BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to resolve my home loan for the last 3 years without result. I have paid extra on my loan for the past 11 years and was under the impression that I would have paid it off by now, but instead they have continued to surprise me by charging more and more each year. The previous lender filed for bankruptcy and beginning XX/XX/XXXX I noticed payments werent posting correctly. I have called and called and faxed and submitted online review requests multiple times with different answers each time. The current lender Shellpoint-division of Newrez has additionally added {$4500.00} on XX/XX/XXXX to my principal balance, supposed fees from Bankrupt fees. I have neither authorized or ever filed for bankruptcy in my life. Upon pressure I was told it was previous fees not posted correctly. I requested a payment history and review to which upon review has many years of payment history missing and has multiple prior service cost assess and unapplied payments on the ledger. I have called and been told to write a dispute and I have multiple times-on XX/XX/XXXX after review of paperwork received and finding of charges imposed without authorization I sent another request of review to what they returned the response that they had already sent a response and to refer to the letter dated XXXX. This is a nightmare and a never ending loop of payments after payments without end for almost 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband ( now ex-husband ) opened up a CD, IRA in my name in XXXX of 1990 at the XXXX XXXX  in XXXX NJ. It was in the amount of {$620.00} with an 8.20 % interest rate that would mature when I am XXXX years old. I am currently XXXX years old. 
I have been holding onto this paperwork since my divorce 18 years ago. I have contacted the bank PNC which bought out XXXX XXXX in the late 1990 's. They report having no records of the above CD. I have been given the run around and can not find any support. 
I have the paperwork in my possession. 
Please let me know what my options are. Thank you kindly for attending to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, XXXX, XXXX XXXX and Nordstrom regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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:
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

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 2021-12-01
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reach out to Pentagon Federal Credit Union via certified mail on XX/XX/2021 to exercise my rights to verified an alleged debt. 

Pentagon Federal Credit Union received my certified mail on XX/XX/2021 and they did not reply to me and I havent receive an audit trail & any other documents pertaining to the consumer credit transaction that I demanded in my cease & desist letter. 

I need this information to verify this alleged debt but Pentagon Federal Credit Union is ignoring me and this is an violation of my consumer rights

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 2021-12-01
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: Information belongs to someone else

Complaint:
I keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification due to a substantial decrease in income moving forward ( I 'm XXXX, and am on on SSA retirement ). I was paying my mortgage on time ( never missed a payment ), but it has been a struggle. I had never been delinquent on my mortgage. Nevertheless, XXXX XXXX XXXX had frozen my account online due to a " current bankruptcy ''. I admit that I had a discharged bankruptcy in XX/XX/XXXX, but it did not affect my mortgage, as I had no mortgage delinquent payments. Since then, I have been diligent about keeping my expenses within what I can afford. 

When I was denied the loan modification, the online block was lifted. I applied for an appeal, and the block was placed on my account again. Then I received a notice that my appeal was denied, and I was offered a " courtesy '' change in my loan if I paid a fee. I could not afford another month 's mortgage at this time. I called the customer service line used to ask questions about the bankruptcy statements and hold online. I had to wait 35 minutes to get a person. When I asked why they flagged this as a " bankruptcy '', the response I received was " Because as of this year, we can ''. 

Today I was able to pay my XX/XX/XXXX mortgage online by going to another site. However, the original site still has a hold for " bankruptcy '' on my account. 

I am planning to apply for a loan modification again, but would like Capital One to play by the rules and not make their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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:
I recently started to monitor my credit with extra time on my hands this year with me not being employed and i noticed someone has stolen my identity i have several fraud accounts in my name i have tried getting this matter resolved with credit agencies and they are no help please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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 status incorrect

Complaint:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? 
Thanks, 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 2020-10-08
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:
On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.

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 2020-10-08
Company: EQUIFAX, INC.
State: CO
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 a letter certified to Equifax in regards to three collections on my account. The collections account numbers are XXXX, XXXX, XXXX .They are reporting a collection with no original creditor. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon receiving it. They have not responded to the letter I sent and have since " verified '' the collection on my report without giving me any proof or method of their investigation nor providing an original creditor. Since Equifax has not disclosed this information and I am unable to contact the original creditor, please DELETE the following accounts from my credit profile immediately. 

I have attached the letter I sent to Equifax as well as proof of it being sent certified mail. XX/XX/2020 via tracking number XXXX XXXX XXXX XXXX XXXX and delivered XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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 information incorrect

Complaint:
This account has not been reported to the bureaus since my last complaint filed against XXXX with this office. The account is now paid in full and it is still reflection open and with a balance.

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 2021-12-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax told me to send my information to them to verify who I am I have faxed my information as well as mailed it to them and still, they are telling me to send them the same information I have trying for the past XXXX years with them I am at the end of my rope I don't know what else to do please, please help me I don't know who else to turn too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Sunday XXXX XXXX 2018 at XXXX - I get an email stating my order for XXXX $ worth of BCH was canceled by one of my debit cards on file with coinbase Sunday XXXX XXXX 2018 at XXXX - I get another email stating that my order for XXXX $ worth of ETH was filled in the amount of XXXX ETH Sunday XXXX XXXX 2018 at XXXX - I receive yet another email from coinbase stating that You have successfully sent XXXX ETH ( worth {$760.00} USD ) to XXXX using Coinbase. 

Now at this time I was nowhere near a terminal to make these transactions. The person/persons that ordered the ETH on my account sent the entire sum of my ETH including the XXXX ETH I already had in the account off of Coinbase in a matter of 4 minutes leading me to believe it was done through there api

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Global Lending Services LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2021 I was denied for an extension of credit and discriminated against by Global LendiXXXX services. I received no benefit from this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was only an authorized user on the account and I am not responsible for the debt. I have asked the company top remove all credit reporting but they have not.

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 2020-10-08
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I began the process of getting a mortgage in late 2019, I have no idea this collection was on my credit? I have mailed 5 bureau dispute letters requesting validation and proof this is my debt, plus I have mailed 3 direct letters to Convergent Outsource requesting factual proof, debt validation. I never received any response from Convergent? 

There is NO reported information on my XXXX report about this XXXX issue? 

I have uploaded all 3 letters mailed to Convergent Outsource with zero response from them!

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 2020-10-08
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS A FEW INACCURATE ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT YOU PLEASE HAVE THE ACCOUNTS INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2018-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}. 

I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft. 

XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned. 

The XXXX XXXX account number they have on their letter is XXXX. 
The XXXX XXXX account number they have on their letter is XXXX****. 

On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.

Company response to consumer: Closed with explanation