BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I haven't received my XX/XX/XXXX mortgage statement from Shellpoint Mortgage servicing so I went online to get a copy of my statement ( statement date XX/XX/XXXX ). In the 'transaction activity ' section it stated that on XX/XX/XXXX I was charged a {$79.00} Late Charge due to not making a full payment by XX/XX/XXXX. Yet the same 'transaction activity ' section shows that they got a payment on XX/XX/XXXX a day before it was due. I called the XXXX phone number to speak with someone about why I was being charged a late fee and why my statement said I owed {$3700.00}. She looking into it and re-assigned my XX/XX/XXXX 'Principal Only Payment ' to a 'Regular Payment ' she also claimed to have taken the late charge off my account. She then asked me to check my account online and said it would show the changes she had made. As requested I checked my online statement which still showed that I had not made an XX/XX/XXXX payment and that I was late. She then told me it could take a few months for the change she requested to show up on my account. I then asked if I did in fact owe {$3700.00} as per my XX/XX/XXXX statement and she told me know due to the changes she had requested I should only owe my normal payment. I then asked if they would then issue a new statement to reflect that I didn't owe {$3700.00}, and she said no. I then asked if I could get something in writing stating that I didn't owe {$3700.00} on XX/XX/XXXX and she again said no. We also spoke of the fact that they had sent me a bill for {$120.00} in additional escrow owed in XX/XX/XXXX but for which they didn't cash my check till 3 months later in XXXX. She explained that it probably got lost in the mail. Ever since my mortgage servicing was changed from Greentree to Ditech to Shellpoint I have had problems with them properly posting my payments. They are always late and often mis-assign the over payments ( extra principal payment ) that I have made every single payment since the origination of this loan. I have over paid for almost 16 years now. I now have an XXXX FICO score and don't need a late payment on my credit rating due to Shellpoint mortgage improperly assigning my on-time payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I got a verify your email address email at XXXX, followed with a Welcome to online and mobile banking from bank of america XXXX called to find out it was not approved but was guided to flag my social from the bank of america representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: OH
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:
Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed 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 XXXX XXXX XXXX XXXX Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened in my name through XXXX XXXX XXXX on XX/XX/XXXX, but was not done by me. I had reported identity theft during that time. Purchases were made and not by me. The card was charged off on XXXX XXXX, XXXX. The company kept sending me bills and phones calls to pay the bill. Each time they would call I would inform them that I did not open the card and I had identity theft during that time frame. I even ask them for statements where I would see the purchases, the amount and the dates of the purchases. 
I never received anything. The amount owed up to the time of the charge off is {$980.00}. The total amount has over {$600.00} of late fees and interest accrued. XXXX XXXX XXXX sent my information to Midland Credit Mngt. when they charged off the account. The account showed up on my credit report when they charged it off and I disputed it then. 
They took it off the credit report, then just recently they put it back on. And now I also have a lawsuit for this account. Once I received the information about the lawsuit, I immediately contact Midland Credit Mngt and informed them this was fraud and I wanted to dispute it. I also was requesting statements with the purchases, dates and amounts so I could do my research and to prove this was fraud. They informed me they could not provide me with the information, but to contact XXXX XXXX XXXX. I contacted them again and requested the same information, they said they would try to send me the information. I never received it. A month later, Midland Credit Mngt. cancelled my dispute and are about to garnish my paycheck. I need to get this resolved before they do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this letter to fight against this charge-off of my credit card account with Capital One. I first opened my account 3 years and 3 months ago. They have me at a charged-off balanced at XXXX. I made an uninformed decision 3 years and 3 months ago when I first opened this account. The only evidence of debt was the agreement but that agreement is null in void because I made an uninformed decision and I did not understand its meaning, it was not clear and conspicuous. I was not aware that I could dispute or do anything with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Bread Financial Holdings, Inc.
State: ND
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: Was not notified of investigation status or results

Complaint:
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff, XXXX ( hereinafter XXXX ) is a resident of North Dakota. 
3. The Defendant, XXXX XXXX, ( hereinafter XXXX. ), is a Ohio Corporation, with its principle address at XXXX. XXXX XXXX, XXXX, OH XXXX. 
4. XXXX. is the creditor with account ending in # XXXX. XXXX. alleged XXXX owed {$3000.00}. 
5. By XXXX reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
6. On XX/XX/2018, XXXX sent a letter to XXXX. advising to validate the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
7. There is evidence the Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
8. XXXX failed to comply with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
9. On XX/XX/2018, XXXX attempted to send a 2nd letter requesting XXXX. to once again validate the account. 
10. The Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
11. XXXX. responded with a letter on XX/XX/2018, stating the request was determined to be the same dispute and just ignored the request. They AGAIN failed to comply again with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
12. On XX/XX/2018, XXXX mailed a 3rd letter to XXXX. advising them to Cease and Desist any further contact with him regarding this account. 
XXXX. The XXXX received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
14. The Defendant contacted XXXX via mail regarding the account dated XX/XX/2018, said contact after a Cease and Desist letter is in breach of the law. 
15. XXXX. Violated FDCPA Section 805 ( c ) for contacting the Plaintiff AFTER receiving the Cease and Desist letter. 
16. XXXX. still continues to damage XXXX credit score by reporting this negative and incorrect information to the credit bureaus. 
17. XXXX. has further violated the Fair Credit Reporting Act Section 623 when it FAILED to report to the three major credit bureaus that the account was being disputed by the consumer. 
18. SEE ATTACHED PROOF There are copies of my Credit Reports from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Look under Comments- THEY FAILED TO REPORT THE ITEM AS DISPUTED. This VIOLATES Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
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:
Did applied for well forgo credit card in XXXXSomeone did this without my consent which is theft and fraud. This needs to be removed from my credit report immediately. The account # on my credit report is 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 2018-09-07
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter requesting personal information to open a VISA card that I didn't apply for. [ This may be a scam ].

