BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Shellpoint Partners, LLC
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:
XX/XX/XXXX To Whom It May Concern, This letter to explain the journey before and during COVID-19. I need Shellpoint Mortgage Servicing to fix the mistake and remove the late payment reported in the credit report. 
In XXXX of XXXX my ex-husband lost his work after 20 years which was working as XXXX for XXXX Stores in XXXX Florida. 
Since then things changed and we ended up filed for divorce in XX/XX/XXXX and finalized on XX/XX/XXXX. 
The forbearance was approved XXXX of XXXX until XX/XX/XXXX and due to Covid-19 circumstance the lender call at the end of forbearance and offer an extension until XX/XX/XXXX. 
My ex-husband found a part-time job at time but it wasnt enough to pay the bills. 
In XXXX of XXXX the Shellpoint Mortgage Servicing called again to know the status of the situation which nothing changed. They extended until XXXX of XXXX the forbearance plan. My ex-husband continue looking for work full time position and no luck. 
They extended again until XX/XX/XXXX and follow up regard to financing situation which still the same. The divorce finalized on XX/XX/XXXX. We didnt have alternative and try to comply with the due date of the forbearance plan. We decided to put the house for sale when the listing start on XX/XX/XXXX. 
The Shellpoint Mortgage Servicing called to follow-up then we notified them the house was put for sale due to lack of income. They agreed to extend again until XX/XX/XXXX. 
We notify them in XX/XX/XXXX that forbearance will expired next day if we need another extension to cover the selling period. 
They said no needed because they could see the house was in the market and nothing will be report to the bureau. The house was pending sale on XXXX and deal didnt go through. 
We notify the Shellpoint Mortgage Servicing and advised us the nothing need to be done at this point and no extension needed it. Finally! We sold the house on XXXX and paid in full. Our mortgage was FHA Loan Number XXXX and qualify for extension up to 18 months. Shellpoint Mortgage Servicing keep telling us everything is okay nothing do to and ended up reporting 1x 60 days mortgage payment late. If the forbearance expiring 18 months after the initial request XX/XX/XXXX then will expires on XX/XX/XXXX. Why 60 days reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax did not protect my personal information from being accessed in their 2017 data security breach. I was confirmed to have had my personal data compromised by this cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting 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/block any items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 2018-10-30
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Finance is a scam. I have been fixing my credit for a year now. I got a XXXX XXXX card and just recently this year this random company hit my credit for an old medical bill from back in 2014. Nothing has ever been reported and I have never been notified of this debt. I was never notified that I had a debt. In fact the one time I went there I got my medical bills covered by a grant and by XXXX XXXX for using me to test trial a new medical gauze. Until now I had never heard of this debt. I disputed it and XXXX XXXX took it off. Then suddenly I get 2 accounts from the same company " Commonwealth Finance '' 3 times the original amount. I have read about this company and everyone is having similar issues. This company does fraudulent business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response a letter dated XX/XX/2018 from XXXX XXXX   XXXX, XXXX claiming I owe them {$700.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXXXXXX, XXXX this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX my fiancee and I received a letter from our mortgage company, Freedom Mortgage, stating that we could do a FHA streamline refinance to save some money. We called and applied. On XX/XX/XXXX, we closed on the refinance and sent out the closing costs in a wire transfer. We thought everything was fine and we were told not to pay a payment for XXXX or XXXX. 2 weeks later I received a bill for {$3400.00}, the amount of XXXX 's and XXXX 's payment plus late charges. I called Freedom mortgage and was told that my new loan was funded on XX/XX/XXXX and to disregard the bill. The money for XXXX 's payment was spent on vehicle repairs and to fix a plumbing issue because I thought it was safe to spend it. Less than a week after that phone conversation, I started receiving emails and phone calls ( 10-15 a day ) saying that I needed to reschedule our closing. I called to find out what was going on and no one could tell me why. Finally, I got an email stating that the closing company hadn't received the closing costs. After being told that for over a week, they refunded me the closing costs that they claim they did not receive. Then I was told that the closing company left out a document and in order to reschedule closing, I would have to pay the XXXX bill. I had to put other bills on hold but payed the payment ( over a month late ). We rescheduled for XXXX. One hour before the notary was supposed to come, I received an email stating that Freedom mortgage was in the process of removing late charges from my account and we would have to reschedule. The following week I received a call and several emails saying that I would have to pay XXXX 's payment to reschedule. I did not have the money to do this. I told them that I was applying elsewhere because they were incompetent. The following day they turned me in to the credit bureaus for late pays and lowered my credit score almost 100 points. This completely blocked me from switching companies. My payment history was exceptional for my mortgage and most of my other accounts. The only reason we fell behind is because we trusted our mortgage company to handle a simple refinance. Now I have had to cancel a planned vacation and I have no idea how my kids will get a XXXX. I cant sleep at night., Please tell me they are not allowed to treat people this way.

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 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
trans-union removed my inquiries and put them back on without notifying me. ACT 611.

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 2017-10-03
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX  to help locate me in the system

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 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/22 I deposited my paychecks into my Capital one Checking account, checking a few hours later to see what's going on, I find that they have been held for over a week with no reason or notification of any issues from the company. I attempted calling several times and got directed to call Saturday XX/XX/22 because " The checks need to be in for at least 24 hours '' Saturday XX/XX/22 I call in to the customer service line. I am told they can not provide me a reason and am forwarded to a manager, they tell me they can not provide me a reason. I demand to be forwarded to someone who can, the manager forwards me to the security department. I explain what the checks are for and the security department still can't explain why they are holding my checks and force me to give a number to my employer for them to do their job to verify the check. I do so, they say " Well we can't get a hold of them '' and tell me to call back MONDAY... I demand a supervisor because this is unacceptable and I am abruptly hung up on. 

My Second call to the same department starts the same way. I forward the details to them to verify, they make 1 attempt and now I have to call them TUESDAY. I demand a supervisor and once again I am hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.

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 2019-11-25
Company: CORELOGIC INC
State: TX
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:
I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXX. We are looking to purchase a house and this is holding us back. Thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX delaware  Account number 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 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, I made a payment through t the Capital One website for {$300.00}. On XXXX XXXX, an automatic payment was made for {$1400.00}, because of a setting to " pay full balance '' or similar setting. This was unintentional, as the setting had been made months ago, when bill was normally under {$10.00} monthly. When I realized that this transaction was pending in my checking account with my home bank, I contacted Capital One to cancel the transaction or set up a refund. I was told that the transaction was already processing, and to contact them when it went through and cleared my checking account, that they would refund it for me. I called on XXXX XXXX when it was cleared from my checking account. I was told that the refund was processing and could be several business days. I then received a letter in the mail that the transaction was unable to be processed at this time, but to call if I had questions. 
On the evening of XXXX XXXX, I called, and was told that the reason it was declined or unprocessed was that my banking account number and routing numbers were not on file. I then provided this information. A week later, I still had no refund. Today, XXXX XXXX, I called checking on my refund. I was told that it was processed on XXXX XXXX, and declined on XXXX XXXX, but that it was because my bank declined it. I was advised to call my bank, but I was assured by them that I needed to make sure that Capital One had the correct routing number on file, and selected checking account to ensure proper transaction. 
When I called again, for the second time today, and fifth time contacting Capital One in two weeks over this issue, I was told that they just could not refund it, that it would keep getting declined, and did " not meet the criteria '' without any examples or answers on what this criteria is, for a refund. I just bought a home, my checking account is empty, I am paying over charges and fees for bills that I can not cover in my checking, and Capital One will not return MY MONEY to me, or provide a reasonable explanation. I closed my account with them, but I still need that money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Chase on XXXX/XXXX/XXXX at XXXX XXXX time to close my credit card account. After a 45 minute phone call, talking to numerous departments and supervisor, they refuse to close the account. Even though they say the account is closed, they will continue to accept charges on the account that I am liable for. The account is not closed if they continue to allow activity on the account. 

They say that this is for recurring charges, with a prior authorization. They say that a contract is in place with the vendor they must honor. However, I never signed a contract with any vendors authorizing them to charge my credit card indefinitely. Chase refuses to honor the contract I have with them as their customer to permanently close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions 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:
loans show up on my report and its not mine, i have police report # XXXX Id theft

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 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: OR
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:
A year ago I worked for many hours to help heal myself from identity theft but Equifax refuses to help but instead abuses me. This collection is the result of identity fraud. I have filed multiple police reports, complaints, contacted Equifax dozens of times and even filed a XXXX   report against this fraudulent collection company but Equifax refuses to take the fraudulent collection file off my report but they allow it to update instead of falling off. This is abuse. I demand that this collection report be removed from my file immediately. Honestly I wish I could ask for an apology from Equifax but I know that is impossible. 

Date Reported :XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I 've been having problems with my checking account and overdraft charges. It 's gotten so bad that I 've been sending my auto loan payment in to the same bank late now for a few months. Is there anything I can do to try and get these fees refunded to me so I can breath again?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i had 2 Kohl 's Charge cards, made full payments on time all the time. One day I made a full payment on the wrong account before the due date but did not notice the error it until the statement came with late fees and interest charges. I called the costumer service and transferred payment from one to the other. They apparently waived the late fee but not the interest and the next month late fee on unpaid interest shows up. I called again and rep refused to hear my explanation and refused to connect me to a supervisor. Later on a second attempt they agreed to connect me to a supervisor but was on hold for 20 min. Meanwhile, every month I am getting a late fee charge for an interest that should not have been charged at all. They are only interested in taking your money, not in customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: MT
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:
On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been updated.

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