BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXXnder USC 1681g, delete this within 15 days.

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 2021-06-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint XXXX. 

Please read and do not close the account because Shellpoint says anything. 

I made the trial payments according to the statements sent to me by Shellpoint. Shellpoint sent statements with different trial payment amounts. I paid those amounts and asked for clarification. Shellpoint refused to provide clarification. So, I paid the difference in trial payment three.

Now, because Shellpoint sent different statements with different amounts, Shellpoint is claiming that I violated the trial payment for paying the statements that they sent. XXXX XXXX did not provide clarification during the trial plan that Shellpoint made an error in its statements for nearly 60 days. 

Shellpoint did not clarify their error in bad faith. Yet, I paid more than the Shellpoint statements required and Shellpoint is using my good faith to deny the permanent modification for the trial plan that I completed. 

Yes, I said that I could not afford the modification without the American Rescue Plan. But, Shellpoint did not provide all the options that are available to me given my completed modification application. Since I have a hardship related to Covid, which I asked for XXXX XXXX, XXXX, I should be able to get the permanent modification to start on XXXX XXXX, XXXX. 

I fulfilled the terms of the trial statements sent to me. This is pure harassment for XXXX XXXX, not to answer and provide clarification for nearly 60 days and then use Shellpoints lack of transparency to claim the offer was revoked in their XX/XX/XXXX response to the Consumer Financial Protection Bureau. 

I do not have an outstanding escrow balance is incorrect. Shellpoint owes me {$270.00} for the advance XXXX gave to Ditech. I have proof that the account is owed the money if Shellpoint wants to continue harassing me with inaccurate statements. 

In XXXX of XXXX, I also asked for a forbearance and trial payment. Please please someone help me because I paid the Shellpoint trial payment statements. So, I did not violate the the trial modification. Shellpoint did with the inconsistent statements regarding the trial payment amount. I thought the corrected the inaccurate 20 % they were using for streamlined modification. However, their actions merely served to create confusion to find a reason to deny the modification. When I paid the difference after XXXX XXXX, did not respond, Shellpoint tried to act as if I did not pay the third trial payment and would not deposit the check. Since I provided CFPB copies of the check and certified mail receipts, now Shellpoint is claiming that I the modification was revoked. Shellpoint made no notification of a revokation prior to inserting it in the response to CFPB on XX/XX/XXXX. They should not be allowed to revoke me completed trial modification for their sending differing statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX Balance : 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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I reviewed copy of my current credit report and show incomplete or inaccurate information listed. The creditor XXXX XXXX XXXX account number XXXX is show this alleged account paid as agreed. This creditor advised that due to payment received succesfully that creditor agree to delete this account. This was a payment received as pay for delete. This is not a dispute by a request for removal due to pay for delete. Please delete this account as creditor has agree to do so.

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 2022-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I request paper work for a refinance on the first week of XX/XX/2022, I havent receive the paper work as of yet! I called twice and the company told me I will get it be XX/XX/XXXX still have not received it! I called last week and they said it was in the email I still have not receive it! They put a sale date on my house before I complaint about the successor of interest rule and they never call me to explain they just put the sale date without even offering any other solutions Please send me paper work for a loan modification

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
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: Other problem

Complaint:
I have a credit card with c i t i Bank back in XXXX they extracted {$800.00} for my account without my permission and they refunded it. I was under the impression that they were not going to use that bank account for any more extractions. But they took {$1000.00} from me in XXXX and will not refund it they were told not to do that that account ever again and still they're not helping me after I have called three times