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 2023-04-03
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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$790.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00}

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 2023-02-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX requested a dispute from synchrony about a package I did not receive from Jcp. 

Said I will receive a letter in 7-10 business days about the dispute. That did not happen. 

XXXX-opened new dispute again With synchrony because I am not paying for a package I did not receive. 
They said XX/XX/XXXX Additional documentation from Jcp : confirmation of package received and they closed my case from XX/XX/XXXX. They told me to contact the merchant who will not resolve the dispute. I contacted them XX/XX/XXXX and they told me they could not do anything for the dispute. That is why I contacted synchrony to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXr # 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 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
An account from XXXX XXXX XXXX  reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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 2021-01-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has been reporting inaccurate information that they will not provide documentation for validating this account. I requested copies of signed contract, payment history copies and date of last activity which is not on the credit reports. They sent only a letter in response to my 3rd request in XX/XX/2020 but no information requested. I have sent multiple request. They are reporting and updating this account each month but different information for each agency and different addresses. I have mailed letters that have been returned because of the address they are reporting on my credit profiles are different so I haves mailed to each address they are reporting and my request finally was acknowledge but without the information requested. The credit agencies continue to report this information based off XXXX response and I have called them a couple times and sent copies of the letter I received from XXXX. Please help me get what I need to validate this account. Its wrong for them to report information they will not send information that I requested. I have requested that the account be removed because they will not provide validation documentation but my request have been ignored. Thank you.

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 2019-04-12
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have sent multiple letters to Experian disputing validation for an account they are reporting on my credit report. Experian has not provided me with any proof of validation, but instead just sent me a letter stating they have completed their investigation and no change was made as to the reporting status. I sent more letters stating that they are violation of FCRA Section 611 and that proof a validation and proof from the investigation is to be provided to me if asked or requested. Experian still sent me the same letter as before stating that they have completed their investigation and no change in status and that they have validated the information to be correct. Again I asked for proof of validation and Experian failed to provide me with any proof. I waited approximately 30-45 days between each letter. I gave Experian ample enough time to complete a thorough investigation and Experian has not been able to provide me with an documentation from any of their investigations. I then decided to call Experian and spoke to XXXX in the dispute department, who would not give me any other identification, who stated that Experian does not have to provide any proof of validation or any documentation from any of the investigations they have done from my disputes. XXXX stated that Experian does not have to tell how they validated any of the information and all they are required to send to the party disputing is only the results of the investigation with no documentation supporting their outcome. According to FCRA 611 ( 6 ) ( B ) ( 3 ) ... '' If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information to the telephone number of such furnisher, if reasonably available ''. I have given Experian a reasonable amount of time to provide me this information and they have failed to do so. I strongly believe that Experian is using the XXXX  XXXX to validate my dispute. I want my dispute to be upheld and expect Experian to delete the entity from my credit report as no proof of validation has been acquired. The entity itself has not even been able to provide me with validation, therefore how can Experian have validated something that the entity itself can not even validate. Experian is not providing valid and effective investigations into my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
An account from XXXX XXXX XX/XX/XXXXreported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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 2021-01-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Care credit is reporting a 30 day late on XX/XX/20 and I was never late! When I opened up this line of credit I had set it up with an auto draft payment so it was taken every month on time. I had never had a problem with it and I have never been late. On XXXX the payment was not taken as normal and I was never notified that my payment didn't go through. The only reason I noticed was because I took a look at my credit. I called immediately to resolve this and they told me I had somehow been kicked out of my auto draft? I never set this up and this is not my fault. They assured me that they would waive the fees and remove the late from my credit file. I thought this was done until I looked at my credit again and noticed this late is still reporting! This is erroneous and I was never late. This was their mistake and it needs to be fixed 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 explanation
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Had XXXX taken from XXXX Bank of America account, I have filled a claim and done everything I can do to get my money back to catch up on bills, I am about to lose my car and house because of this issue and the bank is no help. XXXX being told my claim will be handled when a XXXX is assigned to my claim but that has been 17 days ago. Please help

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