BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my XXXX  score shows XXXX, but the Equifax Mortgage Solution received a score of XXXX from XXXX. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and Equifax Mortgage Services I was denied a mortgage of which I clearly qualified for prior to the report they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to contact my mortgage company, Shellpoint, for months ( since XX/XX/XXXX/ XX/XX/XXXX ) to extend my forbearance. They have repeatedly made it impossible to get a person on the line to talk to, or provide a means of communicating ( email, etc ). 

Yesterday I filed a complaint with the CFPB regarding the fact that they would not even talk to me. 

Finally they made an effort to get in touch, and now they are asking me for additional documentation to extend the forbearance on the mortgage because their " lienholder requires it. '' They are falsely asserting the CARES act no longer applies because it expired on XXXX of XXXX. 

As a point of fact, the CARES act allows mortgage forbearances to continue past XXXX, and all I should need to do to continue my allowable forbearance is attest I am still affected by COVID-19, which I am. 

Shellpoint is therefore fraudulently trying to create hurdles to prevent folks from exercising options on the mortgage that is the mortgagee 's right. Further, it is my feeling they have effectively defaulted on their side of the obligation. Were I to refuse to speak to them for four months and then ask them to jump through hoops for something normal they would declare me in default, and foreclose on my property.

A mortgage holder does not have the ability to declare them in default and " foreclose '' on the mortgage. Therefore I am asking for regulatory sanction / punishment from the CFPB or applicable regulators to discourage them from future malfeasance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/22 - 3 fraudulent transactions totaling {$2000.00} were charged to my debit card.

1/19/22 - Dispute opened regarding the 3 fraudulent charges. 

XX/XX/22 - Claim denied with no reasons given. XXXX opened. 

XX/XX/22 - XXXXl denial reasons received. 

XX/XX/22 - XXXXXXXXl reopened with responses to all denial reasons. I am informed that provisional credit will be issued on or before the 10th business day. 

XX/XX/22 - 10th business day. No credit to my account. 

XX/XX/22 - Called regarding non receipt of provisional credit. Agent tells me that my issue is escalated and I will receive a response in 3 business days. 

XX/XX/22 - 3rd business day since escalation and no response. 

XX/XX/22 - 17th business day. No credit to my account. The type of transactions disputed are all debit card transactions and listed as eligible under the provisional credit guidelines. The highest available supervisor who could be reached by telephone in the claims department has confirmed my eligibility for the provisional credit. 5th business day since escalation with no response. Supervisor on phone support escalates my issue AGAIN and says I will receive a response within 3 business days. 

XX/XX/22 - Chime can not give me a reason why I haven't received the provisional credit that I have been confirmed to be eligible for. Escalation responses are not timely. XXXX credit is not timely. So I am left with no other option than filing a formal complaint. I have been a customer for 4 years and am being treated like a criminal instead of a victim. I have also filed police reports and provided them in support of my claim. Filing false police reports is a crime so you can bet your bottom dollar I'm not lying. I am the victim of fraud and federal regulations are not being adhered to. Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions 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:
I requested my credit report after using XXXX XXXX a few times and was alerted of having a thin file and all three credit bureaus were not reporting the same information. I once again saw added information that was more identifiable than my last dispute. Phone numbers, addresse that are once again do not identify me. I have more added personal information than accounts, good or bad. How is personal information added, removed and once again appear. My recent dispute showed a family members three phone numbers, address and newly added mispelled names along with addresses I have never lived in. I am alsio wanting to know how I am denied any loan, or equity credit on my propeety that is paid with no mortgage which I do not believe I have a decent credible history, same employer for 28 years and now retired. Today I discivered a possible loan on my property that if it exists, was most likely borrowed in hopes I would not have a clue so reported it to CA real estate for possible fraud since it seemed to be a transfer type cash loan which could not have initially be listed on an MLS listing without me in agreement, moving along I have applied for a small loan with XXXX XXXX and my credibility is below standard yet my property is a great asset that should be credible. 
In closing I believe the information being added is by someone I know. Should I make that person known to you or should I just check my reports more often? Also personal information in this dispute I am speaking of is XXXX does n't remove all I askex them to as if it has to be there like it or not which personal identifiable information should be the utmost part of your credit file

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing 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 2019-11-19
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a no fee credit card in XXXX. In XXXX i realized i had been charged a yearly fee and called American Express ( Amex ). They said they would change it to the no fee card. A few weeks ago i saw another yearly fee and realized they have been charging me since XXXX. When I online chatted with XXXX, an Amex associate today, I was told I would have to be issued different cards and be " downgraded '' to the no fee card. Apparently, Amex issued me a card I did not apply for ( the yearly fee card ). And, when i asked this to be fixed in XXXX ( the phone call at that time was recorded ), it was never fixed. Correct me if i'm wrong, but i believe that it is illegal for a credit card company to issue a card different from the one you applied for, without your consent.. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: SYNCHRONY FINANCIAL
State: KY
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 requested a credit balance refund for my XXXX XXXX on XX/XX/XXXX. I was told I needed to send in proof of payments that were made on XXXX and XX/XX/XXXX. I was told to send them via Secure message which I did on XX/XX/XXXX. I received confirmation that my documentation was received on XX/XX/XXXX. 

On XX/XX/XXXX I asked support what the status on my refund check was. I was told that the request was denied as they needed to receive proof of the payments. I told them that I sent in proof of the payments on XX/XX/XXXX. I was told they they could not access them as they were customer support.

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 2017-11-10
Company: EQUIFAX, INC.
State: PA
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:
XXXX finance and another company has two recent hard inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX overcharged me interest on a credit card between XXXX. When I couldn't pay the monthly amount, the account was charged-off. They later sent me a letter explaining their mistake ( attached ). However, the charge-off remains on my credit report and is adversely affecting my credit and employment prospects. I feel as though the charge-off should be removed. When I contacted XXXX, however, they said they " don't remove negative information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My personal information was exposed in last years data breach XXXX XXXX XXXX to be exact as in my SSN and other info

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 2017-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business account over a year ago and later realized the account was not the type I needed for my business, so I withdrew the funds and transferred them to another bank. I have not used the account since that time and assumed there would be no further issues related to it. In the past few weeks I 've been receiving emails telling me the account is overdrawn. Here 's an example " We 're writing to let you know that there are insufficient funds to complete recent activity for your deposit account ending in XXXX. '' I see no reason for this kind of thing and stopped at the branch yesterday where a drive-up window agent told me someone would call me this morning to discuss the matter. It never happened. More of the same nonsense!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts that are not mine on my credit report. Experian states that they have verified the debt but there is not physical evidence that this debt is mine. No signature what so ever. These are fraudulent accounts and and i want them removed 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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : Ally Financial Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX DEALER XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX   XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX & CO Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

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 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX** XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX CAPITAL ONE XXXX XXXX XXXX Date XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any forms of verification on this debt that is being collected by rent recovery solutions a company based in XXXX Georgia. I have tried to reach out and get verification of the debt and talk to someone about the next steps I should take and I constantly get sent to my agents voicemail system. They have never called me, emailed me, sent me a letter or anything regarding this debt or what to do about it. They have a history of taking peoples money and not removing the debt from credit reports and Im not going to let that happen to me. They are in violation of my rights by trying to collect on a debt that I have not been given the opportunity to look over and verify. I have disputed this debt twice through XXXX  with no luck and have still even after the dispute never received a letter or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a mortgage equity loan with PNC Bank. I had a 60 day late payment put on my credit report in XXXX of this XXXX. I had been attempting to make the payment and dropping the payment in the night deposit as i do not have any other type of account with them. They were also transitioning all of the accounts do different account numbers at the same time, for what reason i have no idea. So i had written my old account number on the attempted payment. They did not attempt to cross reference the account numbers or anything and instead just held onto my payment. I did not realize this until almost two weeks later when i received something in the mail stating that no payment had been made. Again i do not have online access since i do not have any other type of account with them. I am just trying to get this 60 day late dropped to a 30 day late because of the obvious and strange circumstances that occured during this period of time. I am not current on this account but this obviously affects other credit items with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Chaplain Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Sortis Financial, Inc.
State: WA
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:
In XXXX XXXX our mortgage was transferred to this company from XXXX We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, XXXX and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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:
XXXX XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,

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