BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage  Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to Experian and XXXX includes 1 ) dates of last activity on Experian, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.

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 2023-05-10
Company: Sentry Recovery and Collections, Inc.
State: NV
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:
My fiance and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiance and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiance 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my mother. I've recently began receiving voicemails from someone saying they are from SRCI. The calls are sent to voicemail as my phone deemed the calls as likely scam calls. The phone number is always different and not the phone number listed for the company.

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 2023-05-09
Company: EQUIFAX, INC.
State: NC
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:
This is my formal complaint regarding identity theft. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days of receiving the following : ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is unrelated to any transactions by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXXBalance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion XXXX To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both TransUnion and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.

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 2022-07-05
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: Account information incorrect

Complaint:
I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Past {$360.00} XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} TransUnion XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with Trans Union XXXX XXXX. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2022 I was struggling to make my minimum payment. I contacted them to work something out. They enrolled me in a program that closes my account, no longer charging interest or late fees and they would automatically take $ 33 monthly payments until the balance is cleared. The account disappeared from my app and the {$33.00} payments have been coming out of my checking account for 12 months. I have NEVER received a phone call, mail, or secure message in the app stating there was any issue and since the payments were being taken I assumed there was no issue. 
Fast forward to last week when the account appeared back in my app with a balance of over {$1000.00} higher then when I started on the re-payment program. When I contacted them last week they are stating the the first payment from XXXX of 2022 didnt go through and that un-enrolled me from the program, I never received anything stating this and they continued to take the monthly payment. When I asked if they could work with me to fix it ( either re-enroll me and waive the fees from the last year or give me my payments back ) I have been met with nothing but attitude from customer service representatives and lack of compassion. I asked for a supervisor and they said they would call me back. After not hearing back for a week I called them again. They said a supervisor called me but didnt leave a message. I can provide my cell bill showing no calls were made to me and the representative said Ill have a supervisor call you back but they are going to say the same thing, when I asked why the payments were being taken if I wasnt enrolled in the program she said because you authorized them, I told her I authorized the payments for the sole purpose of being in the program and if I wasnt in the program the payment should not have been taken and I would have know then there was a problem. I have no issues paying what I owe, but now I owe over {$1000.00} more for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: FlexShopper, Inc
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 Account was opened with my information while I was incarcerated. 
I have never used flex shopper Believe it could be a man named XXXX XXXX I think he stole one of my identification cards and possibly a social security card. I had a wallet come up missing about 3 years ago. Would like to press charges if it is him.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: Personal information incorrect

Complaint:
Hi, I had my first name changed last year to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I reported this to all credit reporting agencies XXXX, transunion and XXXX. This last couple months I tried to apply for a loan and it say I dont have any credit history and so most of my applications got denied. I have a long credit history from my previous name used and I still see my old name showing on all credit reporting agencies. Can we please fix this issue? Would like to hear from your office as well. Appreciate your time. 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them

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 2019-03-05
Company: SN SERVICING CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have problem with my 2nd mortgage company. The house is still underwater. The payments have been in default almost 10 years. I got this 2nd loan originally from XXXX XXXX, but it was sold many times without my knowledge, Now SN Service Corporation owns it. I am current and have been trying to get my 2nd mortgage loan modified since XX/XX/XXXX, but SN is Failing to Process the Application in a Timely Manner. SN has never been processed my loan modification and instead wants me pay {$20000.00} upfront and double the monthly payment for 12 months then they will get me a loan modification. They violated loan modification law to demand me pay {$20000.00} upfront and over charge monthly payments. Now they scheduled a foreclosure sate on XX/XX/XXXX. I want them stop and cancel the foreclosure date immediately and get my loan modification approved and make sure I get best deal according to my case since the house is still underwater. I have sent all required docs to them more than 6 months ago. In short, the servicer simply doesn't review my loan modification in a timely manner. Thank you! 

XXXX XXXX Loan # XXXX SN service corporation XXXX ext XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, XXXX, and Transunion Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately.

Thanks so much! 

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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a fraudulent instance on my XXXX account whereas someone used my App to " pay off the balance '' of my account. Once i discovered this, XXXX was unable to stop the electronic payoff and advised i call my Bank. XXXX advised this is a new scam whereas they pay of the balance with my set payment type and then charge against my credit line once " XXXX  ''. I immediately called Chase on XX/XX/XXXX and ask for a " stop pay '' and gave them the amount of the transaction {$2500.00} and XXXX as the transaction name and company. They assured me they would put a stop pay on the transaction and even offered to waive the {$30.00} stop payment fee. Three days later, they " paid '' the transaction when i did not have money in the account to cover it. When i called to complain, they advised they would " take care of it ''. I called in XXXX and XXXX for resolution and was told it was too late. By that time, they were charging " fees '' against this item that put me in a negative balance taking funds from my payroll to cover their fees. They then turned around, closed the account and reported us negatively in check cashing circles and are sending demand letters for the now {$2700.00}. 
They should never have funded this transaction, they should have rejected it. I want to be made whole and our names removed from Bad Check cashing databases.

Company response to consumer: Closed with monetary relief