BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am complaining out of frustration with the Modification/Workout process with Shellpoint Servicing. I  have been trying to avoid a foreclosure and in XX/XX/XXXX after some correspondence with Shellpoint I informed them of a change in our financial situation. It follows a Chapter XXXX Bankruptcy I filed in XXXX to eliminate all debt and with substantial increase in income I felt I could have an opportunity for a short term modification or workout which would allow us to stay in the house for an additional 2-3 years. I would pay the property taxes and homeowners hazard insurance during that time. I sent Shellpoint in a timely manner all the financial information they required including a NON-Borrower Contributior which would also make more money available if needed. I informed Shellpoint that our XXXX 1040 income which included W-2s and Social Security income was {$70000.00} which would be increasing in XXXX. Never had a phone contact with any decision maker only a single point of contact of which there were many different people assigned to our account for short periods of time. Considering how important this issue is for us there seemed to be no real urgency on Shellpoints part or new owner of the loan to find a workable solution similar to what I had offered. I would like a postponement of the Notice of Sale for 60-90 days in order to see if there is solution to avoid foreclosure that Shellpoint may have overlooked for our particular situation. I realize that at my age ( XXXX ) we will most likely eventually lose the house but based on income how would like to be able to stay a little longer before having to uproot. I have owned 2 homes in my lifetime, the current one since XXXX. The only reason I defaulted originally was an unexpexted loss in income 'in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The XXXX XXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2XXXX  ; indicating my home address was the same.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-07-02
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I recently completed a 26 month lease term 2 months of which were an approved lease extension. I learned as of XXXX that since XXXX. GM had my lease account listed as a total loss. I continued to make payments on time throughout these months due to me being unaware as my vehicle was NOT a total loss. Im the midst of this madness GM had not reported a payment to XXXX since XX/XX/XXXX and XXXX since XX/XX/XXXX. Once the vehicle was returned and the total loss issue was resolved after numerous phones calls, Gm then decide to update their monthly reporting with an incorrect balance. My lease was up as of XX/XX/XXXX but according to my XXXX and XXXX reports, I have not yet fulfilled my lease agreement! TransUnion is showing only 42 % of the balance and term have been completed and XXXX is showing something completely different. I contacted GM where I spoke with both reps and supervisors regarding this issue. The reps tried to tell me that the $ XXXX balance on my credit report were end of lease fees and unpaid balances. I advised her I could send her my payment history ( as o knew she had right in front of her ) to show her this was not right. I spoke with a supervisor who confirmed my end of lease invoice had not yet been generated which confirmed that this balance was not from those fees especially when the 2 reporting agencies have 2 different balances. I have since gotten a new vehicle from a different lender because I want to stir clear from GM. However, according to 2 of the 3 major credit reporting agencies, I have now 2 car loans that I am making installment payments on which aid affecting my credit worthiness due to debt to income ratio issues. The supervisor I spoke placed me on hold for an excess of 25 minutes, came back to the line and advised he now understood my issue and that a rep from the reporting department would contact me within 48 hours. It is now 10 days later and I have not received a call or update. I refuse to call customer service because I never get anywhere and the reps and sups are ALL unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a mortgage w/Loan Care which purchased this mortgage from XXXX XXXX XXXXXXXX XXXX XXXX XXXX. In XXXX I did a loan re-modification on public record there are XXXX liens showing on my home XXXX ) dated XX/XX/XXXX in the amt. of XXXX XXXX ) dated XX/XX/XXXX in the amt. of XXXX XXXX ) dated XX/XX/XXXX in the amt. of XXXX. We have been trying to work w/Loan Care for 8 weeks to clear up the title on my home. I was scheduled to close on my existing property on XX/XX/XXXX and close on my new home on XX/XX/XXXX. XXXX weeks ago when this process started Loan Care directed the XXXX XXXX to reach out to HUD regarding the liens. HUD 's response is a follows : It would appear that you are going to need to work the Mortgage Servicer. In XXXX, the ONLY partial claim that was paid was in the amount of {$26000.00} in XXXX XXXX It sounds like the servicer recorded liens that should not have been recorded. SIP can not assist you with this issue. Please contact the mortgage servicer. They will need to verify that they never received reimbursement for those Partial Claims, that the Partial Claims were never funded and applied to the loan and then they will need to request that those liens be released Every time we have reached out to Loan Care we have to tell the story all over again and are told the issue has been escalated for research w/no time frame for resolution. 
Not only is this affecting my ability to close on both homes but now I am at risk of losing a locked in Mortgage rate and if lost will affect my ability to afford my new home.

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 2023-11-13
Company: Selene Holdings LLC
State: VA
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:
Requested assistance in XX/XX/2023 as we were 3 months behind on the mortgage due to loss of income- we are both self-employed. Was told by the representative that we didn't qualify for a modification. XX/XX/2023 received a letter from Selene Finance offering us a modification but the home went into foreclosure in XXXX. We filled out the necessary forms, submitted bank statements on XX/XX/2023. On XX/XX/XXXX, i was contacted by Selene as they needed the profit loss statement for my husband 's business - that was sent in to them. On XX/XX/XXXX they needed by profit loss statement and I sent that in to them at XXXX ; XXXX XXXX. via email. Selene has closed the application on XX/XX/XXXX stating that the application was incomplete and I was informed via a phone call that I placed to Selene. They have no intentions of approving a modification as the foreclosure sale date is XX/XX/2023. 
I submitted anew application on Friday XX/XX/XXXX which doesn't give us much time to stop the foreclosure if they don't review the initial documents sent. I've sent a complaint about the situation to Selene, the XXXX XXXX XXXX who's handling the foreclosure and XXXX XXXX Mortgage Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-03-09
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A corporate card that was never paid by the corporation

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 2023-04-26
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-07-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a trial modification by Caliber Home Loans and have made my trial payments within the month, as I am suppose to. However, my May payment was never posted, and I immediately contacted Caliber and requested my Payment to be processed. They agreed and my payment was processed. In XXXX I sent my Payment in, as instructed, and it has not been processed. I attempted to make the payment through the automated payment, but it would give me an error message and I was unable to successfully process my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.

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 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX I received an email from my XX/XX/XXXX advising that my credit score had gone down 40 pts, I have great credit and stay on top of all bills. I log into my credit account and find out that it was Wayfair. My wayfair account is paid off, I owe them nothing. I call wayfair and found out that someone by mistake credited my account {$3.00} on XX/XX/XXXX on an old order # XXXX from XX/XX/XXXX by mistake. I had no knowledge of this but I paid off my account. On XXXX XXXX, wayfair reversed the {$3.00} credit, leaving me with a balance of {$3.00} that I was never aware of, they never sent me any letters or emails. That balance spiraled to {$45.00} which included 2 late fees and interest fees. I contacted wayfair and in the meantime paid the {$45.00} in order to not further affect my credit but not only do I want a refund, I want them to fix this error, I want a letter to present to the credit bureau as well owning up to their mistake. I spoke to a manager XXXX XXXX on XX/XX/XXXX who claimed to be shocked when she looked at my account and saw what occurred, she emailed me stating to give her a few days to get this resolved. Today is now XX/XX/XXXX and I have not heard back from her, I left several messages on her line and have E-mailed her 4 times, all e-mails going ignored. I called XX/XX/XXXX and spoke to a supervisor XXXX who claimed " we did our part, we credited by mistake but we reversed it ''. Never acknowledging that a credit should have never been placed on my account, the reversal of the credit after my account was paid off has caused late fees and my credit to be dropped. I asked for his manager ( XXXX XXXX, who advised that we had to call Comenity on 3 way to get this resolved. Comenity wanted XXXX off the line, I advised XXXX that Comenity was going to say, it is wayfair that needs to fix the error and of course when XXXX left the phone, the rep XXXX ID # XXXX stated that wayfair needs to fix it. I am getting nowhere with the resolution of a clear WAYFAIR XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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: Investigation took more than 30 days

Complaint:
I submitted a credit investigation request over 30 days ago, but I have not gotten a response yet. The FCRA states that credit bureaus are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 These accounts listed have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-15
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.

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 2023-04-04
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:
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 that need to be investigated and deleted 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 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