BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was going to be put on a temporary furlough with my company stating XX/XX/XXXX - XX/XX/XXXX. When I contacted on the phone my mortgage company, NewRez, in XXXX, they informed me that don't worry about making the XXXX payment after I explained my situation and that I will receive more information from them about Forbearance. 

My next point of contact ended up being XXXX who works for their debt collection part of the company. He informed me that in order to file for forbearance our account has to be behind a payment, so I didn't make any payment in XXXX. He told me I needed to wait until XX/XX/XXXX to request forbearance. 

So I did, as they told me to. They reported our account to be delinquent to the credit bureau resulting in our credit going down XXXX points. They never once mentioned that they would be reporting us delinquent, they sent information that showed that but not until AFTER I did what they told me to do for the forbearance. Not once in my contact with XXXX did he mentioned the reporting of our account being delinquent or that it could affect our credit score if we did not make XXXX 's payment, which they basically told us not to do so they can put in forbearance. 

I was working with them at the end of XXXX, they knew the dates and the only thing I asked was to get help with XXXX. They put in the request XX/XX/XXXX and didn't start our forbearance until XX/XX/XXXX. So the only months we needed help with, they didn't even help and are now going to be reporting our account again for XXXX as we don't have the funds to fully pay XXXX 's mortgage. 

" XXXX. Non-delinquent borrowers were denied forbearance Under the CARES Act, forbearance has been open to borrowers who are current on their mortgages, but some applicants were told that only delinquent borrowers were eligible for it. As a result, some borrowers were instructed to only apply for forbearance after missing a mortgage payment. That was truly bad advice, because even a single delinquent payment could result in significant credit score damage. '' This is exactly what they had us do. 

So we are now about to get hit with a SECOND delinquency to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 and recently a fraudulent account appeared on my credit report from " XXXX XXXX  ''. I am not familiar with this account and it is not mine. The fraudulent account caused my credit score to drop which is causing me a lot of emotional and financial distress. Please delete this account immediately so my life can go back to normal.

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 2023-02-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
For the XXXX  time on XX/XX/XXXX ; I applied for a XXXX  from XXXX XXXX XXXX. I was turned down again with a score of XXXX. A Figure representative named XXXX; said it was because of a past delinquency. When I talked to Experian, they tell me that I have not had a delinquency for close to XXXX  years. But, they still are stating past or present delinquencies. Also, a XXXX loan is tied directly to my home. So, there is very little if any risk! If I have had my home since 2006 ; don't this count to a mortgage company for something? 

A XXXX score is considered good. Usually, a conventional loan requires a XXXX score. I need the government to question XXXX as to why they advertise a score of XXXX ; but my XXXX is no good to them! For the past XXXX years, I have had XXXX medical issues. But, I still made my payments within XXXX days. If I was a different race and in a different zipcode ; I believe that their system would have approved my loan. I will not stop till I prove that I am right! 
The government need to fix this problem. Too many minorities are being hurt by companies with their redlining software!

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 2023-07-30
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Company, Flagstar, refuses to send to me a monthly statement. I have spoken to a customer service representative and demanded the monthly statement. I have not received one in months. Perhaps I am merely being XXXX but I doubt that I am the only person experiencing this problem. No doubt Flagstar found it to be a cost savings move to stop sending statements. But, I think more is behind it. Without a monthly statement, I was late on a payment, which resulted in a penalty. This is the first time this has ever happened to me. Perhaps, this is a deliberate policy on Flagstar 's part. First, they save money by not sending statements ; then second, people will inevitably be late in payment, resulting in a windfall to added late fees. In light of other widely reported banking illegal practices, such as at XXXX XXXX and XXXX, I don't think that my suspicions are unwarranted. At the least, I want my monthly statement, but I believe that an investigation may reveal a more widespread practice.

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 2019-06-20
Company: EQUIFAX, INC.
State: VA
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 so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX  XXXX  XXXX  XXXX  XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Public record information inaccurate

Complaint:
As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my TransUnion credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, TransUnion has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, TransUnion has CHOSEN to continue reporting this information on my file. My confusion is how is TransUnion in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX XXXX who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, TransUnion has chosen to continue reporting this inaccurate information further damaging my credit worthiness.

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 2021-08-03
Company: Bread Financial Holdings, Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Shellpoint Partners, LLC
State: TN
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:
Shellpoint mortgagee is reporting a foreclosure on my credit report. I never had a mortgage with this company, never heard of them. I have never had a mortgage for the amounts or dates they are reporting. This inaccuracy is preventing us from getting a va home loan. I think they have something to do with XXXX. XXXX illegally foreclosed on my husband 's va home loan when they were not supposed to, but I don't understand where this shellpoint mortgage company is related to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent letters to all three major bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my credit report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance {$840.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$840.00} PORTFOLIO XXXX-XXXX Balance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For more than 200 years, Chase has been one of the worlds leading financial institutionsits reputation beyond stellar ; its customer service unparalleled. Thats why I chose Chase to handle my mortgage. Thats why I am appalled about my latest encounter with Chase. And thats why I am reaching out to you.
Recently, I mailed Chase three mon  ey orderstwo in the amount of {$500.00} and one for $  XXXX  satisfy my account before  XXXX   XXXX ,   XXXX  . Chase stamped the money orders several times before realizing that the total would not bring my account up to date and returning the money orders to me.     In the meantime, my mortgage had been sold to  XXXX   XXXX   XXXX , where I sent the stamped money orders to satisfy my current mortgage obligation.  XXXX , however, will not accept the money orders because they were written out to and had been stamped by   Chase.
In an effort to rectify this situation, I spoke to three Chase mortgage banking specialists   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  of whom told me that because of this error  three separate checks would be mailed to me within five business days. ( Each conversation was recorded by Chase. ) After more than a month, I have not received the checks as promised, nor have I heard from Chase regard ing the status of the checks.     I tried to return the stamped money orders to the store where I purchased them, but they will not accept them. I also called the money order provider,  XXXX   XXXX , which informed me that I would have to pay {$50.00} for each money order and that I would need a copy of each money order as well as the stubs, which I do not have, before a refund can be processed on my behalf.     As it stands now, I have lost {$1100.00} due to Chases mishandling of my money orders and misinformation over the phone.     I do not know what else to do. I am on  XXXX  due to major health issues, so my funds are limitedand this situation is causing me even more distress. All I want is for Chase to send me the money I am owed, the money they promised.     Now as of today,  XXXX / XXXX /  XXXX  , I spoke to a  XXXX   XXXX   XXXX  at  XXXX  Mortgage Banking  Executive Office . She suggested that I return the money orders back to the store where they were purchase. I reminded her, that the store does not do returns on stamped, written and dated money orders. She than suggested that I call  XXXX   XXXX . I reiterated that I will be charged {$50.00} for each money order. That is {$150.00} that I do not have.       Please help me rectify this issue with Chase before my home goes into foreclosure.
  My reference number -  XXXX  Thank You so much in advance!    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CITIBANK, N.A.
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
Dear Sir/Madam : I am a XXXX XXXX XXXX XXXX On XX/XX/, I purchased a roundtrip XXXX XXXX XXXX plane tickets for {$1400.00} from XXXX XXXX  to XXXX, XXXX and back via search engine called XXXX at XXXX : XXXX. I received the attached email confirmation from XXXX on the same day showing the {$1400.00} that I paid. However, later I saw a credit card charge in the amount of {$1400.00} on XX/XX/. I submitted a dispute online to my citibank costco visa credit card on the same date for the amount of {$40.00}, which is the difference between the amount I actually paid and was charged for. With the dispute, I submitted copy of the confirmation email I received on XX/XX/2023 from XXXX showing the {$1400.00}. However, on XX/XX/2023, I received a letter from the Citibank asking me to sign a letter confirming the disputed amount and mailing it to them. Citibank did not offer any faxing or emailing options. See the attached letter for details. I called Citibank on XX/XX/XXXX or XXXX explaining that I submitted digital copies of the confirmation letter and that I do not understand why I need to sign another letter and send it via mail. A customer service representative understood my issue and tried to be helpful by submitting additional information such as that I called confirming the amount and flagging the copy of the confirmation email with charged amount during the initial submission of the dispute. However, on XX/XX/2023, I received the attached letter from the Citibank stating that they were not able to resolve my issue and the charges will stay valid. I do not understand why Citibank continues to spend so much time to resolve a {$40.00} dispute which is costing it way more than that in labor hours and supply. It is also wasting my time. I am a great customer who brings a lot of business to the Citibank. I kindly request to refund {$40.00} in difference because I did not authorize the charge.

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 2021-08-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX Barclays Card. Promotional 0 % interest period ended without notice and balance of interest was accelerated into one payment that nearly exceeded the amount of principal paid on the card. When called, they did not waive or remove any charges. I would have never financed with Barclays if I knew they engaged in this usury. I ended up paying off the balance in full and closing the account. I took a {$600.00} hit for what I thought was a 0 % interest card on a specialty purchase financing plan. Also, I can not find anything on the website about my original account terms, thus I have no way of determining if this is even the right promotional period. Very distressing. Shame on them for bait and switch and shame on XXXX for participating. I want nothing to do with them anymore.

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 2021-08-03
Company: EQUIFAX, 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 had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX during COVID. Each institution hasnt properly handled my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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 had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX during COVID. Each institution hasnt properly handled 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