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 2022-10-26
Company: Nelnet, Inc.
State: IL
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 requested a refund for a payment I made on the student loan as part of the XXXX refund process. I submitted for the refund over 2 months ago on about XX/XX/XXXX and have not received it yet, and my account balance has not been updated. I have contacted Nelnet, my loan servicer, multiple times and they have still not issued for the refund for the {$10000.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called Chime XXXX XXXX XXXX XXXX XXXX CA XXXX at XXXX, on Monday to ask when my unemployment check would be deposited. He asked for the last 4 digits of my social security number, dob, and address. I gave him all of that. Then he asked how much, I said {$910.00}. He said he didn't need a confirmation number, but to send him a picture. He told me to download quick support, because Chime was updating their system. He said I wouldn't have to wait again for my money. I didn't give him my password. He said he was giving me {$50.00} for my inconvenience while he was updating my info. He took {$600.00} from my acct, and deposited into an account under the name XXXX XXXX XXXX. While I was on the phone w/ him, I went to an ATM and withdrew money to pay a bill. He didn't touch the {$69.00} from my savings. I now have {$28.00} in my account. I asked him why he was taking my money. He said he had to do it because his manager told him to. Even though he claimed to be a manager. I started screaming you are taking my money. He didn't stop stealing my money. I tried to call him back at the  number he was calling from XXXX, but it's no longer in service. I'd been waiting four weeks for that unemployment check. I filed a XXXX  complaint. Chime told XXXX they investigated and would not put the {$600.00} back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
Fed-loan servicing They mentioned my debt was {$27000.00} total loan they classified, when it was really {$24000.00} Mr. XXXX mentioned benefits will help with credit report. 
Mr. XXXX offered benefits to Prevent government from garnishments Make 4 payments of XXXX per month. First payment is XX/XX/XXXX. 
After those 4 payments were made, the rest of my debt would be granted. 
Original contact information : XXXX Representative / Account manager XXXX XXXX Manager ID # XXXX client care email : XXXX General Inquiry : XXXX Website : XXXX XXXX Cell That he texted me on was XXXX XXXX represented himself as a representative from the department of education. He had two separate companies that he was apparently working for. First was Fed-Loan Servicing, and second was XXXX XXXX XXXX. He would not give me any confirmation email about the status, and the details of our conversation until he received a method of payment. I received a code, and I provided it to him, and later I found out that the code gave him access to all of my financial aid benefits through FAFSA and XXXX. I'm afraid he has my banking information and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not have a contract with Ad Astra Recovery Services. They are reporting a fraudulent collections account to all three credit bureaus. This is affecting my creditworthiness negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Please be advised that Bank of America took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, Bank of America reported me again to XXXX in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal

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 2019-05-03
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: Information belongs to someone else

Complaint:
I am a victim of ID Theft since XX/XX/XXXX I have been victimized several ( 3 ) times throughout the years. My most recent was in XX/XX/XXXX-XX/XX/XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX   and XXXX  XXXX XXXX, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of domestic violence, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need 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
Consumer complaint received 2023-11-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I reviewed my two last statement and they have been issued with out list the list of detail purchase. they just have a general amount charge in the statements. 

I requested the credit card to send me a detail information to verified my purchases because look for me as some one made fraudulent purchases online. Also I made a police report. I continue making my normal monthly payments to the credit card however I did not understand why the balance is not showing the payment I made in the last four ( 4 ) ) months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$110.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). 

XX/XX/XXXX XXXX : Account frozen and reported to Discover using the phone application ( business office ). Charges removed pending investigation. 


XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$69.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). Card was denied due to account being frozen. 

XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX : Account reflected {$110.00} reapplied to my account. Discover investigation showed that payments made to the account ( had balance on the account prior to this ), it was in a local area, and that I did not report until XX/XX/XXXX. Have messages of reporting dispute on XX/XX/XXXX, but Discover says it doesn't count because it was to the business office. Police Report filed, and spoke to XXXX which showed evidence that I did not make these purchases. Discover says they do not have to honor the {$50.00} liability because it is up to the company. 

Police Report through XXXX Police Department Forgery Department XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: LA
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:
Im entitled to an accurate an complete credit report I have new evidence to show I never had a late payment from the credit reporting account XXXX XXXX XXXX XXXX XXXX XXXX I also have proof they have been looking into a DUPLICATE account under the same name XXXX which shows close, I DEMAND METHOD OF VALIDATION. as I have contacted the creditor as it is my right & have verified THEY ARE NO LATE PAYMENTS ON MY ACCOUNT ; I Demand a credit investigation be preformed. ( documentation attached. )

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 2022-04-30
Company: Army and Air Force Exchange Service
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$0.00} XXXXBalance {$1000.00} XXXXBalance {$160.00} XXXXBalance {$120.00}

Company response to consumer: Closed with explanation