BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: SYNCHRONY FINANCIAL
State: WV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I noticed charges on my Verizon XXXX Card from XXXX. I contacted XXXX and managed to stop 4 of the charges however 6 others were still processed. I contacted the Verizon card Fraud department ( 15 mins after the charges were placed ) canceled the card and filed a report. The orders were placed to a company called XXXX ( i did attempt to contact them however never received a reply ) for at least 9 charges of {$190.00} for night vision camaras. All orders were Fraud and i explained to the investigators that as well as that it appears the orders were still being sent to me which made no sense. A claim was opened and i was told they would get back to me. I called multiple times after to check status of the claim and make sure it was understood that it was not me that placed these orders. On XX/XX/XXXX i received an envelope with a blank paper inside. The envelope had the tracking number that matches the orders placed in XXXX. I called again and informed them of this and was told that i did not need to send them Proof that they understood and were processing the claim and i would not be charged. Yesterday I found out that they closed the case and refused to reverse the charges because something was in fact delivered to me. I did manage to send them images proving the false packages but when i spoke over the phone to manages while they said they will reopen the claim it was stated the outcome will more than likely not change. The charges amounted to over {$1100.00} that i am unable to and should not have to pay.

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 2015-05-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2015-11-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I filled a complaint with the CFPB against Shellpoint Mortgage Servicing and their representative XXXX XXXX XXXX XXXX XXXX XXXX responded for Shellpoint with verifiable FALSE answers. XX/XX/XXXX to cover up Shellpoint 's violations of CFPB & State of California Loss Mitigation laws & Regulations. XXXX XXXX XXXX never sent his response to me because of his incriminating statement contained in his letter. Upon discovery I sent an immediate protest letter to Shellpoint for illegal & wrongful denial of my XX/XX/XXXX Loss Mitigation application. ( Letters, attached dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX XXXX & Shellpoint intentionally reversed my complete " Application Status of XX/XX/XXXX in retaliation for my CFPB complaint filed XX/XX/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 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is reporting my equity line under Derogatory Items due to the way they report to the credit bureaus. I have never been late ever. This is adversely affecting my credit score and I am unable to refinance my other properties. The value of the property dropped, and they put this on my credit report. Its not my fault it dropped. Why is this on my credit report????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
When The President came out with the HARP program I called my bank to find out about to much time has elapsed and we need to start all over again. I also want to add that we the program. The bank told me that the program was not out yet. I asked them again XXXX years later to be told that I did n't qualify for the program. I was not asked for any financial information or to fill any paper work when I was told that. Right after that I was told that my XXXX and XXXX mortgage was in collections. We have never been late or missed a payment. After I complained about the mortgage going into collection they allowed me to file for a modification. I sent several pieces of information to them and after not hearing anything I called them. They told me my modification was closed because they never received the information they requested. I then advised them that I went to my local Bank of America and had them fax over the papers. I gave them the time and date it was sent then They said I was missing some of the paper work requested. No one ever called to advise us anything was missing or that they needed any additional information. This happen several times. They wait so long to get back to us with anything. When I hear from them again that are senior citizen with a lot of medical expenses they we did not have before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We bought our house through XXXX VA loan ; they sold loan to Ocwen. We sold this house in XXXX XX/XX/2014. Ocwen sent me XXXX final checks totaling {$3500.00}. I did not cash them in time ; they were void after XXXX days. When I called to have them reissued, Ocwen told me that I am no where in their system. I faxed them copies of the checks with my loan number on the checks & Ocwens name. They said they ca n't reissue because they ca n't find me. They also said they ca n't send me my XXXX because they ca n't find me in system. They told me they had a system change over in XXXX XX/XX/2014 & I 'm lost in system???? They have given me no solutions. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received an initial call on XX/XX/XXXX from XXXX at XXXX in the XXXX of the XXXX indicated she would do the following in that discussion, that she would take action in the next day or so to have the account removed from collections and my account cleared at XXXX. 

The indicated actions by XXXX have not happened as of this writing which is why I am reaching out to you again for assistance. 

I have attempted to contact XXXX no less then XXXX different times leaving messages, email contacts, call back number, etc. However, outside of the initial call on XX/XX/XXXX XX/XX/XXXX has not returned my ANY of my called since our discussion on XX/XX/XXXX. 

XXXX lack of responsiveness and failure to follow through on her commitment to me is uncharacteristic of individual working in the XXXX of the XXXX period. Not only am I disappointed in XXXX lack of response to my many phone calls, but also her slight attitude in our initial conversation which appears to be consistent with her lack of follow-through action and non-responsiveness subsequent to our initial phone discussion on XX/XX/XXXX. 

At the crux of the issue is the failure of TM and Receivables Performance collection agency to completely remove any and all reporting of the {$68.00} for a balance that is not owed, and was indicated would be removed by XXXX 

However, Receivables Performance is play games with zero reporting while leaving the initial {$68.00} on my credit report which in not right.

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 2021-04-27
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: Public record information inaccurate

Complaint:
Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But Transunion and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to TransUnion and XXXX to delete these items. 

Transunion has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''

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 2019-02-21
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 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 a victim of Identity Theft and I have a FTC report, police report, and filed all needed affidavits. Experian removed and deleted the two negatives accounts but now have added them back and said I need to contact the credit card company ( which I already have done ). I asked what else I needed to do to prove I was a victim of ID theft because other credit card companies verified I was a victim. They did not have an answer other than to re submit the dispute which I have done as well and contact the credit card company again.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  XXXX | XX/XX/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 explanation
Consumer complaint received 2022-07-23
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX I pulled my credit report and came across missed payments from XX/XX/XXXX XX/XX/XXXX from Capital One. After going through my records i realized why I had the hardship earlier this year due to an car accident at the end of XXXX, which i had XXXX and had to be off work for an extended period of time. Before my accident i hadn't missed a payment and once i was able to get back from my XXXX I haven't missed a payment since XX/XX/XXXX. I sent a forgiveness letter along with documents supporting my situation. I received a response 10 days later stating that capital one wasn't able to remove or honor my forgiveness letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
Hello, On XX/XX/XXXX I paid the remaining amount on the frontier credit card of {$110.00}. Following this complete payment, I requested the account be closed permanently and spoke to someone on the phone who confirmed the account was closed. Then on XX/XX/XXXX, I received an email, subject line : Account Alert : Your statement is available. 


It appears my account is still open, despite asking it be closed and being told that was done. I would like this account shut down and closed asap. 

Thank you.

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 2022-11-16
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:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It has now been four months since we requested a release for the vacant lot adjacent to the single family home that Shellpoint Mortgage Servicing obtained when they took over the loan servicing agreement on from XXXX on in late XXXX. 

On XX/XX/XXXX, I requested a partial release of this vacant lot. On XX/XX/XXXX, all required documents were submitted to Shellpoint Mortgage Servicing. 

I have had a purchase agreement for this vacant lot since early XXXX, XXXX, and always expected that some or all of the proceeds from the sale of the vacant lot would be used to reduce the principal on the mortgage. The failure of Shellpoint to proceed in a timely manner has caused me significant financial harm and duress. I have had to negotiate an extension to the purchase agreement multiple times. As well, the purchase agreement has again expired and I am attempting to revive it. Shellpoint has failed to make a timely response to these purchase agreements. 

Permission to spend the money to get an appraisal of the vacant lot and the house came nearly three months after all of the documentation required by Shellpoint for the partial release were provided by me. The appraiser showed up on XX/XX/XXXX. 

Shellpoint now claims that I made 2 late payments past the 30 day due date This is a lie. One payment was recorded by Shellpoint as late when Shellpoint took over from XXXX and they were in transition. It was paid on time. One payment arrived on the day due, ( I have USPS records ) but was not processed on time. I always send my payments USPS with delivery confirmation. Shellpoint is using this falsehood to excuse their failure to do their job in a timely manner. 

Shellpoint does not respond to phone calls or emails. I am forwarded to customer service and then to various departments who do not know what is going on or do not exist. I receive letters but no responses to my replies. I have written twice to the Executives and CFO of both Shellpoint and parent company NewRez by certified mail and received no response. 

I have never encounters a company that is more willfully and intentionally dodging doing there job. Please HELP!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
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 credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is regarding calls from Kia Motor Finance. 
On XX/XX/2020, they called me at XXXX. During this call, I told them while I don't agree with the debt they are imposing to my account I am willing to take their calls however not when I am working and I asked them to call me between XXXX and XXXX hours on weekdays. Which they told me they will comply. 
However, I received a phone call from Kia Motor Finance from the same number on XX/XX/2020 with the attempt of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2022-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation