BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am asking for your help in trying to determine how the {$80000.00} was tagged on to this mortgage. I filed bankruptcy in XXXX and was unable to pay my mtge for one year I believe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since then, I have had this mortgage bought out by several different firms and transferred without any choice of my own. I have asked each company for an explanation of this additional {$80000.00}. How can they tag on {$80000.00} FOR ONE YEAR OF NO PAYMENT???? Can you tell me who I can seek help from on this? Someone who will investigate where this occurred and why and explain to me how this can happen to a XXXX  citizen in Florida and where do they go for help. I am hearing so much mortgage fraud and wonder if I am a victim. I would appreciate any help you can give me, my husband is XXXX on social security and I am still working at XXXX so we can make ends meet and we want to be able to live on a fixed income. Our home is our only asset having lived in this house for over 35 years, and this mortgage balance seems to never go down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried to get Flagship Credit Acceptance to reset my online account so I can see what I owe and track my payments for 3 months and they continue to give me the run around saying they can not fix it. They call me and say the same thing over and over again. A Representative called me today and had me on the phone again during my work hours to accomplish nothing. It should not be this hard to reset an account so I can access it. This totally unacceptable and I am out of patience.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.

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 non-monetary relief
Consumer complaint received 2022-01-04
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: Comerica
State: WV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I get my child support from XXXX on a Direct Express card. 
This month I can't access anything. 
They say my card is invalid. I try to use my Social # and they say it's invalid. 
No one will answer the phone. I've tried numerous times, for more than 45 min., no one answers.

I called Social Security and they say I have to talk to Direct Express. 
I've called every affiliated company and they all say contact Direct Express. 
Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As of XX/XX/XXXX we ran our credit card bill up. We owed {$1400.00} on the XX/XX/XXXX statement. During XX/XX/XXXX I made these payments : XX/XX/XXXX {$2000.00} XX/XX/XXXX {$240.00} and XX/XX/XXXX $ XXXX.The payment date for the XXXX statement was XX/XX/XXXX. The new balance for XXXX was {$4300.00} with a payment due date of XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$2500.00} that is not showing on this statement because no payments were showing but I paid the {$2500.00} before the due date. I did not pay this month in full and accrued interest of {$45.00} which I do not debate. Then in XXXX my amount owed was {$370.00} with a due date of XX/XX/XXXX. I paid XX/XX/XXXX {$130.00} XX/XX/XXXX {$2500.00} and XX/XX/XXXX {$5700.00}. I paid all purchases besides the pending purchases which were the {$370.00} before the credit card close date. I accrued interest which I disputed of {$75.00}. I was told by TWO citi representatives if I pay the credit card off full in two consecutive months, then the interest would stop accruing. So on XX/XX/XXXX I paid XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX as the purchases posted. Then on XX/XX/XXXX I paid the remaining posted purchases of {$820.00} before the credit card close date and YET they still charged me interest of {$6.00}. I contacted them again and because my XXXX has a remaining statement balance it was not considered " paid in full. '' I have never had a credit card company that required me pay two consecutive months to stop interest or have I ever had a credit card charge me interest when I have paid the credit card down to a XXXX balance beside pending purchases. I am a XXXX member and when they switched from XXXX XXXX, we had no say. There was no paperwork we signed. To get a copy of the card agreement you have to request it. This is by far the worst credit card I have ever had. Citi does not allow customers to pay pending purchases online and XXXX XXXX allowed me to. I could eliminate some stress if it allowed me to pay pending purchases but they are using this as leverage to charge interest to customers.I don't see how a credit card company can charge interest when the card was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Forget 30 days. I have been complaining to CFPB, as well as all three Credit Reporting agencies for years, with no Assistance from you or them. 

It is evident that CFPB has the Creditors and Reporting Agencies ' best interest in mind in their Actions and not the consumer. You are an affront to your charter. 

Tomorrow morning, I am making contact with various persons working in the Senate and providing my evidence and explination of all of the questionable things you are doing and your malfeasance. 

I demand you do your job and deal with XXXX, XXXX and Experian immediately. 

You are acting in XXXX XXXX. Your in house attorney should know enough to tell you that intentional bad Faith Actions ( such as protecting ones " Member Companies '' removes all immunit and makes you criminally and civilly liable. 

I demand hard copies and electronic access to accurate reports from all three agencies 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 2021-05-07
Company: Affirm Holdings, Inc
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: Information belongs to someone else

Complaint:
I have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was offered a principal loan of {$260000.00}, at an interest rate of 2.625 % with an APR of 2.658 %. That APR compared to that rate on that principal amount is {$1100.00} in fees ( excluding prepaids and escrows ). The loan disclosures I subsequently received all showed {$2600.00} or more in fees for the loan. XXXX XXXX ( Sr Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX ) even said at one point the APR would be 2.625 % which means {$0.00} in fees to close on the loan. All this was said to me and I accepted and spent my time as valuable consideration to review the documents and work through the loan application. The entire time XXXX XXXX made deceptive claims and plied his trade unfairly in am effort to cost me more money and miss out on other offers that were possibly better. On a 30 year loan this could be over {$12000.00} in additonal costs to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I wrote a dispute to the 3 major credit bureaus TransUnion, XXXX, and XXXX. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX  XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.

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 2022-01-04
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Upstart Holdings, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I officially refinanced my auto loan on XX/XX/22 with Upstart Network. Shortly afterward I made a personal decision to sell my car and was unable to because my VIN is non transferable, due to Upstart 'not having perfected ' the lien as of yet. They gave an expected title processing time for XXXX DMV when I contacted them, which would be XXXX weeks from XX/XX/22. I would call regularly to check on the status of this and customer service will have records of each call I made. Nearly each time I called, my time for processing expectations would be mismanaged or re-set in some way, even to the point of adding significant amounts of time. I was never allowed to speak to any type of supervisor or management and calls were never returned to me as promised. I made an initial complaint to XXXX on XX/XX/22 and this was the only thing that was able to get anyone who you would assume had any authority to respond from Upstart and explain that an error had been made and was now corrected and that the XXXX DMV would have the title from XXXX no later than XX/XX/22 now resetting the expected time to XXXX weeks again which likely will double the time for something that should be a really transparent and straightforward process. Something is wrong here and I am being ignored weather by intention or design. I am actually losing a lot of money because of this issue. I suspect that there is potentially fraudulent activity or some type of compliance violation happening within Upstart Networks who, 4 days after they received my first XXXX complaint, sent a message stating that my loan payment instructions had changed and they were to go here for future payments : Upstart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I don't know if this is a coincidence or not. But I thought it an interesting detail. I need this to be resolved and I would like Upstart to be investigated. I would like to hear from someone on this matter with regards to my title at Upstart and from someone at CFPB about the rest. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX, to remove the listed items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX  Balance : {$300.00}, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have so much information regarding my loan and how XXXX and XXXX XXXX XXXX have handled my mortgage loan. I have tried repeatedly to work with XXXX but the company refers me to their Texas law firm XXXX, XXXX, XXXX, XXXX and XXXX, XXXX from XXXX, Texas and that firm would tell me to call XXXX. Very deceptive since I submitted in XX/XX/2021, {$19000.00} to CENLAR since their office claimed that was what was owed and the money was refunded back to me since I was short {$10000.00} and they would not allow for the fees to be added to the {$56000.00} note. My house will be sold tomorrow, XX/XX/2021 for {$56000.00} so who will pay the {$29000.00} plus that will still be owed? 

I have researched and realized that this company is very deceptive and have several lawsuits against them for the exact same reason they are foreclosing on my property. 

Please help to stop this and maybe it will help another family somewhere not suffer these consequences. 
What I want for them to be investigated and brought to justice for what they do to families along with their Law firm that represents them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation