BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2019, I submitted three online requests to freeze my credit with each of the three credit  reporting agency ( i.e., XXXX, Experian and XXXX XXXX XXXX. 

In its letter, dated XX/XX/2019, Experian denied my request and requested all the information I provided online again. 

I replied, asking Experian to identify which of the laundry list of items it actually needed, because I had already provided all the requested information. 

In its letter, dated XX/XX/2019, Experian again denied my request and requested all the information I provided online again. 

We repeated this process a few more times and I have had enough. They refuse to put a credit freeze on my account AND refuse to identify which specific piece of information they need to do so. 

This is unacceptable. 

More importantly, given the various data breaches and creidt hacks that have occured, the general rule should be to freeze the credit report until Experian can get confirmation one way or another instead of leaving my credit report exposed.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To whom it may concern I applied for credit with XXXX XXXX and the company requested my Transunion report. Transunion in return sent XXXX XXXX a credit score over 100 points lower than my actual score. It was embarrassing and disheartening to me. I reached out to Transunion abourt the reporting error and was unable to contact them by phone. There was no dispute description for my type of error on Transunion 's website. Something needs to be done about the egregious reporting by Transunion.

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 2021-09-13
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account without notice on XX/XX/XXXX. I could not reach them on the phone because I was not a customer anymore. After two weeks of emails back and forth i still have not received tracking information for my refund check. I have confirmed my mailing address three times. They owe me over XXXX $ and they are dragging their feet getting it to me. I have incurred credit card fees for canceled payments that I had no control over. I am racking up bank fees because I cant pay my bills. The sudden closure almost caused that weeks paycheck to be sent back. I was barely able to get my direct deposit switched in time. I had just worked two 60 hour weeks in a row to get ahead and now I am more behind than I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE SENT XXXX, TRANSUNION, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE XXXX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!

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 2020-12-17
Company: EQUIFAX, INC.
State: OK
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:
Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I alerted Capital on in writing, about charges that were not authorized by me, Capital one send back info showing the charges were not disputed by the merchant, I responded back stating that the charges were not mine, Captal One responded by saying that they have 60 days to respond. But I told them the charges were not authorized w/i the 60 day time period. 

Those charges are still coming and Capital one has not issued me a new card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX ( XXXX ) unilaterally up-adjusted the monthly payment on my fixed-rate loan. Then it rejected my auto-payment because it was in the incorrect amount. Then it charged my extensive fees for being late on my payment. 

I don't believe it had the contractual authority to up-adjust the monthly payment on a fixed-rate note. Nor do I believe the late fees are justified. 

I was unable to access my account online or reach anyone telephonically. I therefore believe this is all just a loan-servicing scam to route people to incurring additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Cir/Madam, Capitalone bank restricted my credit card use for fraud. I did nothing more than chaging the billing address. They have restricted my card for over half a year and with multiple phone calls never resolved my issue. They are very incompetent. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened up another checking account in my name where I bank at Bank of America. So I called my bank fraud department and they supposedly got it straightened out. But they told me to also report to the credit bureau.

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 2019-08-06
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
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:
Accounts and Inquires listed are not done by myself. Please delete immediately.

