BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
HARDSHIP / LOAN MODIFICATION LETTER XXXX Hello CFPB, Regarding a mortgage with XXXXHSBC, Our family has experienced financial disaster due to the COVID-19 shut down and economic downturn there after. 

We were granted the forbearance that was offered to us from XX/XX/XXXX to XXXX of XXXX. 

There was NO FULL DISCLOSURE regarding the repayment of said forbearance, we did NOT sign any contract and or agreement regarding any repayment plan and or full disclosure regarding the forbearance repayment. 

At this time XXXXHSBC has offered us a Loan Modification with a catch, we have to re-qualify for the Loan Modification XXXX XXXX HIGH interest rates. This seems completely unfair at this time, post pandemic. 

If we do not qualify they are demanding the FORBEARANCE PAYMENT OF OVER {$130000.00} due and payable at once. 

Our loan was purchased from XXXX XXXX Bank in XXXX, the loan was sold sometime after to XXXX ( HSBC is an investment company based in mainland XXXX ). 

We did NOT receive notice that our loan was sold to an overseas foreign investment company ( HSBC ). 

This loan should have the same perimeters, rules, regulations and guidelines as the original lender had in the original note ( from XXXX XXXX a FEDERALLY BACKED LOAN ). 

Therefore the note should be honored by the CARES ACT at this time. 

Our Forbearance balance is {$130000.00} to date, we do not have funds to make that payment, at once. 

This property has been in our family for over 40 years, we constructed our family home in late XXXX to early XXXX. 

We have been paying on this loan for almost 13 years, we have never needed to pay a late fee on this mortgage. 

We do not wish to lose our family home after so many years of loving memories. 

We became sick with the XXXX XXXX XXXX business has been down for months and months. To date business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also became hospitalized with multiple conditionXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please help us. 

* XXXX HAS REPORTED THE FORBEARANCE LOAN BALANCE TO OUR CREDIT REPORT AND REPORTED MONTHS OF NON-PAYMENT. NEGATIVELY EFFECTING OUR CREDIT REPORTS AND CREDIT SCORE WITHOUT BEING IN FORECLOSURE. 

We wish to be in good standing with XXXX and HSBC, any consideration would be greatly appreciated. 

Please advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: GOLDMAN SACHS BANK USA
State: CT
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 made a few payments to my new Apple, Goldman Sachs credit card. The funds I pay on the card, leave my bank account immediately but the credit card company whilst acknowledging receipt of the funds are not updating the payment against my card balance. 
Heres their messages below to me. 

I understand your frustration, thank you for your patience. Your available credit could take several days to reflect payments you've made with your bank account. I can confirm we received your payments. The payment of {$500.00} made on XX/XX/2019 will reflect on XX/XX/2019, the payment of {$250.00} made on XX/XX/2019 will reflect on XX/XX/2019 and your payment on {$1500.00} made on XX/XX/2019 will reflect on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: UT
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2022 A lady at XXXX XXXX XXXX attempted to charge us for Online tickets for the XXXX XXXX XXXX XXXX XXXX. On that Night She attempted several options which inadvertently charged me for game ticket on XXXX of {$150.00}. 

She then charged my card for another {$120.00}. When informed of double charges she then state that I can contact XXXX for cancellation and get refund. After several attempts to get my refund, I contacted CapitalOne to address the situation. 

Capitalone obviously neglected all my information and just refused to address my case. I then call twice CapitalOne to help again. A lady on the phone stated that they will reinvestigate after I submit a written document. I then filled out all the paper and return back to CapitalOne and till today capitalize has not resolved my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Mortgage Service XX/XX/2016 ATTN EXCALLATION DEPARTEMNT LOAN NUMBER XXXX XXXX, Chief of the Escalation Department. 

Dear XXXX : I am in receipt of the letter send from you Department on XX/XX/2016- Someone is CLEARY NOT PAYING ATTENTION TO MY ACCOUNT : OR THE RETENTION OF MY HOME- When I received the call on XX/XX/2016- from XXXX he knew that the DOLLARS where incorrect on my Modification Denial with the UNDERWRITING DEPARTMENT not adding any rental income. In addition, his superior called me per my insistence in the Denial of the Modification an also concurred that there was no rental income and the Modification showing a NEGATIVE loan ratio of ( -140 % ) -- Debit to income- NOW let 's look at page one of your XX/XX/XXXX letter FROT with ERRORS- and misinformation. 
# 1 My net income for EXCURSIONS as sent in is $ XXXX That is my SEDAN CAR BUISNESS No added correctly is the long term rental property income of {$5300.00} discounting the income per HAMP at 75 % is a positive {$3900.00}. THAT would clearly make a monthly NET income to me of {$6500.00} per month NET to ME XXXX- take away the MORTGAGE PAYMENT for the rental unit of {$2600.00} = {$3900.00} take away with a new HAMP MODIFIED PAYMENT on the balance of {$370000.00} on a 2 % note the payment would be at {$1300.00} per month- plus taxes and insurance of roughly {$500.00} per month I would be at 50 % LOAN TO VALUE NOT NEGATIVE 140 PERCENT- SO, let 's look at {$6500.00} a payment of {$1900.00} would be a positive 32 % Debt to income ratio- Now please try to explain this to the Consumer Protection Bureau- your response is not posted on my site and a second note was sent to you for my concerns of your response. 

XXXX CO XXXX- XXXX CC XXXX Attorney on File and the Consumer Protection Bureau. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

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 2022-04-10
Company: I.C. System, Inc.
State: MI
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:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15.U.S.C. 1681 section 602 A States that 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.

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 2022-04-10
Company: Experian Information Solutions 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, the XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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

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 2020-03-25
Company: Experian Information Solutions Inc.
State: NY
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:
there are unauthorized inquiries reporting on my Experian 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 2015-04-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen does not have any ideas about mortgage loans, they have informed me that I am negative XXXX in my escrow account, and this is incorrect. 
I have also been told that my account is in the bankrupcty department and no one has active bankrupcty that is on the mortgage account, I have asked this department on several occassions to remove my account from the bankruptcy department and to date have not been removed from that department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them 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 2022-09-02
Company: EQUIFAX, INC.
State: MD
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:
Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2022-09-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them 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 2022-04-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my priority account and sent my account to the fraud prevention department on XXXX XXXX 2022. I want to know why and they are going to try to report me. I don't think that's right when you have your own money go into a account and go get it. There manual says they will charge me XXXX dollars. They never did.

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 2022-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. 
Transaction history is not to be reported according to the consumer laws. 
The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. 
The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I checked my credit reports from all three major credit bureaus and I had found a debt collection company called Cavalry Portfolio Services , LLC I didnt take it seriously until early this year i began trying to clean up my credit report, they had bought my old XXXX credit account, which I am going through a settlement with a debt relief company, I immediately reached out to the credit bureaus and Cavalry Portfolio services about the amount they say I owe them is {$4800.00} I have written to cavalry portfolio services for proof of the debt, three times already and I had the letters certified, out of all three times, I had heard no response from cavalry portfolio services, but the Three credit bureaus came back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I have been banking with Bank of America for over 25 years. Today, I tried to log into my account and could not. I contacted Bank of America and I was informed that they closed my account for business reasons and there was no other explanation from them. I have never bounced a check, I have excellent credit, and I have never had banking related issues with bank of America. I have a lot of auto ACH transactions with BOA that have been set up for years and suddenly shutting down my financial life without any notice or explanation has created tons of problem for me. How can this be legal? Why wo n't they give me time to move my relationship, how can they create such a financial burden for me without cause or notice. This is unfair.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
there are unauthorized inquiries reporting on my credit report that I do not recognize

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 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXXXXXX XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I have not knowledge at all of coming into any agreement signed or otherwise with MIDLAND CREDIT MANAGEMENT. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by MIDLAND CREDIT MANAGEMENT that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my XXXX credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: SYNCHRONY FINANCIAL
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation 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 explanation