BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Shellpoint Partners, LLC
State: GA
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:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC assumed all financial and legal responsibilities for a XXXX XXXX Carriage Manor Doublewide mobile home ( vin # XXXX & XXXX ). This mobile home was in my name XXXX XXXX, with XXXX mortgage was the leinholder ( acct # XXXX ). All paperwork was signed and the transaction complete. My 1st notice of problems with this transaction came in XX/XX/XXXX. Upon notification of a XXXX point decline in my credit score. Further investigation led me to contacting the reporting delinquent company was XXXX lending. I was told the account XXXX was solely in my name that XXXX XXXX was no where on the paperwork as owner/responsible party. At the time the account was 3 months delinquent causing the direct decline in my current credit score. XXXX was contact by me to inquire as to why this property had not been transferred out of my name and into their company 's or LLC. I Spoke to a " XXXX '' who assured me this was an oversight and would be rectified and followed up with an email stating those months that had been late, but the payments had been made bringing the account to current status. She assured me via phone conversation, her company would be working with the lending company to restore my credit standing. That did not happen, I was at the mercy of both these companies. I felt I had no other recourse but to continue to maintain current on time payments on all other credit accounts to slowly rebuild my score back to the normal XXXX. 
Upon applying for a homeowner 's loan today, I have been confronted with the exact same problem only now the loan on the mobile home has been purchased by ShellPoint MTG who are currently reporting delinquency to the credit bureau negatively affecting my score in which ultimately reflected in my DENIAL for a homeowner 's loan. ShellPoint explained in almost the exact wording of XXXX ; this loan is solely in my name no other company listed as the responsible party. My name, but XXXX XXXX XXXX XXXX XXXX mailing information. Per the ShellPoint rep ( XXXX XXXX ) XX/XX/XXXX payment was made on XX/XX/XXXX exactly 39 days late, XXXX payment has not posted making XXXX payment 17 days late. My credit score has gone from XXXX to XXXX and now currently at XXXX due to the negligance of the company. I attempted to speak with XXXX Discount in reference to this matter, I was told once again by " XXXX '' all payments were made and made on time and that she did not know why this was still an issue. 
I'm looking to resolve this complaint with the transferral of this property out of my name and a complete restoration to my credit. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score.

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file.

These fraudulent accounts be blocked from my credit report.

I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter.

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.

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 2023-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2023-05-24
Company: EQUIFAX, 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:
Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation
Consumer complaint received 2020-08-17
Company: JPMORGAN CHASE & CO.
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:
I deferred my mortgage payments for the months of XXXX and XX/XX/2020 by calling chase bank customer service. I was approved because I needed to travel out of country. But now they are reporting it as negative for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was charged by XXXX {$240.00} for a hotel reservation for XX/XX/XXXX. On XX/XX/XXXX, I was charged by the XXXX XXXX XXXX XXXX for {$240.00}. When I spoke with someone in the accounting department of that hotel, they said they had not received my payment to XXXX. XXXX has said for almost a month now that they are waiting for their Accounting department to get back to them with more info. As a result of waiting and due to the charge being in XXXX XXXX, I am unable to dispute this with my credit card company. Clearly this was a double charge as I had already paid XXXX far in advance for this hotel room.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2020-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To avoid any unnecessary delay tactics from Experian, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Experian is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.

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 2023-07-25
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have four loans with American Education Services. Since XX/XX/2023, they have misapplied my payments every single month even though it is on auto debit from my bank account. I receive emails and letter in the mail stating that my payments are late. They are not late. 

I have to spend my time chasing them each month and it takes days each time to correctly apply the payment. They charge me " late fees '' and report it to the credit bureaus when my payments are not late. AES is the one who can not properly apply my payments. 

This is unacceptable. They are trying to charge me fees for their own mistakes and ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband is 100 % permanent XXXX Veteran due to multiple XXXX and XXXX and a XXXX XXXX XXXX. Our lender was XXXX XXXX. We went to forbearance transitioned to loan modification- we received confirmation on our approved loan mod via call, email and mails, when the loan was sold to Mr Copper. We continuously receiving confirmation of our approved loan mod from Mr Cooper. I set up automatic payment with my bank but was returned. When I called MrCooper I was told " although it's approved we have to wait for the written doc that needed for my Husband and I to sign and notarized ''. Since then I called them almost every week and I get same response " to wait '' coz it says it their notes it has been sent ( it was XXXX of last year XXXX  ). Since then I have been calling them but never get anybody answer the call, calls put on hold for an hour and no one return my call ( I leave message to depart that offers voicemail ). We've been receiving 2 kinds of mails asking for us to pay in full the missed payment ( during forbearance ) and missing payments ( amount that was approved for loan mod ). Starting XXXX of this year, we've been receiving calls 2x a day but when we answer, the person on the other end drop the call. We know it's from MrCooper coz we tried to call them back but couldn't get hold of anybody. They want us start a new Loan Mod with the current APR more than double of our approved interest rate. MrCooper Customer service called me back and finally gave me the reason for the mess " XXXX forgot to send them " one document '' and they can't get hold of them ''. Because of it, they're penalizing me? we are living in a twighlight zone for a year now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from M & T Bank, it was like a statement that stated an action as items returned. The amount was {$540.00}. The date this letter was issued is XXXX. I would have remembered doing or returning something in that amount, so I called M & T Bank to inquire. They told me it was identity theft and they caught it and made a note in their system that this was in fact not me! So now Im wondering if my information is all over the place. This bank did a great job in detecting it was fraudulent and sending me the letter. So I have no issue with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NY
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXXXXXX 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 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Account ending in XXXX Bank of America failed to supply complete monthly statements from XX/XX/XXXX to XX/XX/XXXX. Only partial account, nothing to arrive at proper balance or interest applied. 

need all monthly statements. I need a complete account number provided that Bank of America has not supplied.

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 2022-04-04
Company: EQUIFAX, INC.
State: FL
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 convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXights. 
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-04
Company: EQUIFAX, INC.
State: NC
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:
I have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

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