BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX was recently removed from my inquiries and it appeared again. On XX/XX/2023 I received a notification of a car inquiry I did not make. Please delete immediately

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to notify you of how disturbing it is that you select not to solve my identity theft issue due to an apparent error or significant fact misrepresentation. What power do you have to decide what constitutes relevant facts? You are not a judge, you are not a juror, and you have no right to any of these things. The Federal Trade Commission ( FTC ) mandates compliance with the law when it receives an identity theft report about identity theft filed by a law enforcement agency ( in this case, the FTC ). 

I believe that involving law enforcement is an essential measure to ensure a thorough investigation and resolution of the matter. I am committed to assisting law enforcement agencies in any way necessary to facilitate their inquiries. 

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 I trust that your organization will take this information into account and cooperate fully with any law enforcement inquiries that may arise from this matter. If there are any further actions required from my end to support this process, please do not hesitate to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgager, Newrez is currently cheating me on my mortgage by doubling my homeowners insurance. They recently inherited the mortgage from XXXX ( who originally errored by purchasing homeowners insurance when I already had it ) but so far either dont understand or refuse to make the corrections even though they acknowledge that I do have my own insurance. I tried to get the additional insurance removed by having my insurance company send proof time after time when first learned of the additional insurance notice but the mortgager at the time, XXXX, for some reason didnt take notice and now it is with the new mortgager, Newrez , who it appears is following in their footsteps. I have written numerous times trying to explain to them their own documents but again nothing ( please see statement in quotes below and attached document containing statement referenced-supporting documents ) : To Whom This May Concern : Again, I am asking you to remove the {$2300.00} from my mortgage payment as this is a result of the previous mortgager, Loan Care, erroneously soliciting and ultimately purchasing homeowners insurance for me when I already had my own insurance. You are charging me twice for insurance and there is a history of me trying to get this rectified with email notifications ( see Attachment 1, letter dated XXXX XX/XX/XXXX and please excuse language ) in addition to my insurance company providing whatever documents that required to show proof. 

I am spending and have wasted a lot of time trying to get this straightened out. It is my hope and desire that you stop referring to this as an Escrow Shortage thats due to taxes and realize instead that it is due to this additional {$2300.00} insurance cost wrongfully imposed on me by XXXX XXXX thats clearly spelled out in the Annual Escrow Account Disclosure Statement printed on your letterhead ( see Attachment 2 ) the actual property taxes will total {$2600.00} and will be due at the end of the year. Moreover, as part of an explanation : Monthly mortgage for XXXX and XXXX - $ XXXX Erroneous Additional Hazardous Insurance Charge from Loan Care XXXX XXXX XXXX or $ XXXX New erroneous monthly mortgage for XXXX going forward - {$1200.00} + {$190.00} = {$1400.00} Note : As with the previous mortgager, it is my desire and intention to eliminate the escrow account thus I am requesting to pay the insurance and taxes myself. 

Some reference to your response of my original message by : XXXX XX/XX/2023, XXXXXXXX XXXX Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mobile deposited a check that was signed over to me by my roommate and CHASE flagged the check as fraudulent and said they needed to verify the identity of the person who signed the check. So he gave then his phone number and they said they were unable to verify through the verification service that they use. This person has give to several branches in person with his ID and his phone to prove his identity only to be told that is not their policy anymore and they can only verify through their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NV
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/2023 Experian alerted me that my XXXX  XXXX account was removed from my credit report. There was nothing wrong with this account. I had previously told them this account was not fraudulent, and told XXXX XXXX the same thing. I have written XXXX  XXXX a letter confirming my identity telling them this account was not disputed by me. Experian still removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Prior to missing a mortgage payment, I completed a financial hardship application in beginning of XXXX. I received a letter on XX/XX/2023 that they needed one additional pay stub from the prior pay period and my insurance docs as I pay that separate from the mortgage. I spoke with them a couple times asking either for a forebearance or modification- some sort of assistance until I was able to get back on track. However, I was told that since I do have income coming in, I was denied for a forebearance and because my income was too low, I was denied a modification. 
So despite my request for some sort of assistance my options at this time are either to go into foreclosure, deed in lieu of foreclosure or sell the house. 
I don't understand why they are unwilling to provide me some options to be able to get assistance for a period of time until my income does stabilize? It seems they are pushing me into foreclosure instead of helping me find a shortterm workout plan. 
I am a XXXX  XXXX originating mortgages so they know very well just how devasted our industry has been in the past year due to historic increase in mortgage rates. I am paid 100 % commission so my pay is directly impacted by the industry lending volume. This year 's income was 45 % of last year 's income so they are also able to see that my current pay is not the norm but a direct result of Fed tightening. 
I indicated that I am not looking for any forgiveness of debt, I was requesting assistance in getting thru this unprecedented industry slow down and they denied my request despite my perfect payment history on all preceding payments and despite me reaching out for assistance prior to being late with my payment. What is the point of telling consumers to reach out to the server for help if they are unwilling to help during a time of financial hardship?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans have been forgiven by the Federal Government. XXXX and XXXX show that I have no open loans and that they are paid off. Experian shows that I still owe {$92000.00} to XXXX. My loan was transferred from XXXX to XXXX in late XXXX. It was then forgiven at XXXX in XX/XX/XXXX. Experian shows the balance at XXXX to be {$0.00}. In early XX/XX/XXXX, I provided Experian with my letter from the Federal Government stating that the loan has been forgiven, a screen shot from the FedLoan.gov showing a XXXX balance. They denied my request to remove the balance from my credit report. Then on XX/XX/XXXX, I provided them with the letter from XXXX stating that my loan was transferred to XXXX. I also provided them with a letter dated XX/XX/XXXX stating that the loan balance at XXXX was {$0.00}. Again they denied my request to update the credit report. They state that I still owe a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There is a company called Portfolio Recovery and XXXX XXXX that are trying to ruin my credit. These are debt buying companies that go around and purchase these acts for XXXX on the XXXX  and expect me to pay them. I have asked numerous times for copy of original creditor contract, copies of all payments made to original creditors with balances, and proof original creditor handed them of my acts and how much they paid for them. I have yet to receive any information Ive asked for. Ive disputed these accts several times with all credit bureaus and they have done nothing either but keep saying the acts are accurate and not providing me with the documents Ive asked for. If I do not receive them within 30 days the accts should be removed off my credit reports. They are still being reported. I want all these acts removed from my credit report. Ive already received lawsuit on one of these accts from XXXX XXXX I have to go to court over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Comenity Bank did not honor the Account Assure feature on the NY & Company store credit card account that I opened XX/XX/XXXX. I called Comenity Bank XX/XX/XXXX to ask for assistance during financial hardship due to illness and unemployment to recover from late payment fees that sent my account over the limit. I called the bank back and agreed to make minimum payments, however, late fees and over the limit fees continued to accrue, making any effort to pay useless. 

