BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im really worried that LVNV FUNDING LLC is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. LVNV FUNDING LLC has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX XXXX never granted consent to LVNV FUNDING to contact me. LVNV FUNDING has/ or purchased my private information without my consent. I never contracted with LVNV FUNDING. LVNV FUNDING is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand LVNV FUNDING to validate this alleged debt. 
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for LVNV FUNDING to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In  two pre vious complaints, Santanderconsumerusa has refused to cooperate with the CFPB investigation. They have issued statement, purportedly in response, that blatantly and illegally defy the authority of the CFPB and the government of the United States of America by making nonsensical, false and irrelevant statements regarding the account in question instead of responding as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was American Servicing Company ( ASC ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( Wells Fargo ) in XXXX  XX/XX/XXXX. ASC continued to report to the credit bureaus on the account although the mortgage was transferred to Wells Fargo, and I was then paying my mortgage to Wells Fargo. ASC reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from ASC still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( ASC and Wells Fargo ), and the one at ASC lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with ASC and Wells Fargo, all of a sudden Wells Fargo began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, Wells Fargo refused to change their report and so did ASC XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that ASC needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to Wells Fargo XXXX Additionally, Wells Fargo also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.

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 2017-04-13
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to LoanCare in XX/XX/XXXX. In XX/XX/XXXX, XXXX mailed me an escrow analysis statement indicating my payment was reduced by approx. {$200.00} effective XX/XX/XXXX. I mailed LoanCare the reduced payment for XX/XX/XXXX. Shortly afterwards, I started getting calls about my payment. I called LoanCare and explained that my payment was reduced. They stated they needed to update their information and to fax them a copy of the XXXX escrow analysis. I faxed the information and emailed customer service but I continued getting calls. I called 3 times and eventually spoke to a supervisor. He assured me that he 'd correct the issue and he 'd send me a letter regarding any negativity regarding my credit. He left me a voice mail saying the issue was resolved. I then made the XX/XX/XXXX payment but I paid the higher amount because they were taking too long to fix the problem. I then received a statement from LoanCare with the corrected payment due and I made the payment for XX/XX/XXXX. I mailed my payment as directed. I checked my credit score in XXXX and it dropped XXXX points. When I reviewed the reason, it indicated my payment to LoanCare was 30 days late for XX/XX/XXXX. I called LoanCare again and was told they would call me the following day because the supervisor I mentioned was not in the office. I did not receive a call back. Since then, I received from Loan Care another escrow analysis and it is now indicating that the payment has gone back up again. I reviewed it against my old XXXX escrow analysis statement and there is only a difference in the amount being applied to principal each month XXXX different interest rate? ) ; hence, there is less available to pay the taxes and insurance ( Both are the same amounts as in the previous year ). I have called, faxed, emailed, begged and pleaded for this matter to be resolved and for my credit score be corrected but they are not doing anything. This is ridiculous that I have had to spend hours on the phone and my score has dropped XXXX points. I have not done anything wrong but I am the victem of automated systems and customer service reps that cant help. What should I do next?

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 2022-01-04
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I Purchased an XXXX Watch from XXXX XXXX on XX/XX/XXXX and It cost {$2200.00}. The quality of the watch is bad and I have to send back to the merchant several times to fix and did not get the watch back for almost a year. I don't have any patient and would like to dispute the transaction since I don't have the product here with me. I contacted the merchant many times by phone, mail, emails to manager, chat with customer service ... But no hope. 

I contact Bank of America to request a dispute for that transaction. I fill out papers, contact BOA several times and they denied my request because it is out of the time frame. It is very not fair, since my account was charge {$2200.00} for nothing. It would make sense if I keep the product! My case ID is XXXX and was opened on XX/XX/XXXX. I submits all papers on time to BOA, all documents to prove my case and a letter to explain my situation. I have no choice now to asking CFPB a request to stand on my side. Thank you and I hope to hear from you soon.

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: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted XXXX XXXX in XX/XX/XXXX/XX/XX/2017 to settle debt I had outstanding. Came to agreement to pay less than full balance to settle debt owed. Made 4 payments : XX/XX/17 : {$400.00}, XX/XX/17 : {$590.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00} totaling {$2400.00} with the agreement this would settle the debt owed. Comenity bank breached our contract and sold the debt to another 3rd party in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted a complaint to the CFPB I.D . # XXXX, XXXX regarding Trans Union and the unfair, inaccurate reporting on my credit report. they still have not giving me any proof of how these items were verified, by who and they have not presented me with this information, they have closed the case and never given me any proof. I talked to the CFPB on XX/XX/XXXX which I said I wanted to reopen the case. I am respectfully reopening my original complaint, I am requesting vitrification from what source, Name, phone number of the people whom verified the accounts as belonging to me on my 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 2017-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have written a certified letter with return receipt to Portfolio Recovery Associates that was received on XX/XX/2017 and signed for by XXXX XXXX. The debt they are trying to collect on is beyond the statute of limitations and they repeatedly call after verbal requests and subsequently a letter. Their last call was by XXXX XXXX on XX/XX/2017 at XXXX, where she was informed of my letter and receipt by the company. She noted that the information was not uploaded into my account. This is the second call that I have received since I have gotten confirmation of their receipt of my request. This complaint is due to their violation of the law and not honoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Other fee

Complaint:
I was unknowingly enrolled in discover cards payment protection service since XX/XX/2009. I kept seeing the charge randomly on my bill and thought it had been a required service since I 'm positive I had never signed up for it. I researched it today and found out that they had a lawsuit against them for this service. I called discover and voiced my concern about feeling taken advantage of because I 'm fairly poor. They kept telling me the best they could do was reimburse me for six months. I 'm not satisfied with six months because they 've been charging me for this service for eight years now. They kept insistining that 's the best they could do. I feel really taken as a tale of at this point and hope there is something I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA Bank Paid {$800.00} toward my VISA account via a direct bank to bank transaction on XX/XX/2019. When I noticed the payment was posted but there was no change in the available credit, I contacted USAA. 

USAA indicated that there was a hold until XX/XX/2019. 

This is the XXXX season. More importantly, as a XXXX veteran, who served 20+ years, I am having XXXX XXXX on XX/XX/XXXX and had planned to use my card today and tomorrow. Although stated in their terms, this practice would appear to be predatory and unfair to veterans and American consumers, at large. 

Sincerely, XXXX ( XXXX ) XXXX 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 2022-04-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow paid {$530.00} on XXXX for earthquake coverage. However, Earthquake coverage premiums are not eligible for payment through escrow in California. Knowing that I had paid for the Earthquake coverage on XXXX. I contacted XXXX 's to refund the duplicate payment made by Shellpoint. XXXX 's can not find the payment and Shellpoint says the check has not been cashed. I asked for a stop payment and Shellpoint stated it was a bulk payment with other Inured payments on the check, not just mine. They could not issue a stop payment. Now my escrow account is overdrawn by the incorrect payment and I will be assessed next year for the shortage when there shouldn't be a shortage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NV
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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 a 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 2019-12-18
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
last year about this time i checked my credit report and i discovered that this unknow acct was placed on my credit report on all credit bureaus, apparentley it has been there since XX/XX/2016 i immediatley contacted all 3 major bureaus and explained i have no knowledge of said account i was prompted to dispute the inaccurate information and to contact the company i did explained that i dont even know anything about a XXXX XXXX XXXX, and this reporting is inaccurate and negativley impacting my credit score by placing a derogatory mark on my credit score. 
needless to say all info was verified by data furnisher. I have tried to dispute this over and over and the results are still the same.I would like to file a complaint with CFBP because i feel i have exhausted all measures to get this inaccuracy remove permanently from my credit report and history as well.. 
The Name of this company and address is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX USA I would really like to get this issue resolved and deleted immediatley from all credit bureaus.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint paid my homeowners insurance IN ERROR. Only my principal/interest and taxes were getting escrowed. I tried calling many times and got different reps that all had different solutions. I paid the {$2500.00} back. They are now sending me a refund because I paid more than their INCORRECT escrow analysis statement and are raising my note {$150.00} a month. I can not get a direct line to any supervisor to get this problem corrected. I have been on hold for over 45 minutes waiting for a supervisor as I am writing 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 2019-12-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card through Comenity for a medical procedure. I paid my account off in full on XX/XX/2019. In XXXX, they charged me {$23.00}. I emailed to simply ask what the charge was. I was told that it was an error and would be refunded to my account in full ( resulting me back to a {$0.00} balance ). This did not happen. I emailed several more times and had to eventually call them in early XX/XX/XXXX and speak to 3 different people, up to a manager. After all this, they explained that the charge actually was not a mistake, it was the interest accrued from the time I was billed in XX/XX/XXXX, until I paid it off later that month. However, the manager said that since I was told it would be refunded, they would honor it. I was very clear with the manager and asked if I would continue to be charged, and she told me no. I would have a {$0.00} balance and there would be no additional charges. By this point, with additional interest and late charges, there was an additional {$27.00}. It was finally refunded on XX/XX/XXXX and I was back to a {$0.00} balance. Then on XX/XX/XXXX, I was charged a {$2.00} " minimum finance charge '' again. I started again emailing them and after several emails back and forth, they keep telling me that since I had a charge on my account XX/XX/XXXX, that there is a minimum finance charge. No matter how many ways I explain to them that the charges were incorrect and refunded, and that I should have had a {$0.00} balance, and for them to read the notes on my file, they continue to charge me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020 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 2019-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Citizens Bank reposed the vehicle and has left the loan balance on my credit report. When I purchased the vehicle, a week after I had been driving it, they sent me and added a $ XXXX Finance charge, that was never discussed at the signing table.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A signed affidavit was sent and delivered to the CEO of the company, XXXX XXXX XXXX on XX/XX/2021 about an account and an alleged debt owed. There was a 5 business day time period to respond with an affidavit rebuttal pursuant to 15 U.S. Code 1681i ( 6 ) ( A ) due to past failure to comply. Without and affidavit response with rebuttal point for point you agree to fault judgment in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.

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