BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Just notifying you of bad business practices by several mortgage lenders. My wife and I recently bought our first new home in XXXX, and have now been subject to two transfers of our mortgage as of XXXX. On top of this we have received several notices in the mail of companies wrongfully claiming to be the new servicers of the loan due to what is presumably our mortgage lender publicly disclosing our mortgage details. The companies in question thus far have been XXXX XXXX XXXX for the information disclosure and Shellpoint Mortgage for buying our mortgage and reselling it within a month of purchasing it to a new undisclosed lender that I know nothing about. This is ridiculous that I need to setup yet another account with a new lender that may or may not be my lender in a month. I dont want to default on my mortgage but I dont know who to legitimately pay due to these shady and misleading practices that seem entirely unnecessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: DE
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 complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late on my monthly payments. My payments for XXXX XXXX come out of my check weekly. I am submitting this once again. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 4 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time.. which means they didn't verify it as true. And these documents are admissible in a court of law.Please help me as this info they are reporting for Attorney General XXXXXXXX XXXXt account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once XXXX if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/2021 with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2019-07-20
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a net spend debit card with my information on the card. I did not apply for this net spend. This is the second time I received this. I called the net spend company and told them to stop sending me this. I did not request it.

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 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I had an account with XXXX and someone went on their website hacked into their website stole my credit card information and my billing information bought something for {$660.00} and when I called my credit card company to report the fraudulent purchase they said they would take care of everything closed the credit card account sent me a new credit card and said dont worry they knew it was a fraudulent purchase and that they would take care of everything now two months later theyre saying that I am liable for this fraudulent purchase

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-05-03
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have sent in copies of checks made out to freedom mortgage each month for my payment. They are trying to say that I am behind on my mortgage from XXXX of 2021. I have proof and sent it all to them with the copies of the checks cashed by their company. I have called numerous time and sent the checks in to get the account fixed. They have not fixed the account and keep giving me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity was stolen and used by an unknown person. I contacted the credit bureaus to place an alert. A police reort was filed and it appeared 3 or 4 accounts had been opened. I had MY ID Card, the company assigned to help me by my employer ( my ID was compromised as a result of a database hack ) We spoke with Experian, sent them the police reports, and they have been playing games with me. One account, XXXX XXXX has not come off. It is destroying me and my chances at employment. Yesterday I called and they told me yet s 3rd, yes 3rd investigation would be done. They are willfully not complying. They can not verify this information from the account because it is not mine yet they do not remove it.

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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX  XXXX. who reported it the XXXX, Trans & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never received a response from Transunion or XXXX. After investigation, XXXX removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX  XXXX who placed it back on all 3 bureaus again. I wrote a letter to XXXX XXXX, who also ignored me. Again, XXXX removed the item with no response from Transunion and XXXX. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX removed the item with no response from XXXX. Transunion took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: MO
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:
Purchased XXXX  air cleaner. best buy shipped it. shipped in original packaging per them. XXXX XXXX tracking shows delivered. however, we have a sign that states do not leave packages due to location. we contacted best buy who refuses to assist or refund. Citibank won't dispute since tracking shows delivered, which is the whole purpose of a dispute.

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 2022-08-12
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a call from IQ Data that I had a debt outstanding. They claimed that they had sent out XXXX letters on XX/XX/XXXX + XX/XX/XXXX + XXXX. I have not received these letter. 

They claimed they did not have to go to court to collect the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Citibank Checking account in XX/XX/2018 in response to a promotional offer. The offer was to open a Citibank Account with {$15000.00} and receive {$400.00} once all conditions were met. As of XX/XX/2018 the terms and requirements were met on my side. I have been in contact with Citibank multiple times with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, Transunion,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny 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 2019-07-21
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report shows an incorrect XXXX-day delinquency in XX/XX/2018 for FOUR loans, even though its all in 1 repayment from Fedloan Servicing. I believe this is when the repayment came out of deferment however I was not notified of when this occurred so I could continue my repayment plan. The account is in good status now and I have not had any other issue with this in the past. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and I'm not sure if they even have my address correct but I've lived here for 5 years. It is crazy to me that they can report 1 repayment FOUR times at a delinquency, and this needs correct and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Simple banking transferred to BBVA USA on XX/XX/XXXX. Since the transition, I have not been able to access my money. The enrollment for online banking and mobile banking is not working. I can not get through to BBVA customer service - it disconnects the call every time. I can not even access my money in order to remove it and bank somewhere else. This is my only source of money so to be without access is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Service Finance Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan for solar panel installation through XXXX, the lenders that I was passed off to by XXXX are XXXX  and XXXX XXXX XXXX XXXX.

While XXXX  was doing preparation work to install the solar panels Service Finance started contacting me asking if they could fund the loan, to which I told them that they could not and I expected it to be several months before we were at a place that the loan should be funded. They continued to call me daily and started increasing the call frequency to the point that they were calling me 4-5 times a day, I eventually had to threaten them with a harassment suit to get them to stop calling me. This was effective for about a week and a half until they called me on XX/XX/2018 and told me that the installer told them the panels were on the roof and that is what they deem installed and they would be funding the loan. During this call I told them that the panels were still not installed and that I did not approve of the loan, they told me that they deemed it installed and asked if I had any questions, when I said no they decided that was authorization to fund the loan.

We are now 2 months past the phone call on XX/XX/XXXX, Service Finance is telling me that I need to start making payments ( again, on a loan I did not authorize ), the installer still has my exterior wall torn open, the panels are not operational and I'm getting bills from my electric company. The installer told me they would fix the wall this week, on Tuesday I was told that I'd get a call back on when the repair person would be out, I never received a call back and when I tried to contact the installer Friday I was sent to voice mail and not called back.

I filed a dispute with the lender, which they denied because apparently not having questions about them funding a loan I did not authorize them to constitutes consent to them and they are threatening me with past due bills and ruining my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX AND 2 BRANDS  XXXX, XXXX XXXX PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO TRANSUNION CREDIT FILES..TRANSUNION IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING TRANSUNION LLC TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NY
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:
XXXX, XXXX,, Equifax Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Penn Credit Corporation
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:
I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: WA
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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