In XX/XX/XXXX, I called Comenity after a voicemail message from about the past due payments. Because I had no income, I asked if the account could be closed because I was not working and had no income, but they would not allow me to close the account in past due status. I asked about the Account Assure feature, and was told that I had to pay the past due balance before that feature could be used to keep my account current. I could not pay anything at that specific time. I called back in XX/XX/XXXX to try to make arrangements for partial payment, but the bank refused a partial payment and closed my account later in XX/XX/XXXX after refusing to allow me to close the account in XX/XX/XXXX. Within months, in XX/XX/XXXX, the account was closed and charged off. The bank added on late fees that ran the balance up to {$920.00}. The debt was sold to XXXX XXXX collection agency in XX/XX/XXXX. 

In XX/XX/XXXX, the account with XXXX XXXX was disputed and resulted in the account being deleted from my credit report, however, Comenity Bank has once again sold the account to ADS and the negative item is now back on my credit report since XX/XX/XXXX. The current balance is almost double the amount of the credit limit of {$450.00}. The last payment I made was in XX/XX/XXXX for {$28.00}. I did not receive any notification from ADS prior to the re-entry of the collection status for the Comenity Bank account on all three of my credit reports. 

ADS has not sent written communication to me to inform that they are trying to collect on a time-barred account, as the original account is past four years old. They are in violation of Texas HB 996 enacted on 9/1/ 2019 that states that buyers of old debts must provide consumers specific written notices in their first written communication if they are collecting a time-barred debt. The notice should tell that they can not sue to collect the debt and give the consumer information about whether or not they are reporting the debt on consumer credit reports. 

I have tried disputing the account, however, it still appears and updates with no explanation for the balance, and they have limited contact information. I have disputed the debt and requested deletion of the account at all three credit bureaus. The debt is still showing on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: LEXISNEXIS
State: AL
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 sent LEXISNEXIS a letter XXXX XXXX XXXX  stating I want my the bankruptcy deleted from my credit report because they violated my rights by reporting my personal information on my credit report. Due to bankruptcy clerk sent me a letter stating they dont report to the credit bureau nor agency. ( FCRA ) ( 15 U.S.C 1681 et seq ) I received a letter from LEXISNEXIS stating they deleted the bankruptcy but its not removed from my credit report. LEXISNEXIS stated they deleted it XXXX that it would be deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX  performed an unsolicited off-cycle bureau report on XX/XX/2023, which inaccurately showed a balance of {$1700.00} and a {$2000.00} credit limit ( 77 % utilization ). As a result, my Fair Isaac Corporation ( FICO ) score dropped by XXXX points with Equifax and XXXX points with XXXX. I contacted XXXX Bank on XX/XX/2023, and spoke with a supervisor who assured me they would submit a correction to the credit bureaus. 

After XXXX received and disseminated the correction, confirmed through my paid myFico subscription, my FICO score experienced XXXX point increase, returning it back to its initial benchmark on XX/XX/2023. However, Equifax who received the correction XX/XX/2023, allegedly providing the Fair Isaac Corporation with an update XX/XX/2023, has been unable or unwilling to address the lack of redress to the XXXX point drop in FICO score. 

On XX/XX/2023, I reached out to two myFICO representatives and three Equifax agents, but none of them were able to explain who is responsible for correcting the score. Furthermore, I have been unable to obtain any definitive information regarding the formal practices and policies governing the scoring algorithm 's handling of changes to previous inputs in order to minimize consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.

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 2023-01-04
Company: EQUIFAX, 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:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses XXXX remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Dave Operating, LLC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
The app lets yu settle early but its a tip function that if you are not careful ince you accept yor advance you get accidentally hit the tip button you can adjust it but once you go in the app to do so it always has an error message so when i message support they give me the same XXXX troubleshooting methods which I already know once you tell them that they stop replying but leave the help ticket open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.

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