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 2017-11-07
Company: JPMORGAN CHASE & CO.
State: NC
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:
Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I 'm still struggling to recover from the pain and disappointments they 've caused. I before Chase bank destroyed my credit score I had a XXXX fico 8 score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account, which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100 % on time payments as I 've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I 've been treated, I 've been calling about this month after month and they just do n't care. All I 'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I 'm very close to them and they have witnessed what I 've went through first hand it 's just heartbreaking. i 've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I did n't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has no reason for trying to collect on a account that the company has collected as a tax right of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint servicers # ( XXXX ) XXXX I'm am currently a XXXX veteran with XXXX XXXX. After Covid-19 forbearance my loan was placed in a modification with a company called XXXX # XXXX. I was supposed to pay 3 trial payments of {$1100.00} in which I actually made at least 5 payments on 2021 They we're supposed to send my final modification papers but they did not send them instead they sold my loan while I was in the middle of my modification to acompany called Shellpoint. Shellpoint sent a statement requesting that I pay them an inflated amount of money. I wrote them a debt dispute letter to which they sent me the same letter just saying they were my servicer and I owed " x '' amount of money. I then went back and sent them papers showing my old loan amount and that I had actually been in Covid forbearance and then modification. They sent me papers asking me to pay them {$1200.00} or so dollars which was more than my agreed amount with XXXX XXXX and saying that I had to start trial payments with them all over again. Which was ridiculous seeing that I had already completed these. They sent me papers as well saying that my estanged spouse who is not on my mortgage loan ( is on title ) had to sign the modification with me in front of a notary. 
I explained that he was XXXX  to myself and to my children and somewhere out XXXX and I do not have an address for him nor feel for my safety that I need to bein my room with him. Their agent told me, " well you need to find him and be in the same room with him in front of a notary and sign and send us the papers '' .I told them that I could not do that and I though it was shameful that they would want to put my life in harns way. I attempted several times to have someone call me and left messages but I never got a call back. Finally I called them again and was told not to submit any workout paperwork to them because it would be denied and that they would no longer accept money from me unless it was the total {$40.00} something XXXX from being in Covid-19 forbearance. I received a letter saying they were going to foreclose on my property to which I sent a debt dispute letter to the law company called. They send me some papers from something I supposedly signed with XXXX bank years ago. I don't know what that had to do with Shellpoint or XXXX.They foreclosed recently and denied a seller that wanted to buy my home. Now they want to also give mean eviction on my credit plus the foreclosure. It's a nightmare. I have XXXX kids with 2 being XXXX. Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 A collection account was deleted from my credit report ( Experian, XXXX, and XXXX ) which is typically a good thingand as a result, My scores for XXXX and XXXX increased on XX/XX/XXXX XXXX my Experian score went down XXXX points!!! I contacted Experian XX/XX/2022 to gain clarity and rectify the error on their behalf ( considering that usually consumer credit scores increase when collections are deleted ) but several representatives that I spoke to said that they do not know why my score decreased XXXX points and admitted that it was a bit odd considering my score increased for XXXX and XXXX, then I was told by several representatives that they didnt have anyway to handle a dispute of such matter in that particular department which was the dispute department so they referred me to their membership department and each time I was transferred to that department, the representative from the membership department put me on a brief hold and then proceeded to disconnect the call. I simply want them to refurbish my credit score back to where it needs to be but at this point I feel no one their actually cares to do so. This is my complaint, what should I do

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hey I ask this company to remove bankruptcy more than once they keep Verfied I wan na know out they lieing to me because I dont have bankruptcy

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 2017-11-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage transferred from XXXX XXXX XXXX to Carrington Mortgage on or around XXXX XXXX, XXXX i think that is the correct date. I am not sure, as I never recieved a letter from them. I found out about the transfer when I went to make my payment to XXXX XXXX XXXX and they said I could no longer make my payment to them as my loan had transferred. they gave me the company name and a phone number. 

I called Carrington. I got my loan number and my late fees due. I advised I never had late fees and they must be mistaken. I was told to send in a letter to them explaining what had happened and they would fix it. I did, on XXXX/XXXX/XXXX. I received a letter from them advising they recieved my letter but nothing after that. I was under the impression that they had 15 days to respond and get it fixed. 

I received another letter from them on XXXX/XXXX/XXXX advising that they never received my payment. I am not sure what happened as my payment was made, it just did n't go through. I quickly made my payment on line through my bank and sent it next day. I get a letter on XXXX/XXXX/XXXX saying they never received my payment. I called them and she stated that my payment went to unapplied funds as it was XXXX cents short. I told them I was not aware of this and no one had called me, sent statements, etc. 
I was reported to the credit bureau she said. i told her I would make my payment for XXXX cents online immediately, making the payment with her would have cost me XXXX. 
I sent the payment. 
i have never had an issue with a mortgage. I always make my payments on time. this company is horrible. I am almost finished paying my mortgage, thank XXXX. 
I just wanted the CFPB to know the misdealings that this company is doing. I have good credit, make my payments on time and have to deal with this nonsense.

Company response to consumer: Closed with explanation