BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I requested a loan payoff from Shellpoint Mortgage Servicing beacuse I had been approved for a refinance with XXXX XXXX XXXX XXXX. I was then told I could go online and request a payoff letter after logging into my account. I tried several times to get the payoff from their website, but I kept getting a message stating " We are having trouble submitting the formal payoff requested. Please try again in a minute or two ''. As of today XX/XX/19, I am still getting this same message. 

My mortgage loan was originally with XXXX XXXX XXXX, but was sold to various servicing companies. Shellpoint Mortgage Servicing is the current company servicing my mortgage loan. 

I have called at least 2-3 times a week requesting to speak with a manager, but I never have because the rep says they are unavailable and will request one to call me within 24 to 48 hours. The representative told me on XX/XX/19 and every time I called afterwards throughXX/XX/19 that I will not be able to get my loan payoff letter until the mortgage rate changes on XX/XX/2019 so they can give an accurate account balance. I asked what was the rate change and when would it become effective.I am trying to lower my interest rate and get a fixed mortgage. She was unable to give me that information as of yesterday XX/XX/19 and she would be sending the loan to the interest rate change department. The rep stated once she reviewed my loan terms, I was scheduled for a rate change every six months, therefore the rate should have changed on XX/XX/19. I stated since Shellpoint hadn't followed the guidelines, why couldn't I get a payoff letter immediately. The rep then stated Shellpoint had until the end of XX/XX/2019 to make the rate change. I explained to Shellpoint I was approved for a refinance and I shouldnt have to wait thirty days for the rate to change before I get a payoff letter, or if the lender could wait that long.The rep stated that this is their procedure and no one could over ride it. 

This practice that Shellpoint is exercising appears to be illegal. I thought the mortgage company would try and help the consumer, not impose additional financial stress on the consumer.I feel I have been treated unfairly and Shellpoint is purposely trying to collect additional money off my loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: VA
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:
Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( Experian, XXXX, XXXX ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from 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 2021-01-13
Company: EQUIFAX, INC.
State: GA
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:
When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amercian Express authorized the withdraw of funds from my business checking account without my authorization. 
These funds, were withdraw from my account at XXXX bank, without my authorization and never apply to my AMEX credit card account. XXXX bank account number XXXX under name XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called XXXX bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need all these funds, to be returned into my account checking account at XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I sent a letter to remove the inaccurate informations 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 the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 2021-06-27
Company: Ingenuity RM, LLC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter in the mail from a XXXX, ND address, requesting a {$50.00} payment to go to a creditor called " XXXX XXXX  ''. I have never lived in anything called " XXXX XXXX '' I have not lived in XXXX XXXX  since XX/XX/2017. I never heard of the place and am not paying it because it is not mine. My amended tax return was stolen from the us postal service  in XXXX a police report was filed with the police department. I dont know if it has anything to do with that but again, this is not my debt. I never lived in any such place. the place that i resided in when i was in XXXX XXXX already provided me with a letter indicating that i was in good standing and nothing was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: NJ
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: Was not notified of investigation status or results

Complaint:
In reference to CFPB Dispute XXXX I called XXXX who claim they never received any request from Home Depot . 

Even though I received an email from The Home Depot Consumer Credit Card ( CFPB is cced ) that " We've sent a request to XXXX to change the XX/XX/, inquiry to a non-display inquiry. ". This letter was dated XX/XX/. 

I have called HD at least 10 times to follow-up and they say they have sent the message and will send it again. 

XXXX mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also Home Depot have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 2023-05-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had an auto loan with Wells Fargo on my XXXX we took out in XXXX we ran into so issues and deferred a few months I was paying on after the deferment for around 6-9 months and when I went to refinance with another bank ( credit union ) I asked for a pay off amount and was surprised it had not changed the pay off amount was the same amount it was months prior over 6 to be exact I then asked and was told oh you have only been paying interest on this loan for the last 6-9 months nothing to the principal also my wife and I did not have great credit but the interest rate was 23.99 % I thought that was outlandish I refinanced the loan in late XXXX or early XXXXsoni did not have to deal with Wells Fargo anymore

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 2021-06-28
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have called an company called XXXX for business credit reporting. XXXX have went over everything that is wrong with my report they said that EQUIFAX BUSINESS is reporting everything wrong even XXXX XXXX XXXX of a different business which is a HUGE VIOLATION AND ALSO THEIR REPORTING WRONG ADDRESSES.. I contacted Equifax business and spoken to several people because they keep saying they will send me a business credit report and they haven't its been a long time now over 2 months ... i called so many time to request it and they keep giving me the run around ... I kept telling them that their reporting someone elses information thats not mine ... The Codes are wrong far as XXXX XXXX, ADDRESSES ARE WRONG THE TRADELINES ARE SCATTERED WITH DIFFERENT ADDRESS ... ITS REALLY STRESSING ME AND HOLDING ME BACK ... THIS IS A SERIOUS VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: U.S. BANCORP
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:
XXXX continues to post fraudulent information related to two fraudulent US Bank accounts. XXXX was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the US and have done so since 2014. The address used under my name is a PO Box . That PO Box was compromised and personal information like social security number and ID were used to open the accounts with US Bank, several other credit card companies and banks. All providers with the exception of US Bank honored the information submitted and confirmed fraud. US Bank, with the help of XXXX, continues to submit the exact same information to XXXX, suggesting the accounts are valid. This is a flat-out lie and XXXX continues to perpetuate this false narrative. I am demanding that XXXX ( who removed the fraudulent accounts only to allow US Bank to submit the same garbage they submitted four times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the US Bank accounts for good. Stop asking US Bank if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following company Transunion. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-28
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: GA
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 Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: GA
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 REPEAT THAT I AM NOT A THIRD PARTY, I AM WHO I AM XXXX XXXX. PLEASE SEND TO LITIGATION DEPARTMENT IMMEDIATELY 911, NO E OSCAR : I have no knowledge of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX. I am sending you this in regards to those accounts. My name is XXXX XXXX I am not a third party company, I am a human writing this. Notice to you that I am a consumer in fact natural person, executor, administrator, holder in due course for any and all derivates thereof for the surname given XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters processing, and I hereby claim that I will d/b/a consumer, XXXX and autograph as the agent, attorney in fact, so be it. Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most high of creation and I depose the following facts so be it, now present. Fact, 15 us code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled Exhibits that Equifax is in violation of Rights of privacy. Not giving consent is fraud, I did not give any consent as to the accounts listed XXXX XXXX XXXX XXXX XXXX are fraudulent. Defamation to my character and trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. Depression and anxiety and mental health. It is damage and punitive damages which is an amount exceeding {$10000.00} you must send to me by 10 calendar days of receiving this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
On XX/XX/XXXX I called and requested a payoff for a lien, that I was told was recorded on my title for {$5000.00}. I was not previously aware of this lien until another bank brought it to my attention. 
Wells Fargo then gave me a payoff for my full mortgage of {$86000.00}. They are unable to give me a payoff for the {$5000.00} because when I refinanced my home a couple of years ago in XXXX, we refinanced {$92000.00} and rolled the {$5000.00} ( which I was told was closing costs and taxes on my mortgage ) into the mortgage so that we were then paying off {$98000.00}. This is the balance my current mortgage started with. 

At this point it appears that Wells Fargo rolled the {$5000.00} into my mortgage and at the same time filed a mortgage GAP lien on my title for {$5000.00}. 

I am currently approved for a HELOC loan ( by a different bank ) for needed home repairs but am unable to close because of this lien and Wells Fargo 's inability to provide a payoff statement. 

I have attempted to resolve this with Wells Fargo but they have not acknowledged my complaint beyond giving me a case number. I have been bounced around between departments and customer service workers while no one will give me any information or a written acknowledgment of my complaint. I have left messages and requested phone calls back, which have not happened or a random department will call and say they can not help me. They have been less than helpful. 

I am currently suffering a hardship because I am under a time constraint to close on my HELOC to pay for my home repairs and it is currently looking like I will not be able to do that and don't know how I will pay these bills without the HELOC - Which was approved but can not be closed upon due to Wells Fargo 's error.

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 2019-02-01
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: Account information incorrect

Complaint:
i have 2 student loans for my XXXX XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based  payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit

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 2019-08-28
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX, Experian and XXXX are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?

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