BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Due to a storm in XXXX, we experienced damaged to our roof. We filed a claim with insurance company to fix it but received the run arounds. They also increased our premium significantly. We were unable to renew the insurance with that company or purchase new insurace due to damaged roof, causing us to lapse in coverage in XX/XX/XXXX. Our mortgage serving company ( XXXX ) notified us that they would add XXXX XXXX XXXX ( XXXX ) on our home for {$7800.00} for the remainder of the 2023 year. In XX/XX/XXXX, we were charged an additional {$1500.00} on our mortgage to cover the cost of the ( XXXX ). In XX/XX/XXXX, we receive a letter from XXXX stating that our mortgage was transferred to a new serving company ( XXXX ) and that they cancelled the XXXX. In XX/XX/XXXX, we received a letter from XXXX stating that we needed to acquire homeowners insurance by XXXX or they would add XXXX XXXX XXXX on our mortgage. We ended up getting our roof repaired and acquired insurance through XXXX. We paid the premium in full and sent XXXX proof of coverage and payment to via provided email address and physical address. XXXX went ahead and made an additional premium payment to XXXX and billed against our Escrow. 

Though we did not have XXXX XXXX XXXX through XXXX we have been charged the additional {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We contacted both servicing company to find out why we were still being charged the cost of XXXX for the months that we did not have insurance and have been given the run arounds. 

We have requested in writing that XXXX completes an Escrow analysis and refund us of all money paid in excess. That has not been done. We requested that they request a refund from the insurance company of the double payment to bring out escrow back into positive. That has not been done. 

Every document we submit to XXXX has magically disappeared. Every conversation has conveniently not been documented. We are frustrated, scared, and believe that we are being set up to lose the home we've worked so hard to purchase and maintain. We do not know what else to do to stay in our home and have the servicing company do what is ethically, morally, and legally correct. 

Please assist us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: ProCollect, Inc.
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of this debt and I dont owe this company anything.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is todays follow up to the following cases : 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 ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/2023, thus it had until XX/XX/2023 at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/2023 through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.

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 2024-01-30
Company: TransferWise Ltd
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had requested multiple times that I not receive my money as they closed my account but they never sent any money to my account or provided any proof of transaction record. Their appeal department has stopped responding to my email inquiries as that is the only way to contact this bank. they have stolen my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/ I reported to my bank that there is an anuthorized user listed on my account that I am unfamiliar with and never received notice that anyone was added. USAA initially told me they would investigate and respond within a week. When I followed up, they changed their story to much longer. They told me the person added does not have access to my account and USAA will reach out to me with their conclusion. Approximately XX/XX/ I called back with an update for my report. This added party still had access to my account and USAA still did not address my concern. The representative blocked my account preventing anyone else to be added and was not sure why no one took these steps previously. They reassured me that USAA is working on this and I should hear from them any day. Today, XXXX XXXX I called to follow-up since I have not heard from the bank. This unknown person is still on my account! The representative also notified me that they had complete access to my account, which completely contradicts my previous call. She reviewed the account and stated the case is closed and she has no further details for me. She stated no one ever notified me and shes unsure why. I am in total shock that USAA does not have any safety measures in place and allows for strangers to add themselves to your account without any verification or confirmation from the account holder. I feel like they acted foolishly in addressing my concerns and passively dismissed each one. I feel extremely insecure in holding USAA as a bank responsible for my finances.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
As you can see from there statement they apply payments the way they want. You do not know why the pained is not going to the loan or they hold it in unapplied XXXX and call it a partial payment. I have not made any partial payments. This is not going to be held and then show that you have a balance or {$790.00} owed from the month before. This is one full payment that hey have split for what ever there reason. I am enclosing 6 months of payments to show that all of these payments were made per what they stated and now we have a new and different amount. Please help and look at why this never gets fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the letters.

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 2024-01-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
On XX/XX/XXXX I received a letter from LoanCare stating that they do not have proof of hazard insurance, in which I ignored the letter because I knew that I had closed escrow on XX/XX/XXXX with XXXX XXXX XXXX XXXX with proof of insurance. 
On XX/XX/XXXX I received another letter second and final notice, at that point I contacted them and sent them the proof of insurance from XXXX. 
On XX/XX/XXXX I received a letter from LoanCare stating that the insurance will not suffice and that I had 30 days from the date of that letter or LoanCare will obtain their own coverage. 
On XX/XX/XXXX I obtained insurance with XXXX effective XX/XX/XXXX and had them sent the clause to LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare stating that they charged me {$560.00} against my escrow account because they placed their insurance from XXXX. 
I called LoanCare several times to dispute the {$560.00} charge against my escrow account, following dates. 
XX/XX/XXXX no name rep... 
XX/XX/XXXX spoke with XXXX employee # XXXX, said someone was going to call me back... 
XX/XX/XXXX spoke with XXXX, was advised the same thing... 
XX/XX/XXXX spoke with XXXX, told me the same thing... 
XX/XX/XXXX spoke with XXXX, was told the same thing... 
XX/XX/XXXX Spoke with XXXX employee # XXXX he escalated to XXXX employee # XXXX he escalated to get a case XXXX assigned... 
XX/XX/XXXX XXXX employee # XXXX, told me escalation was received and waiting on insurance department... 
XX/XX/XXXX XXXX called with decision, they dont agree to refund and will keep {$560.00} charge .... 
Fax # XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Virginia XXXX, VA 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 2023-10-08
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
My information was stolen. I have provided proof, affidavit and a police report stating my identity was stolen. I am constantly being charged for a loan that was opened in my name. This company can not provide proof of their investigation or anything. I have sent numerous documents that they have asked for. They are constantly reporting false information to the creditors that are impacting my credit score and other 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
Consumer complaint received 2024-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX of XXXX I applied for refinancing with XXXX  of XXXX  before the second mortgage matured in XXXX of XXXX and in XXXX of XXXX they turned me down. I asked about a modification load and they played their game so I when for refinancing with a different company. I was turned down by th because the bank had posted a 90 day late charge to my credit. I wrote a letter to the credit department but never received a response.The bank continued taking my payment for the next 3 years before selling the contract to SPS. I continued to pay the payments to SPS starting in XXXX of XXXX. I tried to get refinanced with another company because the interest rate was better than what I had now. I again was turned down by other companies and found out that this company was posting 90 day late charges to my credit account. I never missed a payment with them and havebeen sending the payment by registration mail. I asked the bank if I could give them a partial payment but they want full amount. In XXXX of XXXX they told me they were not going to except any more payments but I still continued sending payment that they destroyed and sent letters saying they had done that. In XXXX this year they indicated they were foreclosing on the house in XXXX. They indicated there no other option for them. I offered 50 % of the amount but they want it in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm in process of applying for mortgage and a co-op purchase, and the mortgage lender and the co-op board have requested a copy of a financial statement for my CD account at BMO Bank N.A., as a part of my asset verification process. 

The statement was not readily available at the website, so I have contacted the customer service for some type of statement, verification of deposit, or any documentation that verifies my current balance and maturity date. However, BMO is unable to accommodate this simple request, so I can not make further progress on my mortgage/home purchase unless I close the account early and pay the early penalty so I can transfer the funds to another bank account where a statement can be readily produced. My mortgage lender says they should be able to provide some type of documentation, like even a quarterly statement, but BMO would refuse to provide this simple document.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 am writing to dispute an issue of utmost importance concerning the unauthorized release of my student loan information by XXXX XXXX to third-party credit bureaus XXXX XXXX XXXX Experian, and XXXX. This act not only constitutes a blatant violation of the Family Educational Rights and Privacy Act ( XXXX ) of 1974 but also a breach of Title 20 U.S.C. Section 1232g ( b ). I obtained a copy of my credit report which included entries reflecting student loan information that should have been protected under FERPA. XXXX XXXX, disclosed my personal student loan data to the aforementioned credit bureaus, which is a clear breach of my rights as a student under FERPA. This release of information has had a significantly negative impact on my creditworthiness and financial standing.

FERPA, enacted in 1974, protects the privacy of student education records, including financial aid records. Title 20 U.S.C. Section 1232g ( b ), known as the " Buckley Amendment, '' explicitly prohibits the disclosure of these records.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, Experian, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, Experian, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, 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