BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is interest only mortgage, my interest rate and payment is adjusting to and higher rate. I've requested a mortgage modification with my previous servicer who was XXXX XXXX XXXX. During the processing of my modification request my servicer changed to ShellPoint mortgage. I requested a mortgage modification and submitted financial several times. I feel ShellPoint mortgage isn't processing my documents and updating my file with the requested modification documents I've provided. I would like for ShellPoint to finalize my modification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/, I applied on-line for a Quick Silver charge card with Capitol One after receiving mail offering no fees on purchases and balance transfers with a 3 % fee but no interest for a period of time ( not sure of the period of time because after this didn't work out the way I planned/thought it would, I cut up the card, threw it and the mail out and called the company to cancel - I fished half of the card out of the garbage but couldn't find the other half ). I followed my initial application - at the time of the application- with a phone call to ask about the balance transfer which is the only reason I made the application. I'm not sure if they told me at that time that my credit limit was {$1000.00} ( I didn't care about purchases and didn't know that the credit limit included balance transfers ). But during that initial phone call I specifically asked about balance transfers and am pretty sure that I told the representative that I was not interested in new purchases but had two large amounts I wanted to transfer. They told me that I would have to wait about 11 days to call and find out about balance transfers. If they did tell me then that my credit limit was {$1000.00}, I'm sure they never during that initial conversation told me that a {$1000.00} credit limit meant I could only transfer a balance of {$1000.00}. It was my understanding that " credit limit '' meant new purchases, new debt, new credit. It was a lengthy conversation and the representive had ample time to tell me that {$1000.00} credit limit included balance transfers. When I called back after the 11th day, there was another long conversation when I learned I could not transfer my two high interest card balances because of the {$1000.00} credit limit. I explained that perhaps I was only approved for {$1000.00} because of the other two cards, the balances of which would disappear after the transfer. During that conversation I cancelled that new account and cut up the new card. In the meantime, my credit took a hit, I am sure, so even if I find another company that would transfer my balances, I may not be approved because of the lower credit rating. ( A side note is that I had erroneously misreported my income by forgeting to include my income with a simultaneous second job- which I did convey to the representative during that 11-day follow-up phone call but which seemed to have no bearing. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX Mr Cooper Mortgage Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX COMPLAINT On XX/XX/XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX submitted a complaint against Mr. Cooper Mortgage Service, Texas. In response to your intervention, Mr. Cooper reopened the judgment two times. According to the bank to give our case consideration for a modification of loan. Mr Cooper never followed through to request financial documentations to do a loan work out. It was a delay tactic on the part of the bank to get your agency off their back. The primary objective of the bank is to execute a strict foreclosure on the loan. The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. TheLoan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr Cooper is now scheduled for Auction date XX/XX/XXXX, and XX/XX/XXXX as our law day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for a modification. We have the financial qualification for a loan modification. Both me and my wife have been in our current jobs for over seven years. ( Please see motion to open judgement and extend law date by the bank Mr.CooperXXXX XXXX . You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. Cooper/XXXX XXXX motion to open judgement and extend the law date on XXXX XXXX. The court document stated that the bank wanted to reopen the judgement and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

We put our house XXXX XXXX XXXX XXXX up for sale, and we found a buyer and got an offer and contract on the house. We hired Attorney XXXX through the recommendation of our realtor, XXXX XXXX. The attorney worked hard on the file, sent every requested document to the bank through the equator. Please see the letter written by the bank on XX/XX/XXXX, claiming that they never received the paperwork. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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 had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
You are in Direct Violation of The Fair Credit Reporting XXXX balance of {$230.00} XXXX XXXX balance of {$1000.00} has violated several of my rights. 


15 U.S.C 1681 Section 602 A Clearly states that 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 an 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. 

XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX  XXXX  Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Remove these late payments and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-03-26
Company: EQUIFAX, INC.
State: NC
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:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IN
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 accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts 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

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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called chase credit card services ( XXXX ) twice this week attempting to remove a late charge on my credit card. This had negatively impacted my credit score. I have had accounts with them for over 15 years I've never been LATE or missed a payment. I'm a XXXX year retired XXXX veteran. Who is trying to buy a home! Because of this matter I can not proceed. I told them I never received this statement in the mail. As soon as I found out I paid it promptly. By the time I paid it was already 30 days late. I actually had to pay both the due date and late payment at the same time. 
All I really wanted was a one time goodwill adjustment. Yet they won't grant me one ... Amazing, I've never been late for 15 years. Once I pay these people off I'm closing all my accounts with them and I'm going to tell everyone I know to say away away form CHASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Account information incorrect

Complaint:
The XXXX company reporting late payments to my account

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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 2022-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has issued Credit Reports for my SS # under the incorrect name of XXXX XXXX XXXX since the XXXX 's and after my repeated requests, has not corrected their misinformation. 
Therefore, I mailed a request to the company to include on the Credit Report for XXXX XXXX XXXX statement : Re : Social Security # XXXX Equifax erroneously lists XXXX XXXX on Credit Reports it issues regarding the Social Security Number XXXX as the name of the holder of this SS #. The true holder of this SS # is XXXX XXXX XXXX, aka, XXXX XXXX XXXX, XXXX. 
Since the XXXX 's Equifax has been reporting for this SS # the erroneous name XXXX XXXX and also accompanying erroneous credit information, despite requests that this information be corrected. 
There is no one in the SS # holders family by the name of XXXX XXXX, and no such person or entity is known by the SS # s holder. 
However, you can fully rely on the credit information of this SS # provided by the companies XXXX and XXXX whose information and data is up-to date and accurate. 
I am writing the CFPB to insure that Equifax complies with my legal right to have my statement added to my SS # 's Credit Report. 
I would also like noted that Equifaxs reporting this incorrect information and not correcting it is another instance of the companys incompetence, flagrantly demonstrated by its data breach in XXXX of the personal information of XXXX XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have repeatedly tried contacting XXXX XXXX XXXX since XX/XX/2021 about a derogatory account that appeared on my credit report for {$90.00}, part of an alleged {$150.00} owed that I was not given information about. They apparently sent it to a collections service, State Collection Service, with whom I contacted. I disputed this due to the fact I had not received notice of this. They too found that they had received incorrect contact information from XXXX XXXX XXXX ( on behalf of Illinois XXXX XXXX XXXX in XXXX ). 

They closed the account and sent it back to XXXX XXXX XXXX. I received a written notice of this and two phone calls confirmed. I have repeatedly contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check if this debt is legitimate and to verify it and have received various replies. The contact was in the form of several certified mail letters ( with receipts showing they were delivered to the correct address ) and about 8 phone calls or so. They admit they are upgrading to a new computer system and had my old address on file ( which doesn't make sense since I've used 3 other XXXX offices from the same XXXX and they have the correct contact information ). 

Each call I was told they are not showing anything, then a rapid call back, I was told that they do have a record of it but they haven't verified it with the Collections Company ( State Collection Service ). I now contact the collections company again and the representative as well as automated system has no record of any accounts for me. I call XXXX XXXX XXXX again and they say they received notice of this, but the system hasn't updated. I provided them with my correct information and each subsequent call I am getting a somewhat different story or finding out they still have the wrong contact information. 

I have repeatedly and in good faith tried to contact XXXX XXXX XXXX and its associated XXXX and they will not provide me with an answer except " call back in 10 days '' which I had been told 4 times. Each time I call, they have issues looking up the account, which actually exists, and then I am told that the account isn't " updated ''. This is ridiculous as if I owe a debt, I will gladly pay it, given I am informed of it. I have a perfect record of doing so, and when I am trying in earnest for almost 6 months to verify if it existed at all, they provide ambiguous 'answers '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated phone calls for a debt of some kind for someone I do not know. I think they are looking for someone named XXXX. I have asked them to stop but they call twice a day at least from multiple numbers.

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 2022-11-09
Company: Experian Information Solutions 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:
I have attempted to have a credit card which I paid off in full on XX/XX/XXXX, XXXX XXXXXXXX XXXX. I have called and submitted a dispute online with Experian because the account is listed as included in a bankruptcy however that information is incorrect. The XXXX XXXX Account was paid in full and closed at my request in XX/XX/XXXX not included in a Bankruptcy in XXXX. 

I have submitted a dispute on this matter online through the Experian website on the following dates and uploaded my last credit card statement on the following dates listed below and the matter has not yet been resolved it comes back as already verified. 


Experian XXXX XX/XX/XXXX XX/XX/XXXX ( not resolved ) XX/XX/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 2022-03-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX, XXXX Purchased a falafel from XXXX XXXX XXXX XXXX & XXXX XXXX At time of purchase, merchant failed to provide a reciept or show the POS for authorization. Original price for XXXX  stated on truck was {$6.00}. 
XXXX XXXX I check my bank statements and see a charge from the foodtruck for {$100.00}. I immediately call chase to dispute, as foodtruck does not have phone number posted anywhere. Chase applies a credit of XXXX to my account. 
XXXX XXXX, XXXX Chase does a chargeback on my account for the same amount. I call 3 times & recieve various responses but none stating WHY, except that " merchant provided a reciept ''. Chase claims they are no longer able to help me & i would have to contact the merchant. ( a foodtruck? with no number or address ) Thankfully i recieve a letter including the documents the merchant provided as " proof ''. Within the documents, I noticed the date/time at the time of sale the merchant provided was WRONG, time of purchase was XXXX am XXXX & the reciept they provided clearly states XXXX am. I bring this up to chase, and the agent over the phone AGREED that was a overlook, but i had to fax the documents where that was evident. 
XXXX, XXXX chase sends a statement saying nothing changed & the claim is closed, DESPITE validating the reciept was fraudulent. Their reason was " the merchant said services were provided '' The merchant was able to OVERCHARGE me, PROVIDE AN ALTERED SALES RECIEPT, PROVIDE NO AUTHORIZATION OR SIGNATURE FOR THE EXACT AMOUNT BUT THEIR CLAIM IS MORE VALID THAN MINE? Gross negligence, terrible customer experience not only from merchant, but the bank i've been with for nearly 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation