BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a new customer with Shellpoint Mortgage currently with XXXX. The last couple of months I have notice a charge on my account for PROOERTY INSPECTION DISBURSEMENT for XXXX dollars. I have currently caught up but was behind on my mortgage payment. 
This amount I was told is to verify I stay in the home to protectect the investor. This is a predatory fee to keep the consumer paying. In lew of late fees and I want my money back. 

I paid 7 months x 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 2020-07-30
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My complaint is regarding PNC Bank access to linking to third party apps via the XXXX service. Theyre one of the top banks listed but for some reason, they only allow themselves to be linked to specific apps, despite many third party apps supporting XXXX and giving the option to link PNC. Some apps go through without a hitch and others fail every time whether their two factor authentication is enabled or not. This needs to be corrected and I almost guarantee its all dependent on who pays PNC to allow it. In this specific case, the app is XXXX but I also had the same issues linking to XXXX while no issues at all with the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX, EXPERIAN has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX bankruptcy court stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in XXXX  days or CFPB VIOLATION occurs. next issue inconsistencies in COURT NAME & REFERENCE NUMBER Reference # : XXXX XXXX Experian XXXX XXXX different names Court : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting violation found XXXX XXXX  XXXX XXXX Account # : XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX removed XXXX off my credit report I filed the same thing wit Experian and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all

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 2023-08-15
Company: CITIBANK, N.A.
State: AZ
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:
Problems with Citibank : 1 ) Citibank has chosen to close my credit card account. They would not explain the reason for closure over the phone. They claimed they would send the reason by postal mail. I never received it.

2 ) Citibank owes a refund of {$200.00} I never received it.

3 ) I have phoned Citibank many times to solve this issue. Each time I call, a phone rep tells the new date that I should receive the refund, and the letter of explanation.

4 ) Any issue of post office delivery was resolved months ago. There is no local issue.

5 ) This " lip service '' from Citibank has been going on since early this year. I also filed complaints with this consumer bureau back in XXXX ... .still no 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 monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AR
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 am submitting this CFPB Complaint to you today to dispute an error in my credit report. According to my credit report, I have a late payment on my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I need you to fix the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$530.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing erroneously processed a mortgage payment twice, which caused my checking account to be overdrawn. I called in to have it rectified. They told me to contact my bank. I called my bank and disputed the charge. The bank refunded my funds to my account and waived overdraft fee. Two weeks later. Select Portfolio put the charge through again, causing me to be overdrawn again. I contacted Select Portfolio to find out what happened. I was initially told. For return checks they automatically put it through twice. I responded, there was no additional payment posted to my account. How could this be ( my bank paid you. ) After speaking to a supervisor I was told the actual reason they submitted another payment request ( in the form of an electronic payment, though I DID NOT AUTHORIZE ONE ) was to offset a check they were going to send me. I explained the problem was previously rectified and there was no need to send a check. I was told it was already processed and once their corporate office sends them the check, they would mail it to me. 
Basically they illegally obtained funds from my checking account by submitting an unauthorized electronic payment request to cover their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Their investigation did not fix an error on your report

Complaint:
I called XXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: AFNI 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:
AFNI Inc has 3 accounts listed that do not belong to me. Only one has a balance owed. Enclosed is 3 attachments of the erroneous accounts. And a copy of my complaints I sent to AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC Bank charged me {$36.00} each for 3 overdrafts that never occurred. I know for a fact that my checking account was not over-drowned on the holiday week-end. It seems that PNC Bank is manually manipulating data on my checking account. My pension from XXXX was posted on my account on the XXXX of the month. 

On the pages that I'm attaching to this complaint, there are no negative balances shown, Every time this happens, PNC Bank wants me to sign-up for overdraft protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
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: Account information incorrect

Complaint:
I am currently on a payment rehabilitation plan with both XXXX and XXXX XXXX XXXX.both are student loan companies. Although I have been paying on time and as agreed my credit report still shows late payments. This is impacting my credit score

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 2023-01-31
Company: U.S. BANCORP
State: LA
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/2023 an hard inquiry appeared on my credit report from XXXX XXXX. I did not give consent for this inquiry. I submitted a dispute through XXXX but was told they can not remove a hard inquiry. There is no contact information for the company listed, when conducting an internet search. This may be fraud or done in error. But Id like to prevent any further fradulent activities or lines of credit that I have not given consent for being established.

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 2023-06-28
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had a GAP store card by XXXX Last year, suddenly GAP change to Barclay bank Then they issue new card to me which I never activate, the past may I received a charge for over {$5000.00} from a different card that I never requested I called the Barclay bank and they told me that they issue 2 mor cards to some one else whit a different address and phone number That person used the card for the amount of over {$5000.00} dlls Now Barclay bank is charging me for these transactions that I never did I called the bank and they told me to send my information via fax such ID SSC Proof of address I did it to many times and they keep chatting 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 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Bank of America which I opened my account XX/XX/XXXX I have made all my payments on time Including XX/XX/XXXX. It seems to have been a mail room issue and it didn't post on time at no fault of my own. I have tried requesting paperwork from Bank of America to show me when the date this payment posted. First they report the wrong address on to the bureaus and when I did send to the correct address they failed to respond.

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 2023-01-09
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Self Financial 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: Investigation took more than 30 days

Complaint:
Self inc financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My Brother XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a dozen credit card accounts. I immediately notified his banks and closed his accounts. I became his Personal Representative and in compliance with Colorado State law I notified all known creditors of his XXXX and cancelled his accounts Without any prior notification or attempts to settle my brothers debt, Capital One filed a creditors claim Ref No. XXXX on XX/XX/XXXX for XXXX against his estate with the XXXX Colorado District Court. 

There have been fraudulent claims against my brothers estate so to prevent fraud I have contacted XXXX XXXX at Capital One at XXXX to request specific transaction information to determine what are actual charges, what are finance charges and fees and to ensure this entire claim isnt fraud. This information has not been provided. 

All of my brothers financial accounts will be settled out of probate except this one account with Capital One. Capital One has given me no specific information on the account but worse has given me no option in settling this account other than paying the entire claim for XXXX or to go through probate. 

Probate will involve requesting a court hearing, taking at least another day off of work, traveling three hours and more paperwork. 

In addition to caring for my XXXX-year-old mother I have been dealing with this estate for the last six months and have clearly done a very good job as there will be no other claims against my brothers estate requiring probate. I am very irritated that Capital One never contacted me prior to filing the creditors claim, has failed to provide any specific information against the account and is forcing me the inconvenience of going through probate to settle this one claim. Capital One refused to disclose the name, address, and phone number of XXXX XXXX regulatory agency. 

I believe XXXX XXXX actions are belligerent and strong armed at the least and are approaching extortion at the worst and would greatly appreciate your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 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.

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 2023-08-15
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.

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