BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Shellpoint Partners, LLC
State: CT
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:
A review of Shellpoint CRAs XXXX reporting of Account shows copious payments made on time not being reported. Borrower has made several requests for Shellpoint to correct CRAs reporting in XXXX. 

XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

In XX/XX/XXXX no payment was made. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Shellpoint wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Shellpoint wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Loan modification granted. Began pre-loan modification agreement. 

In XX/XX/XXXX, XXXX made the first payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the second payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the third payment on time, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the fourth payment on time, in agreement with the loan modification agreement. Shellpoint sent Borrower loan modification agreement without the agreed-upon deferred principal balance. 

In XX/XX/XXXX, Borrower made the fifth payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX through XX/XX/XXXX payments to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Shellpoint sent Borrower the correct loan modification agreement. 

In XX/XX/XXXX, Borrower made the payment on XX/XX/XXXX. Shellpoint CRA reporting shows No Data Reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit report after I complained last XX/XX/23 and I discovered that some of the information on my credit report was incorrect. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: OH
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 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 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 2022-06-06
Company: CITIBANK, N.A.
State: CO
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/XXXX I created a Virtual Account Number ( ending in XXXX ) to make an online purchase. I utilize Citis Virtual Account Number feature to set up disposable card numbers to make online purchases to guard against my actual card number being stolen. I had set the expiration date as XX/XX/XXXX and set the spend limit as {$40.00}. On XX/XX/XXXX I received a text and email from Citi asking me to call their Fraud Dept. I discovered that the Virtual Account Number I had created had been used fraudulently. I called Citi and the representative deactivated the Virtual Account Number, but then also told me I had to cancel my credit card and get a new card. I dont understand why I would have to cancel the card the thieves did not have my actual credit card number, they only had the Virtual Account Number. Multiple other charges were attempted using the Virtual Account Number, but they were declined because they were over the {$40.00} spend limit I had set. Only 3 charges, each under {$40.00}, actually posted to my account. I talked to 3 representatives and they all told me the same thing I had to cancel my credit card. This is a hassle because now I have to go contact merchants I have set up for auto-bill and change my card number on file. Why do I have to do this if the Virtual Account Number has been closed? The Citi representative told me I could not dispute the charges that were made if I did not close my card. Reluctantly, I agreed to just close the card. Now it is a week later, and only one of the charges that posted to my account actually shows up as in dispute even though I talked to multiple representatives, told them the 3 charges associated with Virtual Account Number ending in XXXX were not mine, and agreed to close the account, they didnt even flag all 3 charges as disputed and Im not able to do it myself online because I get an error message that I have to call them. Ive already spent 1 hour and 33 minutes on different phone calls with Citi and I can not invest any additional time into this matter. I am extremely frustrated that they made me cancel my card even though all the charges ( and attempted charges ) were made using the Virtual Account Number that has been deactivated. Citi call center representative obviously do not understand the product offerings, to the detriment of Citi customers. The entire point of a Virtual Account Number is so that it can be used to make purchases online and if the number is compromised, its easy to deactivate and you dont have to cancel your actual card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Im not able to receive my credit report, every time I tried it was denied because I dont have a social security number I just have an ITIN number. What I need to do to get my credit report if they arent accepting my ITIN number instead the social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/22 I filed several disputes to all XXXX major credit bureaus and I have received no answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-06-21
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: Account status incorrect

Complaint:
There are multiple errors on my credit report. I have been trying to fix these errors for months. These things have been re-inserted multiple times onto my account. Not only is it incorrect and erroneous however it is not permitted that derogatory items be re-inserted once they are taken off. The account of XXXX XXXX  was never late I have sent in sufficient proof showing evidence of this. I have sent how the item looks in other credit reports multiple times and this issue still has not been fixed on Trans Union. I also have a late payment showing on XXXX XXXX  self lender in which the payment was not late and the company said that they can XXXX remove it I have also tried to dispute this and have not been able to take it off. The account shows incorrect information such as name, amount owed, balance, etc. We also have some closed accounts with late payments these payments occurred during the pandemic. The accounts XXXX finance and XXXX consumer are incorrect and erroneous they do not have my valid information they have incorrect account information and derogatory items should be taken off. Last payment date in incorrect and monthly payment is incorrect. XXXX and XXXX negative items were also reinserted after being taken off. I have a loan from XXXX XXXX financial that was taken off from my report. When I call the credit bureaus they tell me to call my creditor but when I call the financier they said i I have to call my credit bureaus. Its an entire run around. I also have a loan from snap finance paid in full and would like to add to my 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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 DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS.

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX : I wish to explain that the application does not provide a box for what I report and request here. But nonetheless ; is a claim since it is related to the Agency. I hereby request a Thorough and Official Investigation regarding my claim XXXX submitted on XXXX. 
I checked on XXXX my claim on the CFPB Official Web Site and the information in the : " Company Responded Section Area '' is not the same from the CFPB " Original '' Form on my records and printed on XXXX. 
I respectfully request information and explanations of the Reasons that CFPB had to " change the case information 2 years after the case was closed. 
On XXXX XXXX Company Responded : " it could not confirm who submitted the claim. Now on XXXX  states : " The Company sent its response directly to you and provided a copy of the CFPB, it may take a few days for you to receive the company 's response. To protect consumer privacy the CFPB, has not included the company 's response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint ''. 
The alterations of the Section changes the facts reported in the other case that I submitted on XXXX case # XXXX ; but, in my case Statement, I mentioned the information in reference.

Changing the final decision after the case was closed, deleting the original format of the part in reference, only benefits the position of the Bank since it justifies ; its deceptive, abusive and unfair actions reported by me, which the Bureau does not allow.

The Veracity of the facts is untouchable and there must be trust and security towards the Consumer Financial Bureau, official documents can not be altered. I will like the Bureau to investigate who?, Changed that information ant the Reasons for doing so. Please send the results of the Investigation in writing to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

FW to : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Lawyers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pd : Awaiting for a Priority Box of documents sent to CFPB with a COD returning Service. ( I will Pay upon arrival ).

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 2022-06-21
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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX stated my account with XXXX ( XXXX- card service ) ending XXXX was properly investigated multiple times over the past 7 months, however how is this possible when the closed date is still inaccurate, payment status is inaccurate, payment status is inaccurate and last activity is inaccurate. 
The inaccurate information is a cause for removal, Equifax also violated my rights under ; 15 U.S.C. 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2- also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5th 3rd Bank purchased our mortgage. We have attempted to make payments over 20 times. Every time we call the multiple phone numbers available online and in the paperwork sent to us, we receive rhe same message : " our call center is closed, please try again later. '' The hours they state are XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. We have called multiple times in this window. We have sent in their automatic payment set up form via mail with receipt showing received. They have not responded to us in the entire month since they purchased our loan despite multiple efforts to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Shellpoint Partners, LLC
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:
I was under covid forbearance with Shellpoint Mortgage prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. Shellpoint reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. Shellpoint 's actions were abusive and unfair and I want them to remove these delinquencies from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: LA
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 stated that inaccurate late payments are being furnished on my report that needs to be removed. Per my request the information came back as : Meets FCRA requirements and has not been removed. HOWEVER, THE FOLLOWING INFORMATION IS IN VIOLATION OF 15 USC 6802 OF THE GLBA. MY NON-PUBLIC PERSONAL INFORMATION IS BEING FURNISHED TO NON-AFFILIATED THIRD PARTIES IN WHICH I NEVER GAVE LAWFUL CONSENT TO DO. As a result, this information being reported ruined my financial reputation and is in violation of 18 USC 894 of using unlawful extortionate means in which you can be held criminally liable for 20 years. These late payments need to be removed immediately as this is a breach of my privacy. Nothing under the FCRA requires the furnisher to furnish any negative information about me so furthermore, I am requesting the name of the person who verified this information was accurate as if they have lawful authority to do so as well as their telephone number and address. This is my last attempt to settle this matter before taking legal action for willful non-compliance for not following reasonable procedures in making my report fair and equitable to me the consumer

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 2022-06-06
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Attached is a copy of the letter I sent to XXXX be XXXX XXXX of the board : XXXX XXXX XXXX PenFed Credit Union XXXX, Board of Directors My name is XXXX  and I have been a member of the PenFed credit union for the last five years maybe a little longer. Ive been very happy with my account and the services you provide until this last month. For reasons that have not been explain to me my account was blocked and from what I understand the account numbers was changed and money was taken out and transferred and more money was put into my savings account and then taken out. I have repeatedly ask for the amount of money that is in the account, to be able to look at the transfers and whats going on. Also my credit card I dont know whether somebody is using it not using it because I can not look at the account. I have call repeatedly asking for the amount of money that is the Account, My Social Security check is sent there and I do not know if I got a check or knot. The only info that get I get is that nobody can tell me anything. And I think youll have to agree that this is not a very good way to run a banking system when you can not transfer money in and out of an account, will not tell the customer how much money is in it. They now tell me that they dont know who I am I sent them a copy of my drivers license social Security card and a utility bill and they still say they dont know who I am. This is the reason Im writing a letter to you with the hopes that you can take a look at it and please just let me get out of this organization I dont want anything else to do with PenFed Credit Union XXXX I am a XXXX guy just trying to get by in life and when you hold up my Social Security money and money in my checking account all its doing is making my life miserable. Please help .... 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 2022-11-24
Company: JPMORGAN CHASE & CO.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation