. 
I HAVE BEEN REQUESTING THE DELETION OF THIS ERRONEOUS BK FROM MY CREDIT REPORT FROM SEVERAL MONTHS NOW, ONLY TO RECEIVE AUTO GENERATED RESPONCES FROM BOTH OF THE BUREAUS. NOBODY IS READING OR LOOKING AT THE SUPPORITNG DOCUMENTATION ... THIS IS VIOLATION OF MY CONSUMER RIGHTS AND IT IS A VIOLATION OF F.C.R.A. A FEDERAL VIOLATION. I CONTACTED DA OFFICE AND NOW PREPARING MY COMPLAINT TO ATTORNEY GENERAL 'S OFFICE AND WILL FILE IF THIS IS NOT DELETED FROM MY REPORT IMMEDIATLEY US BKPT CT CA XXXX Identification number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX has HIRED Diversified Consultants Inc as the collection agency to try and collect a debt. They are USING an INTIMIDATION TACTIC by placing the DEBT on my credit reports WHILE they are TRYING TO VALIDATE THIS DEBT. I have NO signed CONTRACTS WITH THIS FIRM THAT OBLIGATES ME TO THIS DEBT and the fact that they placed it on my XXXX, XXXXXXXX  & XXXX   Credit Reports is a violation of the FAIR CREDIT REPORTING ACT & FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation