BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage  payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 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 non-monetary relief
Consumer complaint received 2021-03-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Contacted USbank on XX/XX/XXXX at appx. XXXX was told to contact XXXX  at XXXX. After entering the requested information the automated service stated it was not the correct information. I did NOT request any type of credit card and I do not want another card and I want to know how or where they obtained my information.

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 2022-01-07
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 lost my wallet somewhere in XXXX County ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, XXXX, transUnion for years they never do anything about it so thats why Im here making this complaint on those companies.

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 2019-08-22
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: Account information incorrect

Complaint:
Viewed credit file with Experian in reference to XXXX XXXX XXXX card showing as charged off in the amount of {$3400.00}.

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 2019-04-10
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2019 called my office of employment 3 times stating it was an emergency and needed to speak with me XX/XX/2019 called my office of employment 3 times stating it was an emergency and trying to speak with me XX/XX/2019 called my office of employment twice stating it was an emergency and needed to speak with me

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 2020-11-03
Company: PENTAGON FEDERAL CREDIT UNION
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:
I have disputed these accounts on my XXXX  credit report that belongs to another person multiple and transunion says they will remove and has not removed it. It does not belong to me. Im 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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been trying to dispute an account on my credit report since XX/XX/2021. The first the creditor verified the account as accurate however would not provide me with any additional information. I submitted additional disputes on around XX/XX/2021, XX/XX/2021, XX/XX/2021. I also mailed in supporting documentation via USPS certified mail on XX/XX/2021 and it was delivered on XX/XX/2021 XXXX. After I dispute it shows on my account when i log in and then after a week or so it disappears. I'm tired of getting the runaround for this dispute and would like a status asap.

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 2021-05-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed a copy of my credit report and show incorrect information listed. This collection account has been satifed and paid in full. The collector advised that they will remove account. Please delete account due to make all payment successfully. Account name is XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Service Finance Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX an authorized service provider with XXXX XXXX XXXX XXXX XXXX came to our home. My wife XXXX and I listened to him for about an hour explain how he could get us on the Grid to eliminate our electric bill and maybe even get a refund at the end of the year. We were so excited about eliminating a monthly bill and helping the environment we signed the 2 purchase agreements ; one for {$11000.00} and the other for {$7500.00} ( XXXX XXXX said this was necessary to get the tax credit of {$5600.00} on our XXXX return ). Work proceeded and the system was live with our electric company ( XXXX ) on XX/XX/XXXX. Our XXXX bill came and we saw no credit and I called XXXX and was told that some electric companies delay the credit for one month due to accounting. Our XXXX bill came and only reflected a savings of {$60.00} from last XXXX or 21 %. Again I called XXXX and they sent a tech to my to verify the system was working and found it was working. Many calls XXXX management and no answers or resolution. I have now received my XXXX bill and it shows only a savings of {$13.00} from last year or 5 %. I have filed complaints with other agencies and am looking for financial relief with the finance companies in this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Personal information incorrect

Complaint:
Send 3 letters to Experian, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXXXX/XX/XXXXXXXX XX/XX/ XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/ XXXX XXXX XX/XX/ XXXXXX/XX/XXXX XXXX XX/XX/

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I had a credit card with the worst company, XXXX XXXX. I had trouble making the payments but ended up paying this credit card off. Well this company continues to state on my credit report - charged off as bad debt. Not even stating that it was paid off. I have tried to go through the credit bureaus to no avail. I know I paid this off around XX/XX/2015.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as TransUnion and I am not able to gain access toXX/XX/XXXXso that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

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 2018-03-30
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off.

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to myfedloans to change or remove this information and yet it still remains.

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We keep getting Unknow fees added to our mortgage payment each month. When calling several times and on phone for long periods of time, none of the employees can answer what these fees are and why we have them. They say email the loan department as they dont take any calls XXXX how can I not even speak with the loan department in 2021 ) and then wait 30 days. You wait and then receive a decline email with no answers. SHELLPOINT MORGAGE-stop taking peoples money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we missed a mortgage payment to Specialized Loan Servicing LLC. On XX/XX/XXXX, I talked to an Agent on the phone and made arrangements for XXXX XXXX payment of {$1000.00} to be electronically transferred. We later received a confirmation letter dated XX/XX/XXXX. ( see attached ) Then we received a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX. ( see attached ) We are one month behind in payment and are working on bringing the account current.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXXXXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.

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 2018-03-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Chase Sapphire Preferred card on XX/XX/18 on their offer page, which displayed ( and still displays ) the following offer : - XXXX point sign-up bonus - 1st year annual fee waived, XXXX $ every year after After applying, I was billed on the account for the XXXX $ annual fee, even though the offer I signed up for specifically advertised the fee being waived. I called Chase about this and talked with 3 representatives, all of which said, " The advertised offer is still active and is valid for other applicants, but not for you. '' They were not willing to honor their advertised offer. 

They told me to either deal with the fee or close my account, and that they would not waive the fee ... if I did a product change, I would still be charged. If I closed the account, I would not be eligible to apply for the card for another 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to XXXX. I was complaining about these two : 1.XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from XXXX contacted XXXX XXXX by phone and had my XXXX XXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions 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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor 11 XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor 11 XXXX - Open date- XX/XX/XXXX 3. XXXXXXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX Inquiry date- XXXX XXXX, XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXXXXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry dateXXXX XX/XX/XXXX 6. XXXX - CARD XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9. EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXXXXXX XXXX Inquiry date- XX/XX/XXXX 2019

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