BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
To Whom It May Concern, I have always enjoyed an excellent credit rating and have worked hard to earn such. 
In XX/XX/XXXX, my bank Capital One, without my knowledge, stopped my auto payments ( EFT ) from my personal bank account, to my Capital One Credit Card, issued by the same institution. I had no knowledge that the payments had been stopped. Neither the bank or my credit card company notified my that my credit card was 60-90 days past due, no phone call or email. It was only when I checked my XXXX and XXXX report, that I noticed that my credit card had been unpaid for 3 months. I have called the bank and credit card company trying to resolve this issue only to get a giant runaround. They have essentially ruined my credit.. I am trying to refinance my home and may lose my property because of this. Can you help me to rectify this problem? Your help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons 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 Employers XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 Collecons 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 Name XXXX XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I recently received a response to a dispute regarding an erroneous item on my credit report involving a transaction that was verified regarding the disputed item, and thus, electing to leave it on my report That is the way it appears on my credit reports :. {$290.00} Closed Overview You're currently using 295 % of your account 's limit. 
Balance {$290.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Amount past due {$290.00} Worst Payment Status No Info Account Details Account status Derogatory Type Charge account Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX, and we'll let you know when it's complete.

CHECK DISPUTE STATUS Creditor Information BLOOMINGDALES DEPARTMENT XXXX XXXX  XXXX XXXX, OH XXXX This is what appears on my debit card statement : XX/XX/XXXX Purchase authorized on XX/XX/XXXX Bloomys XXXX XXXX XXXX FL XXXX Card XXXX {$200.00} I am absolutely certain that the item I disputed is incorrect and should be removed. 

All previous letters and documents that I sent to you are once again attached along with this correspondence in order to help you process this request. You will also note in the attached items the fulfillment of payment for said dispute. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error.. 

I expect to receive a response, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX SS : 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 2021-04-28
Company: EQUIFAX, 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:
the companies XXXX  and Equifax are showing my adverse information without my consent, harming me for the acquisition of services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A fraud alert was added on my credit report without my knowledge. Please Remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A fraud alert was added on my credit report without my knowledge. Please Remove this from my credit report.

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 2022-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Capitol One and XXXX ACCT : XXXX On XX/XX/XXXX, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XX/XX/2016 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A few weeks ago transunion deleted all inquiries off my credit report and they were reinserted without notification prior to reinsertion.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00} XXXX XXXX XXXX XXXX / XXXX / {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone signed me up for JC Penny emails ( I did not subscribe ) and while reviewing the emails I've received, I noticed a JCPenny Credit Card statement was sent. I have never signed up for a JC Penny credit card and haven't shopped there in years so I'm unsure how this happened. I want to make sure this does not impact my credit score and confirm nobody is using my name for fraudulent charges.

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 2015-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in the process of attempting to get a loan mod from Capital One for months. I sent in my first application XXXX/XXXX/15. Their strategy is repeated over and over by first telling me they have everything they need except for a short list of documents. I send them the requested documents right away. After some time they contact me to ask for updated documents, which I send. In one case I sent the documents just before their deadline. A few days later they notified me the application had been cancelled because they had not received the documents before the deadline. I told them I had sent them. They looked again and were able to find them but then told me because the application had been cancelled I had to apply all over again and I must do it really fast because the foreclosure sale was right around the corner. I sent the new and revised application right away. The whole routine started again, asking for more documents, loosing documents and asking for them again, each time telling me the foreclosure is about to happen if I do n't get them in fast. 
I am now at the supposed final steps again, with the foreclosure set for Monday XXXX XXXX, 2015. Yesterday ( XX/XX/XXXX ) they gave me a new list of documents to update, which I sent to them within an hour except for an updated P & L, which I sent today ( XXXX/XXXX/15 XXXXET ). A call to them informed me the sale was still on for Monday. There seems nothing I can do to appease Capital One. There is equity in my house and I think they are dead set on taking it to sale where they would probably get the house back and sell it for a profit, all while cheating me of my house. 
I was completely current on my payments but because my husband ( only him ) filed bankruptcy to stop a civil lawsuit. My house was my separate property but the bankruptcy court took the house anyway. They collected the payments for a couple of years all while not making any mortgage payments or property taxes, then gave the house back to me. I never missed a payment but yet it is now years behind in payments. I had no choice but to lose the house to foreclosure or apply for a loan mod.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have three accounts that have been closed with My Synchrony Bank without my permission. All accounts were in good standing and have been paid off. The first account is a XXXX XXXX XXXX  account that had a limit of {$1200.00} that was closed on XX/XX/XXXX. The second account is a XXXX XXXX  account with a limit of {$3000.00} that was closed on XX/XX/XXXX. The last account is a XXXX XXXX account with a limit of {$1500.00} that was closed on XX/XX/XXXX. I have done a previous complaint with the CFPB on XXXX in which the company responded and stated that my account was due to their sound credit scoring system and the pull of my XXXX credit file. However, this is a direct violation to 15 U.S Code 1681a ( k ). I did not give synchrony consent to obtain my consumer file with XXXX to close my accounts on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not consent to my credit report being pulled at 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 2022-07-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage is with Nationstar XXXX Mr. Cooper XXXX Nationstar/Mr. Cooper incorrectly reported my account as delinquent to credit agencies while the account was in good standing and in the forbearance/deferment process under the Cares Act. This caused my credit score to drop from XXXX to below 650. In contacting Nationstar about this I was told to send an email to the research department and wait 30 days for them to investigate and have it corrected. I sent the email, as well as reported to each of the credit bureaus but have yet to receive any communication from Nationstar/Mr. Cooper now in the third week since my initial email. This is infuriating that a company can cause damage to personal credit history and not take immediate action and regular communication to correct. With Mr. Cooper you are unable to speak with anyone beyond the general customer service line when calling, regardless of your issue. Two of the three credit bureaus ( XXXX and XXXX ) have been very good about keeping me informed of their processes to reach Nationstar/Mr. Cooper and have corrected the credit report. XXXX has had no communication and still has not corrected the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Account status incorrect

Complaint:
Filed dispute with Experian on XX/XX/XXXX due to XXXX XXXX XXXX XXXX reporting a previous {$30000.00} Home Equity being discharge in a bankruptcy filed in XXXX which is incorrect. Our XXXX  was NOT included in the debit discharged. XXXX denies any wrong reporting. 
Filed another dispute with Experian on XX/XX/XXXX and supplied loan documents showing XXXX had reported incorrect information. XXXX denies any wrong reporting. 
Filed a complaint with the XXXX  on XX/XX/XXXX and supplied all documentation which XXXX again denied any incorrect reporting information. The XXXX  found inconsistencies with XXXX and stated our complaint will remain on file. 
Filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in which we have no reply. 
XXXX reports the {$30000.00} XXXX  loan was XXXX, however they went on extend our XXXX  line twice more after the bankruptcy. 
The attached Bankruptcy file will prove XXXX need to removed the incorrect information it reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 an account with Capital one credit card company. I have multiple fraudulent charges on this account. I have already submitted a fraud complaint with the company and I have only had this account open for three months with multiple fraudulent charges and first report to my credit report was a late payment. This is very similar to my XXXX  XXXX account. Also the mailing address for the payment receipt is addressed somewhere that is not listed by capital one. Also more XXXX charges and duplicate charges. Most recently is a XXXX dollar XXXX charge on XX/XX/XXXX for an auto payment. This was wrong amount on the wrong day. XXXX XXXX has no record of this charge and are investigating as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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