BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
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 was victim of identity theft, somebody used my personal information and opened accounts on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
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: Public record information inaccurate

Complaint:
I contacted the United States Bankruptcy Court in  XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX XXXX and Transunion, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: NC
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:
This inquiries not authorize or fraudulent inquiries

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 2019-04-11
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
Shellpoint Mortgage/XXXX  XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that Shellpoint was not reporting my mortgage payments to the credit bureaus. In 2017 Shellpoint reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, Shellpoint removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to Shellpoint. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that SHELLPOINT MORTGAGE/XXXX XXXX   WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that Shellpoint did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could Shellpoint not have knowledge that my mortgage was not a part of the Chapter XXXX??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On multiple occasions I have attempted to dispute fraudulent charges and transactions on my account ( s ), I spoke with a representative from my financial Institution on Thursday XX/XX/2019. I advised them of the following situation, which permits my ability to file as a victim of identity theft, I advised them that on XX/XX/2019- I made a purchase on my account, that was the last purchase that I authorized on that account, Since then I have not made any purchases on that account, Aside from ATM withdrawals, and managing the settings and preferences on that account, the following transactions are the said unauthorized transactions. Date varies as well as transaction amountsXX/XX/2019- {$8.00} XX/XX/2019- {$9.00} XX/XX/2019- {$10.00} XX/XX/2019 - {$39.00} XX/XX/2019 - {$20.00} XX/XX/2019 - {$160.00} XX/XX/2019 - {$30.00} XX/XX/2019 - {$86.00} XX/XX/2019 - {$99.00} XX/XX/2019 - {$58.00} XX/XX/2019 - {$120.00}XX/XX/XXXXXX/XX/2019- {$5.00}XX/XX/2019- {$27.00} XX/XX/2019- {$16.00} XX/XX/2019- {$22.00} XX/XX/2019- {$18.00} XX/XX/2019- {$24.00} XX/XX/2019- {$17.00} XX/XX/2019- {$11.00} XX/XX/2019- {$2.00} XX/XX/2019- {$1.00} XX/XX/2019- {$8.00} XX/XX/2019- {$1.00} XX/XX/2019- {$12.00} XX/XX/2019- {$12.00} XX/XX/2019- {$6.00} XX/XX/2019- {$80.00} XX/XX/2019- {$16.00} XX/XX/2019- {$8.00} XX/XX/2019- {$18.00} XX/XX/2019 - {$2.00} XX/XX/2019 - {$12.00} XX/XX/2019 - {$4.00} XX/XX/2019 - {$6.00} XX/XX/2019 - {$21.00} XX/XX/2019- {$6.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple FDCPA Violations by Collection Agency and  lawfirm XXXX XXXX XXXX. This agency is attempting to collect charges for a fraudulent account opened with Capital One Credit. This is identity theft yet they claim this account is verified by Capital One. I dont see how that is possible since Capital One deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : XXXX sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

XXXX advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and Capital One as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with XXXX XXXX XXXX Collection Agency and listed on their website. 

I have notified XXXX XXXX XXXX as well as Capital One via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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 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 2019-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.

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 2019-11-17
Company: Phillips & Cohen Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2019, a representative, XXXX XXXX, of Phillip Cohen Associates located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours Eastern Time and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My savings account was opened on XX/XX/XXXX XXXX XXXX it was opened from a transfer of funds from my checking account. I opened it with XXXX dollars. On XX/XX/2020 XXXX was fraudently transfered back to my checking account. then XXXX was wired out of my checking account. IF I would have done this i could have wired it from the savings account and not go thru my checking account. USAA should have caught this scam. There should be an investagation int why USAA let this happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: ERC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #. 

The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL. 

I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I  'm sure she's aware of that. Her behavior was very suspicious. 

She gave me this reference # XXXX Is there any thing else I can do.

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 2018-03-22
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:
When I first found out that XXXX XXXX was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed Experian that they were in violation due to the reinsertion. Experian was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my Experian report ; and once again after sending another request for validation they removed. 

To my surprise, XXXX XXXX has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! Experian is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that XXXX XXXX was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.

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 2019-04-11
Company: EQUIFAX, INC.
State: MA
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:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus the some items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX has been trying to say that I spent, in excess of {$800.00} to XXXX XXXX XXXX in XX/XX/XXXX. I did No such thing and I believe they are a fraudulent company that got ahold of my identity. I can't even get a small loan from my local bank. This is embarrassing and I might lose my house because of this fraudulent claim on my credit. Please contact XXXX XXXX at XXXX That is who my bank told me to call when I was denied a simple loan. Check my clothes!! I have XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good Morning - I have been a chase customer for several years. I have a checking account and different credit card products. Last week on XXXX, I logged into my account online and found the following message on all my accounts. " Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to make monthly payments by the due date. '' I was in a huge state of shock and called customer service immediately. They were of no help. They said they could n't provide any details and refused to discuss further. I received a letter on Thursday ( XXXX ) which did n't have much information either. They have closed my checking account and the reason they provided in the letter was " After a recent review of your accounts, we have decided to end our relationship with you. ". There was another page attached which said that they have closed all my credit card accounts because of the following reason " After careful consideration, we decided to close your credit card accounts in XXXX XXXX XXXX, because our affiliate is ending its banking relationship with you. '' I am very concerned that this will cause my credit score to go down due to the number of credit card accounts I have with chase. The average age, number of accounts, credit utilization is all going to be affected and cause problems to my credit report/history due to this. And I am also disappointed that I have been using Chase as my primary credit card for several years. It has been a stressful last few days due to the concerns related to my credit report and also that I can longer have the benefits of having Chase cards. This is even going to affect my travel plan for next month. I am deeply disappointed that this has happened. I would like to get some help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to refinance my second mortgage with Provident Funding. They originally had my first and second mortgage and sold my first mortgage to another company. The second mortgage which I thought was a fixed term is a balloon payment due in less than 2 years now. They refuse to work with me and refinance this mortgage to make it a fixed term. After going back and forth for many months they now tell me they will refinance my mortgage if I do my first with them. This is unacceptable because they sold my first mortgage to begin with. Now they want to charge me full fees in the amount of {$3000.00} in closing costs plus a {$550.00} appraisal fee to make this happen. The only other option is the second mortgage will default when it come due which Provident is aware of and they said they may help me or work with me when I default. This is the most outrageous thing I have ever dealt with when dealing with a financial company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get an update on the loan modification review for several months now and the bank just keeps playing games. I even have a counselor ( XXXX XXXX ) who is helping me try to save my home but they continue to play games with me. 

I don't know what else to because I am about to lose my home and its because they won't answer my requests and they only want us to talk to one person who is never available. How can you assign one single person to somebody's home and never call anyone back. 


We also tried to call the foreclosure attorney and left a couple voicemails for him to call us back. No response as well. 

This just seems like a scam from the lender and I don't know where else to go at this point! I have been complaint only get a run around from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: MI
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:
Today XX/XX/21, I have submitted numerous disputes with Equifax and XXXX to update my credit report. There are old accounts that have been paid in full, settled, and no longer need to be on my credit report as it is hurting it. I am trying to purchase a home I can live everyday in. I am having so much trouble with getting old information removed from my credit report, that is already closed and taken care of. XXXX filed dispute on Equifax , they are saying my credit score is a XXXX, when in fact it is a XXXX, this is a huge difference, because of the lack of updated information. It is inaccurate. My balance on my XXXX XXXX Account is not XXXX, it is XXXX, this needs to be updated, and it has been over 30 days since it was updated. I am trying to get approved for a home loan and the inaccuracy of my Equifax credit report is holding me back. Please have Equifax update my account promptly. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
looking over XXXX credit report and their are two collection agencies thats trying to collection on the same account which I have to knowledge of and never contacted about this debt.

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