BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I XXXXXXXX  an overnight packet containing two checks requiring co-endorsement that I received from XXXX XXXX XXXX XXXX for repairs to my home post Hurricane XXXX. Also contained therein was a contractors certificate of completion, as well as the claims adjusters repair estimate, as was requested by Newrezs loss draft department. This letter was received by the mortgage company on XX/XX/XXXX. As of today, XX/XX/XXXX, the funds are being withheld for absolutely no reason with another phony assurance that it will be another ten business days before the checks are sent back to me. And this, mind you, after I was cajoled into purchasing a XXXX overnight package for {$16.00} for speedy return of the aforementioned checks to pay the roofing contractor. This so-called mortgage company with its endless list of consumer complaints and shady business practices needs to be fined and shut down. I also have evidence of fraud in handling of the escrow account attached to my mortgage. Currently, a forensic accountant I hired is reviewing prior account statements. 
The loss draft department has been negligent in answering the phone in a timely fashion. I base this observation on my inability to speak with anyone there after hanging on for 45 minutes or longer several times. A recording during the wait advises leaving a message, but this has proved futile because calls are never returned. Actually, TODAY WAS THE FIRST TIME my call was returned but by someone who claimed to be a mere call operator ( would not give her name ) and couldnt answer specific questions I had. Ten more days for management to review the checks, maybe. And this only after I called corporate headquarters in attempt to speak with someone in upper management. 
My mortgage loan was sold to Newrez by XXXX perhaps 4 to 5 years ago. Given the long list of complaints against Newrez by employees, customers and former employees, it is most unlikely I would select such abysmally dishonest company to conduct business with. 
Today, I called a Newrez/Shellpoint toll-free number and was instead greeted by an obnoxious salesperson with no interest in helping customers, only selling some kind of XXXX XXXX device completely free! Purchasing something as mundane as toilet paper ( use it once and throw it away ) from Newrez would be fraught with XXXX. Caveat emptor. 
This company is without question another XXXX in the making. It desperately needs to be investigated. XXXX is too kind a word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: NC
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/ I started dispute negative inquiries, in the process of doing so numbers of inquiries kept going up more. I've frozen credit till I resolve my identity back. I was hack it went from XXXX to XXXX inquiries with in a hour in herd of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: LA
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:
On my Equifax credit report there is information on there that has been paid off and they are still showing it on my report with balances. I reported it to the XXXX  and they said that the information was showing as inaccurate but still refused to delete it from my report. When I spoke to them after I received the response from the XXXX they told me that they up date the information every 30 days. I paid those loans off on XX/XX/XXXX and it's almost XXXX and they are still on there. There is also two hard inquiries that should have fallen off one the XXXX and XXXX of this month and those are still on there as well. She also told me that on her end those were removed but just hadn't been removed on my end. I want to purchase a house and those balances will hinder me. That is why I paid those off. Both of the other credit bureaus took those items off as soon as they were reported as being paid off. But they keep telling me it takes 30 days to report. Well if they took them off on their end why didn't they take them off on my end. When I log in to my report I still see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: FL
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:
its been more than 4 months that I sent all documents to credit bureau to delete those wrong information, I sent a copy of ftc report, also they asked me copy of my driver license, social security and a bill, everything was sent. the only company that did not correct the fraudulent information was Equifax. 

delete hard iquiries alredy sent ftc and CFPB report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-07-26
Company: Nelnet, Inc.
State: OH
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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: DISCOVER BANK
State: NJ
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 have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from Discovery Bank a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX  and XXXX ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XXXX explaining my escrow was going to be short and my monthly payment would be increasing as a result. Then I received a letter saying I was going to have force placed insurance purchased on my behalf because of insufficient coverage. I have been trying to figure out what is going on with so so many phone calls to my mortgage company. Almost every call gets me a different explanation with little to no help to actually resolve the situation. I have been told I was being charged for a force placed flood insurance policy, that I have two different homeowners insurance policies being billed by the same company, that I do not have sufficient coverage, and that the master insurance policy for my hoa can not be applied to my account because of the property type being labeled as a single family home when it is actually a townhouse. I have spent hours and hours on hold, explaining the situation, re explaining the situation, and asking for support to have this addressed so my mortgage payment could be accurate. 

To. No. Avail. I am exhausted. I am angry. My time is being wasted. I am not being respected. 

Everyone on the customer service line politely tells me that after any changes are made I will be reimbursed for overpayment. At this point, I have not been able to correct the first error in the escrow account ( two different policies with the same insurance company being factored into escrow, when only one policy actually exists ) which has already increased my mortgage by almost $ XXXX/month as of XX/XX/2023. Now they are additionally threatening to increase my mortgage even more due to force placed insurance that I do not need. I have little confidence in their ability to accurately address these issues due to my experience thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
{$6200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

I handle business for my company for several months utilizing paypal with no issues. 

At one point my supplier was late sending a product shipment. This cause many people to file complaints. As the products came in a shipped them out ( with tracking ) asap, but many were late. 

About 160 days or so prior to XX/XX/2020 my account was put on hold and I was told I had to wait 180 days to receive my funds. On XX/XX/2020 Paypal neglected to follow through with their original promise and deducted EVERYTHING from my account to credit themselves, unjustifiably. 

I contacted them on multiple occasion and have yet to receive a valid explanation as to why they took my funds and caused my business to fail in the promise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX the original debtor. There was a error in there system I paid but they sent my account to collections by mistake. XXXX provided me with a audit form to send to the collection agency to prove I paid this account. They still haven't removed this account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2023-04-26
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ever since UAS Connect has switched over from previously being UAS echo I have had issues with my payments being processed. I have tried the autopay option with them and even though they withdraw the payment on their requested date, the payment doesn't " process '' until after the due date, even though payment was submitted and received prior to the due date. When I do this process manually, rather than through autopay, I am left with the same result. Whether submit my payment days in advance or day of, I am still charged a late fee and penalties. Also on XX/XX/XXXX of XXXX  I submitted a request for a reduced payment plan and subsequently filled out all necessary forms and returned them to UAS. To this day they deny receiving that form event though I have the proof of it in my inbox. When I try to resolve these issues I am left on hold with no eventual response. They are stonewalling anybody who tries to get any answers or solve any issues. I have looked online and I am not the only individual having payment issues with this company. I do believe that they have malicious intent and do not stand to serve their customers. Any and all help is very much appreciated! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
Target is claiming to have sent proof of debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. Please stop calling my phone and instead send me all the information you are requesting in writing to address above. I am requesting the following to be sent to my address above : Original debt contract with my signature Proof of Debt assignment All legal binding contracts Payment history Name and address of original creditor I am requesting this to be sent immediately or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS In response to my complaint, all I received was a statement, and according to their credit back, reporting, I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report. 

15 US C 1681 section 604 A 15 US code 5 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: PNC Bank N.A.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On or around XX/XX/XXXXXXXX  through XX/XX/XXXX I applied online for a loan of {$2000.00} from PNC Bank. I was approved and was told to go to branch and sign loan documents which I did on XXXX XXXX at approximately XXXX. I went to the XXXX XXXX Branch on XXXX XXXX and met with banker XXXX XXXX who produced documents for an unsecured loan and a cashiers check for XXXX XXXX dollars, which was cashed, I then left the bank. On XX/XX/XXXX at approximately XXXX I returned the money for the loan as it was no longer needed to teller XXXX XXXX. I have had many dealings with this teller as she has handled many transactions for me over the years.She asked for my drivers license, and bank card and I gave her the XXXX XXXX and told her to apply it to the loan, which she did. For the next few days there was a XXXX balance on the loan untilXXXX XXXX when I noticed that the bank had put the loan back on. I called the branch and was hung up on three times. I finally reached XXXX XXXX the asst VP told him what happened and he said he would look into it. I was told to wait a couple of days and then it was escalated to executive client relations XXXX XXXX and XXXX XXXX. They kept insinuating that the loan was not paid and I asked them to pull the security tapes which they still have not done for the payoff date of XXXX XXXX. I have consistently been informed that after paying the loan I called in for payoffs ( I Have mobile banking did n0t need to ) XXXX XXXX said that maybe paid something else always story. On XX/XX/XXXXXXXX  i along with my wife went to the branch spoke with the teller XXXX XXXX and asked if she remembered the trans action, she did vividly, the amount, where it was applied and we had a talk about our children and the upcoming school year. I asked if anyone had interviewed her about the missing money and she said I did not even know about it.I then went and spoke with XXXX XXXX and asked if he asked the teller involved about the transaction, he replied I have not talked with anyone.I asked if he could call XXXX XXXX into the office to corrobate my claim and then inform escalations in PNC. He Stated '' It does not work like that. '' It is my opinion that they dont even have the tapes which should be time stamped, and dated. They put the loan back on, refuse to take it off even with a paid in full letter dated XXXX XXXX  from PNC thanking me for paying the loan in full. Please help they are trying to destroy my credit and reputation Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and was reported as such on all XXXX reports. Upon a credit pull today I see this status has been changed. This account was paid IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Open/closed Open Date opened XX/XX/2023 Account type Credit Card Status Current Status updated XX/XX/2023 Past due amount - Highest balance XXXX XXXX Monthly payment {$15.00}

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 2021-07-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been contacting LOANCARE for 8 weeks requesting a 90 day forbearance. My loan is Fannie Mae owned and even the customer service representations at LOANCARE have verified that I am qualified for the 90 day extension. But they say a " team leader/supervisor '' in collections must issues the extension. I sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with all necessary info. and the request and that fact that they were not responding. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also explaining he situation and their lack of response. @ times i was told my issue had been " elevated " and 3 times I requested to speak with a " team leader/supervisor '' as I was told they were the only ones who could correct the issue. All 3 times they were supposed to call me back and each time I answered they disconnected before I was able to speak with anyone. The wait times on the phone run into hours and they NEVER respond to emails at ANY of their addresses. Their lack of ability to properly service my loan is causing me financial difficulty and is violation of the federal cares act as well as federal loan servicing standards.

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 2021-07-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.

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