BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding a new loan which closed on XX/XX/XXXX. 
The mortgage company, Shellpoint, has incorrectly set up the amounts in their system and continue to tell us we are past due, even though we have made every payment in full and early. 
The first payment of {$7600.00} was due on XX/XX/XXXX ( paid and cleared our account on XX/XX/XXXX ). Payments as per the legal closing documents are {$7500.00} interest plus {$120.00} escrow. Shellpoint has documents online showing the payment is to be that amount. 
Shellpoint set up the mortgage payment incorrectly in their system, although they told me on XX/XX/XXXX that it would be corrected within 2 weeks it is still not correct. 
I contacted them numerous times via phone and email and have spent HOURS trying to get them to correct their system. 
We have paid our payments EARLY each month : XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account on XX/XX/XXXX for the XX/XX/XXXX payment We received a letter in the mail this week dated XX/XX/XXXX stating that we were past due on the XX/XX/XXXX payment by {$1000.00}. We received a letter via email dated XX/XX/XXXX stating that we owed an additional {$660.00} for theXX/XX/XXXX payment ( which was paid in full ). 

I have contacted them on the phone : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau Attn : [ Specific Department, if applicable ] [ Street Address ] [ City, State, ZIP Code ] Subject : Request for Assistance Regarding Negative Credit Reporting Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding my credit score adversely impacted due to a forbearance granted by Mr. Cooper 's mortgage company. 

I am a responsible homeowner and have diligently made timely payments toward my mortgage with Mr. Cooper for several years. However, due to unforeseen circumstances, I faced financial hardship during the month of XX/XX/2022 and was granted a forbearance by Mr. Cooper which would break up XXXX 's mortgage into equal payments over the following six months. It was my understanding that this forbearance would not have any adverse impact on my credit history. 

Regrettably, I recently discovered that Mr. Cooper reported the forbearance period as a 30-day late payment on my credit report. This inaccurate reporting has significantly affected my credit score and undermined my financial stability and future creditworthiness. 

I believe that this negative credit reporting is unjust and unfairly tarnishes my credit history, considering the circumstances under which the forbearance was granted. I have diligently fulfilled my financial obligations and acted in good faith throughout this difficult period. It is disheartening to see my creditworthiness compromised as a result of the very assistance I sought to maintain my financial stability. 

I kindly request the Consumer Financial Protection Bureau 's assistance rectifying this matter. I would appreciate your intervention in contacting Mr. Cooper 's mortgage company on my behalf to investigate the inaccurately reported 30-day late payment and request its removal from my credit history. 

Enclosed are supporting documents, including correspondence with Mr. Cooper, demonstrating the forbearance agreement. I believe these documents will help substantiate my claim and support the urgency of addressing this matter. 

I am confident that with your intervention, we can resolve this issue and restore the accuracy and integrity of my credit report. I sincerely appreciate your attention and look forward to a prompt resolution. 

Thank you for your time and consideration. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 2023-01-01
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: Investigation took more than 30 days

Complaint:
I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.

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 2022-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC 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 2021-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, If someone can assists me I would be really grateful. 
Looking forward for a reply soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
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:
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 2023-01-01
Company: AFNI INC.
State: MD
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 am a victim of identity theft. For a XXXX account I have never signed up for I started randomly receiving a bill in the mail for a past due bill. Back in XXXX which was my last communication I got a incident number XXXX I have recently have a collection with AFNI for this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my consumer report and I see Enhanced recovery company on my report. I do not know who this 3rd party debt collector is. It is illegal to purchase debt from a person who isn't the original creditor and its identity theft and a privacy act of 1974 issue. per 18 usc 1028a identity theft is a major crime, No person from this company has sent me anything concerning this alleged debt. per 15 USC 1692 B I was never communicated with concerning this alleged debt from this company and I have never given anyone persmission to communicate with me especially to a 3rd party or any party. I will not be paying any money to anyone concerning this alleged debt and if they want their money take it up with the united states of america because per 18 USC 8 all obligation concerning debt belongs to the united states of america. My identity was stolen and per 15 USC 1681-C I have filled out my identity theft packet and I will not be giving anyone any of my information so do not ask me to do so due to the privacy act of 1974. I opt out of this company reporting to my consumer report per 17 cfr 248.125.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account was open XX/XX/2019. The account is not mine. Theres no reading documents with my name on it stating that it is mine and I would like to see a written signature agreement with my name on it. The company did not provide me one please remove from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Pursuant to 15 USC 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. I NEVER gave XXXX  XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. This has caused severe stress and anxiety due to the abusive and unfair practices. These accounts are listed with late or missed or delinquent payments and that is incorrect. The following accounts were never late and should be listed as PAYS or PAID AS AGREED/CURRENT.. XXXX  XXXX Auto Finance # 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/1995 XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX You are breaking the law. Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : If you choose to not take my request into consideration, I will have my information removed from your database. I will no longer do business with you or any financial institutions that pull information from you. Your company has practiced unfair reporting methods. You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Allegiant Capital Recovery LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Everyone in my family is receiving calls and texts messages about this debt.. saying the I owe this debt and it is delinquent. They also call everyone with my last name and threaten to locate me to go to jail. A guy says he is a government official looking to locate me for jail or court if I dont pay. Called 4 family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$870.00} I got scammed. A person had send me a package through a delivery company called XXXX XXXX XXXX. The delivery person contacted me through messages to pay a shipping fee for {$870.00}. They contacted me again saying I need to {$4500.00} due to custom fees because of money laundering and kept on threatening me by saying how the custom officers would report me and put me in jail if I dont pay. The delivery person wont stop contacting me so I paid {$1500.00} through Chase XXXX. However, they kept on contacting me to pay other fees like I have to pay {$1000.00} to activate a bank account because they refuse to send money through my bank account and how they want {$10000.00} to be sent again. Which I did send {$1000.00} but not {$10000.00}. I had reported to the police officer and the XXXX XXXX XXXX. But Chase denied my dispute application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: DISCOVER BANK
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:
In accordance with the Fair Credit Reporting Act Discover Bank has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: AR
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 8th 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 XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$650.00} 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  XX/XX/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 2018-08-03
Company: EQUIFAX, 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 status incorrect

Complaint:
I took out a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX and made regular payments up until XX/XX/XXXX. At that time I enrolled with a debt consolidation company to attempt to resolve/combine my bills into 1 monthly payment. XXXX XXXX XXXX XXXX was contacted by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX, after other debts were paid off, to negotiate a settlement on this debt and XXXX agreed to a lessor amount than the original loan amount. My credit report is showing the status of this loan was a 'Charge Off '. This is not correct, as they are receiving payment each month against the debt. They agreed to the lessor amount so should not show as a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: SYNCHRONY FINANCIAL
State: AZ
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 am a victim of identity theft. I never applied for the following credit card : XXXX XXXX : XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On, XX/XX/2022, a money transfer in the amount of {$800.00} was initiated on the Chase iOS app through XXXX, the platform which Chase uses to handle transfers. The user whose money was sent to was incorrect, at the time there was no confirmation received in the matter of " are you sure this is the correct recipient? '' or anything similar to that. The person has since disappeared, any attempt to contact whether call or text has been unsuccessful. I and a third party, legal representative, have tried to reach to Chase to correct this in a timely manner in hopes of Chase reaching out to the bank of the recipient to hopefully refund the money, Chase has said numerous times that there is not anything they can do. This is unfair as I am not tech savvy and Chase advertises catering to users of all ages and backgrounds, that is those who are tech savvy and those who are not. In this case they have completely abandoned the situation and I am in dire need of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX  XXXX  Balance : {$10.00}, XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00}

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 explanation