BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
See CPFB Complaint # : XXXX. 

On XX/XX/XXXX, the company sent me the agreement for a deferment, as well as reporting the loan as current. ( See XXXX  XXXX ) Per the contract, {$16000.00} is deferred with the first payment of {$1300.00} due in XX/XX/XXXX with the next payment of {$1400.00} due in XX/XX/XXXX ( due to escrow shortage ). ( See SP XXXX, XXXX ) Multiple attempts to make a payment per the contractually obligated amount of {$1300.00} had been made. Shellpoint blocked me from being able to make any payment. ( See XXXX XXXX  ). 

On XX/XX/XXXX around XXXX XXXX, I called Shellpoint and was transferred multiple times over the XXXX minute call ( See XXXX XXXXXXXX XXXX 

I spoke to a supervisor, XXXX at Shellpoint, who said she was perplexed and confused as to why this was " reversed ''. She commented multiple times how there had been no notations left showing why this was the case and that comments are usually required. 

I was also told by XXXX the supervisor, that this was " escalated '', and that I would hear back from the point of contact - XXXX XXXX within 24 hours at the latest. 

To date, I received no response, no updates, and still have no way to pay my contractually obligated amount for XX/XX/XXXX, while my loan is being incorrectly reported as late/unpaid, instead of the contractually agreed upon - CURRENT stipulated and agreed upon by both parties. 

I've attached Shellpoint 's prior response showing all the details- the deferment agreement with consideration causing this to be a legally binding contract, the terms of the deferment that are legally binding, the block payment status on their site, the call log showing the duration of the outgoing call to Shellpoint as they made no attempt to inform me of them unilaterally revoking the agreement without reason or notice, and any other relevant info. 

I still maintain my original statement in my prior complaint - consumers need protection from such predatory and unethical behavior. This is a company deciding to go against a legally binding document, while attempting to foreclose in silence by way of their fraudulently deceptive practices of staying silent until the court foreclose even though we have a legally binding agreement. They refuse to accept my payment, and blocked me from being able to keep my end of the agreement. This is what corruption and fraud are- Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Letter dated XX/XX/2023 from GM Financial Services that they are accelerating the loan in a vehicle I was behind on payments but cured the amount, the late charge of only {$90.00} was applied to the payment I made, and no letter was sent to me or an email that I there was a late fee assigned to the payment, instead they send a threatening letter demanding payment of {$90.00} or the note would be accelerated on XX/XX/XXXX, or in other words, they would repossess the truck, which I have alot of monies tied into. This is the same company who calls every day after the due date of the payment, sometimes twice a day including weekends. XXXX XXXX Veteran self employed as consulting engineer who has close to XXXX  XXXX owed to me from two deadbeat clients, not GM Financials problem, but I told them payment was coming and it was made, this letter is a show of threat and of a big company bringing their might upon a consumer without proper notice or consideration one would expect, {$100.00} gets my truck repossessed, thats XXXX  folks, are they within their rights, sure they are, does it illustrate how cold and uncaring they are or that they could have sent an email reminder rather than this letter which is beyond harmful and its on my credit bureau I'm sure,, {$90.00} XXXX dollars,,, unreal, I get the letter 4 days before the drop dead date, that's bad business practices, I plan on getting my bank to take the note over, I cant deal with this kind of XXXX as a XXXX Vet who is fighting VA for {$900000.00} of back XXXX pay, you see I know what it's like not to get paid, and these jokers pull this XXXX over {$90.00}?? They could have brought this to my attention by email, phone call or other means than this intimidating letter,,, I get the letter on the XXXX a XXXX, letter is dated the XXXX, repossession is for the XXXX,,,, its like they are setting me up to ail almost,,, ,Shame on them, Shame!! I am seriously considering suing them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY CREDIT PRO FILE AND I HAVE SPOKEN WITH EQUIFAX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
-Received an email from Capital One stating that I had a credit card on the way. 
-Called the fraud Department on Monday XX/XX/2023. Opened a case and forwarded to the fraud investigations. 
XXXX XX/XX/XXXX, received the credit card. Additionally, received a letter stating that the card issued was fraudulant with no other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit card that I originally had from XXXX  XXXX went into collections however they sold my information to a different agency which contacted me to settle and pay off this debt and was told that this account would be reported paid and closed this account I made the payment in full. The credit bureau has now updated a report this inaccurate account as a charge off has if it as never paid this account.I reported this as a disputed to the credit bureau asking them to investigate this matter according to them they said that they have investigated and they have completed their report and they have updated my credit information that I failed to pay. I contact original creditors they told me that the creditors that they sold my information to has this account I called that creditor they said yes they do have it that I did pay and settle this account and it was not a charge off and they reported that to the credit bureau however the credit bureau has now updated this Inaccurate information to my credit report this account is viewed as failure to pay and now as a charge off. I responded to the credit bureau to have them update and do another investigation to update my credit report.I paid off a lot of my debts assuming my credit report and score would change. This account has been paid off for two years now. Credit bureau is reporting on some of my Credit report that some of my accounts are paid but I still have not gotten a score in four months.which is now costing me financially with a higher interest rate. Please help me with this manner thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called AidVantage on XX/XX/18. After being on hold for an hour, spoke with a representative who would not tell me why my loan, after being consolidated, was being transferred to another servicer. Also would not help to cancel an IDR plan and switch to a different repayment type. Representative then disconnected the call as I was in the middle of asking a clarifying question regarding my loan transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
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 status incorrect

Complaint:
XXXX  XXXX account showing multiple entries on this student loans on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All 3 credit reporting agencies XXXX, Experian and XXXX have a lot of incorrect information on my report. 


" NON MAILABLE ADDRESSES " In violation of : 15 cfr 1681 Privacy Act of 1974 Inquires, HARD and SOFT, I have no accounts with them a violation of : 15 usc 6801 - 6805 15 cfr 1681 Privacy Act of 1974 As a federally protected consumer. I want these items removed or extend credit to me in a timely matter in 21 days. Further action will be pursued if necessary, Please contact me for the Non Mailable Addresses

Company response to consumer: In progress
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that despite my numerous attempts to dispute the account listed below, they still remain on my credit report. Your lack of action in this matter has left me extremely frustrated and angry. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$32000.00}. It is unacceptable that your response to my previous disputes regarding this account was that they were " previously investigated ''. This response is not only inadequate but also shows your lack of concern for my legal rights. I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), each time a consumer reporting agency receives a dispute, it is required to reinvestigate the dispute free of charge and record the current status of the disputed information or update the item from the file within 30 days. Failure to do so is a violation of the FCRA.

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 2023-05-07
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to PNC Bank several months ago. My original mortgage was not subject to refinance or escrow cancellation fees. 

I recently paid PNC Bank to reappraise my house and remove my PMI. I also asked the bank to remove my escrow arrangement because the bank greatly overestimated our tax and insurance fees for the upcoming year. 

PNC Bank agreed to remove my escrow, but only after I pay almost {$600.00} in fees. I called PNC Bank to inquire about these fees. I explained that I did not agree to these fees. However, the first representative I spoke with was very rude and dismissive. I was told that the fees were extra expenses applied by the bank, and that nothing can be done to waive the fees. 

I also asked PNC Bank to provide contact information for its legal department, so that I may communicate with the bank regarding this issue. Two separate PNC Bank representatives failed to provide this information. 

I was also told that a member of the PNC Bank escalation team would contact me within 48 hours to discuss this issue. However, nobody from the bank has contacted me. 

I believe that PNC Bank is acting in bad faith with regard to my escrow cancellation. Please let me know what further steps I can take to pursue my claim against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: SC
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:
Commisioner of XXXX XXXX has been reporting innacurate information to XXXX XXXX  and experian. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations

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 2020-11-29
Company: EQUIFAX, INC.
State: NC
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/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation