BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Twice Synchrony Bank has made a mistake of a " duplicate '' payment and sending me refund checks. Even after I requested that the " duplicate '' payment or refund check be voided, I was sent another check. These continual " mistakes '' has resulted in a balance that I am asking to be credited.

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 2022-09-08
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
" My whole Family & XXXX XXXX XXXX XXXX XXXX XXXX & our Income has effected due to that reason. Moreover, I am under XXXX XXXX until XX/XX/XXXX as per my XXXX XXXX XXXX  Hence, I request for a Forbearance Extension due to the reasons mentioned above & please forward my this request exactly as mentioned above in this paragraph to the Investor of my Mortgage Loan for Forbearance Extension. '' XXXX XXXX, Supervisor from Shellpoint Mortgage Servicing told me on a Recorded Line that she submitted my request to the Investors of my Loan when I spoke to her on XX/XX/XXXX but I failed to receive any response from her after sending her several emails. I request a call back & email response from XXXX XXXX. 

I requested Management of Shellpoint Mortgage Servicing to contact me immediately & provide me the Law & Rules which states that I only can get 18 months of Forbearance Extensions irrespective of my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX By FHA, Fair Lending Rules & Federal Rules Shellpoint Mortgage Servicing is Legally Obligated to share the Rules & Laws based on which they are declining my request for Consideration for Forbearance Extensions & not taking forward my request to the Investor of my Mortgage Loan. 

I received Forbearance Extension for my other 2 Mortgage Loans beyond 18 Months. In one Mortgage Loan, I received Forbearance Extensions for 21 Months & another Mortgage Loans I received Forbearance Extension for 22 Months where those Loans are backed by XXXX XXXX XXXX XXXX XXXX  respectively but unfortunately, Shellpoint Mortgage Servicing is not forwarding my request to the Investor of this Mortgage Loan who is XXXX XXXX. XXXX XXXX must have standard process for all Mortgage Loans. Hence, I request, demand & provide Legal Notice to Shellpoint Mortgage Servicing to forward my Forbearance Extensions Request to my Mortgage Loan Investor XXXX XXXX & let me know their response ASAP. 

I also requested Lawfully to Shellpoint Mortgage Servicing to not charge me any Late Fees until my Forbearance Extensions Request is Pending with the Investor of my Mortgage Loan & suppress the Negative Credit Reporting or face Legal Actions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently my mortgage was transfer to Statebridge from XXXXXXXX XXXX. After I made a modification on my loan because financial stress back in 2008. I was  notify by XXXX that my CAP rate will be 4.875 % beginning at the 8th year of my modification. Well XXXX sold the account to this small company and now they are charging me 5 %. When I contacted them to find out what is happening, the said that they could not resolve the issue that I have send a request in writing and most likely contact XXXX. Additional to this now they are charging me with what they describe in the monthly statement as fees for {$2.00} monthly with a YTD charges of {$48.00}. I have never being late on payments with this company and when I inquiries about this charges, they answered that are fees because I have not pay the previous late fees. I may be wrong but I understood that as long as I am not late in my mortgage payments, I could pay those old late charges any time during the life of the loan without any additional fees. Am I wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.

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 2019-12-02
Company: SUNTRUST BANKS, INC.
State: GA
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:
Payments have been made on the card every month but the payments are not being posted. I have had this issue before. I went to use my card the purchase didnt go through and it hasnt been maxed out. Someone has also had a bizarre obsession with all of my personal information causing me to file for identity theft. This needs to be fixed and payments need to be posted ASAP!!!! the card has a XXXX limit

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 2022-02-16
Company: EQUIFAX, INC.
State: NY
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:
Equifax has allowed multiple companies to provide them with fraudulent information to report on my credit report. to my understanding is that Equifax is supposed to report accurate and correct information to a consumer 's report and I have been one that has been treated unfairly because they are allowing inaccurate/fraudulent Infomation on my report.

I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Inquiries XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Diversified Consultants, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX  I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Up to XXXX to XXXX I seen a lot of advertising on Credit karma. They kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday. I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied in or around sometime in XXXX and I got denied for XXXX credit cards and a personal loan I was devastated. I was very upset. I felt lied too. I was marketed for months. Credit karma told me I was pre approved and they told me a blatant lie. I was severely stressed out. I was nauseous for weeks. I had headaches for weeks. Every time I seen I see pre approvals I turn off my phone because it has scared me away. Ive stopped checking my credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
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:
Please do not mark as a duplicate. This complaint is intended directly to Equifax. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to trans union/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : 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 2017-06-21
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: Account information incorrect

Complaint:
Hello I have call XXXX and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the XXXX and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX I have no knowledge of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
on or around XXXX i saw alot of pre-approvals on credit karma at 1st I didn't pay it no attention but credit karma kept sending all sorts of different pre-approvals telling me that I was pre-approved for credit cards and personal loans and that I can refinance my car! everyday I would see these offers very time i logged to check my credit scores! so after a few months of being told that I was pre-approved, I thought I was now in the perfect pace to apply! i got so many offers through credit karma I started telling my whole about vacations and investments we were going to use these pre-approvals for. 
so I applied on or around some time in XXXX and I got denied for 2 credit cards and a personal loan. 
i was distraught, i was very very angry and I felt deceived. i was marketed to for months. 
Credit Karma told me that I was pre-approved. this was a lie! i was severely XXXX XXXX I was XXXX for weeks, I had XXXX so bad I became XXXX XXXX my XXXX went from XXXX now every I see pre approvals I immediately close my phone and shut my computer off. this has made me so XXXX, and XXXX that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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 CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS FIRST XXXX XXXX & XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX BANK XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: WI
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 sent them certified letters asking them to remove incorrect info that was placed on my credit report on XX/XX/20 with regards to a XXXX XXXX collection account for {$1200.00} on XX/XX/20 which they signed for on XX/XX/20. I also submitted a complaint through the CFPB Portal on XX/XX/20 because they had violated the Fair Debt Credit Reporting Act and as of today no response from either communication and the incorrect, illegal information is still in my credit file. They had 30 days from receipt to investigate and that time frame has clearly expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Caliber Home Loans, 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: Account information incorrect

Complaint:
I am going through a modification with a mortgage company. This will be the second time I have taken this mortgage company to court for predatory mortgage practices, In which i won the first time. This time however, this company has reported false numbers to the credit reporting agencies. They have chose to add the legal fees to my outstanding amount, which increases it tremendously. I won the first judgement in which they were responsible for the legal fees, but now it seems they are trying to ruin my credit and in return make it impossible to get a loan. I have never been late on a payment, however I am making modified payments as instructed by the mortgage company and my lawyer. So I do not understand how they can report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CBC Companies, 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 XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3600.00} Date OpenedXXXX Dispute XXXX CARD XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$4600.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance {$530.00} Date OpenedXXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5900.00} written off. {$5900.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5900.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$18000.00} written off. {$20000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$20000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$970.00} past due as of XX/XX/2020. 
Account TypeCell Phone Balance {$970.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeFHA Mortgage Balance- Date OpenedXX/XX/XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.

Company response to consumer: Closed with explanation