BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, am the realtor assisting borrower XXXX XXXX on a short sale for her property. ShellPoint Mortgage is the servicer and is violating state law during this settlement process. 
1. ShellPoint uses an application ( Form 710 ) for this process. The application states that " No Documentation '' is required if there is a reduction of income. However, ShellPoint Mortgage is insisting that the borrower submit bank statements and state that on page 3 there is a mention of " type of income ''. This is not mentioned anywhere on page 3. In fact, no where in the entire application does it require XXXX XXXX to provide bank statements. ShellPoint is lying during the settlement process. The borrower is not required to submit bank statements. 
See Form 710 and the ShellPoint Mortgage letter lying about their demands.

2. ShellPoint Mortgage has also stated that the Note Investor is the one demanding this income information. That investor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Certificateholders of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to act as an unlicensed mortgage servicer in Florida. 

3. Further, ShellPoint is in violation of Florida Law by demanding to see a private trust document. The recorded Land Trust Deed specifically grants the Trustee XXXX XXXX, XXXX the power to sell the property. XXXX XXXX is registered as the Manager for XXXX XXXX, XXXX in the state of Florida. ShellPoint Mortgage has no need for the private Trust agreement. See attached Deed and registration with Florida showing XXXX XXXX as the manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1 Failed to timely respond to loan modification application after forebearance 2 Not reported to the consumer credit agencies Complaint as disputes and in violation of the Truth in Lending Act, Federal Collection Debts Practices Act 3 Falsely said application was missing information that was already provided 4 SLS Failed to properly apply and account for payments on mortgage Made 3 timely Trial Payments in XX/XX/2022 - {$2000.00}, XX/XX/2022 - {$2000.00} and XXXX XXXX {$2000.00}. I t was mis applied and does not show as mortgage payments 5 SLS failed to respond to a qualified written request 6 SLS initiated aggressive collection efforts that included placing daily harassing collection calls to XXXX and sending excessive written correspondences to the XXXX demanding payment to cure the default. during the forebearance period 7 suffered grave consequences of the improper denials of standard modification 8 SLS acted negligently in denying loan modifications t, at a time I was struggling, and failed to uphold its duty under the Home Affordable Housing Program ( HAMP ) to issue modifications which I qualified Fraudulent concealment and intentional infliction of emotional distress accusations of making unauthorized changes to the mortgage loans The filed modification, which was part of a loan modification trial process at XXXX XXXX, lowered the couples monthly mortgage payments from {$3100.00} to {$2200.00} While paying a few hundred dollars less each month might be nice, buried deep in the terms of the modification was notice that the mortgage had been extended to 40 years.

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 2023-05-02
Company: EQUIFAX, INC.
State: PA
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:
Dear Consumer Financial protection Bureau, I am writing to file a formal complaint against Equifax for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by Equifax for over a year, despite my repeated requests to have it removed. The account in question is from XXXXXXXX XXXX XXXXXXXX, with the account number # XXXX, Stated amount {$1000.00}. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, Equifax has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

Equifax 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, Equifax has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Equifax accountable for their actions and ensure that they comply with the FCRA. I am also requesting that Equifax take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that Equifax block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Investment Retrievers, 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:
This account was deleted from all of my credit reports 1 month ago. The old company sold it to a new company and now the new company has added a debt to my XXXX report. I submitted a dispute to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 XXXX Accounts : XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, 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

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 2019-12-05
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2019 I got an alert from a credit reporting agency about an enquiry from Syncb/paypal on that same date. Since I did not request any credit, it was cearly fraud so I called Paypal the next day to have them remove the enquiry from my report. 

I was told that since it was fraud, that it would be removed in next 7-10 days, I do not have a reference from that call as I left it in good faith. 

On XX/XX/XXXX the enquiry remained on my credit report, therefore hurting my credit score, so I called back again. The rep at Syncb/paypal said they didnt have any record from the first call, so I asked for a reference number, wich they gave me. It is XXXX. The rep told me once again that I would get a resolution in 7-10 days and a letter in the mail to confirm resolution. 

End of XX/XX/XXXX the enquiry still remains on my credit report so I called back again, give them the reference number but still no resolution and they now tell me it takes 2 months, and one has already gone by and my credit score is affected, The rep tells me however it will be solved very soon. 

Today XX/XX/XXXX the enquiry still remains, and I therefor I am wishing to file a complaint. 

It is very unfair for them not to escale an issue where I am not at fault. Some third person tried to open a card in my name, and was fraudulent. They acknowledge that the credit request was fraud, so why am I held hostage to the adverse enquiry on my credit report. 

Please someone help me, Paypal is not cooperating and I dont trust they willk remove the enquiry in a timely manner and its affecting my credit score, in a time where I am trying to get the best score possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-09
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First off I should be suing XXXX because who lets a XXXX yr. old upgrade a phone without their parents consent? I had already paid the first one off & Im still walking around with a XXXX  myself. They didnt have my permission nor my signature for him to trade in phones, switch yo an upgrade, or however it works. I was y present not notified til the bill came in the mail. I was recently laid off from work & months prior to my layoff I was out with XXXX back to back so I know everything was done without my consent because I wouldnt have agreed to it or signed for knowing the situation im in & knowing I wouldnt be able to pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently reapplied for mortgage assistance this month. I was denied because Chase said that I was offered 2 trial payments, which I did not accept. First, I made and completed the trial payment of {$500.00} during XXXX to XXXX. I was told that I would be locked in at that payment. However, every time I called Chase I was told to reapply and reapply and that documents were missing. This nonsense went on for some time. Over the years, I have been wrongfully denied modifications. After I contacted Consumer Financial i believe in XXXX, Chase fictiously created a trial payment plan to cover their tracks. In XXXX, I think, I was given an outrageous modification plan that I could not afford. Around XXXX of this year, my relationship manager, XXXX XXXX, told me to reapply with my new income since I was now working. I was denied this month and I called to speak with the ReApp team. One guy told me that the investor which was FHA said no to the modification request. I asked him for a contact number so I could speak with someone directly. He gave me the number on the Website, which doesn't offer any information. After having to research a number on my own, I spoke with a rep from the Service Center. I told him that I would like options to leave the house and I was told by the lender to speak with FHA because Chase indicated that FHA made the deciding decision. The FHA representative told me to call Chase back and ask for them to consider me for options that involve leaving the home such as short sale and deed in lieu. The rep also said I should consider selling the home myself. When I called back, I was told that since I was recently denied this month and no change in circumstances, I don't qualify for a new application. I tried to tell her that FHA said to consider me for other options. I was then transferred to Escalation Team who reached out again on my behalf. The decision was the same. As I stated in numerous complaints against Chase, Chase has lied many times over. Now, Chase is using a fictious trial payment against me. I completed 1 trial payment successfully. I think I deserve an extension of my foreclosure so that I can explore short sale or deed in lieu. I would like to leave this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a XXXX veteran, I have been XXXX XXXX since XXXX. I went to school back in XXXX. I applied for student loans and was given student loans by the department of education. I finished and graduated. I was contacted by a student loan provider to make payment on my student loans. No problem I made my payments from roughly XXXX until currently. I was never late. Kept everything current. I was contacted in XX/XX/XXXX by my student loan provider ( Nelnet ) that I may be eligible for XXXX ( XXXX XXXX XXXXXXXX ). In XX/XX/XXXX I filed the paper work. On XX/XX/XXXX, I was awarded XXXX. Because I was permanently XXXX before I went to school I was informed that the current balance would be forgiven as well as repayment of all the payments I had previously made. I contacted Nelnet, they stated yes I was to be repaid all of my payments but there was no time table for when that was going to happen. I waited. I have not received anything, nor been contacted. It has been 40+ days since I was awarded XXXX. I recalled Nelnet. They informed me I needed to talk to the department of Education. I called them they redirected me back to Nelnet. And they stated they do owe me my payments ( $ 15,000+ ) but they did not have a time frame of when they will repay that. This is ridiculous!!!. If I owed them money I have interest, late fees, and it affects my credit rating. But when they owe you money their is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by T Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally prot consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Debt Account Number : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Notwithstanding allegations of fraudulent charges regarding Capital One account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, XXXX and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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 status incorrect

Complaint:
Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- Experian , XXXX and 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made inquiries without my authorization. This has negatively affected my score.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Update personal Information Dear XXXX, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although one inquires was deleted from my credit report from my last dispute on XXXX XXXX, 2023 it still shows invalid inquiries and a XXXX XXXX account ( XXXX ) that should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of.

Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX account : ( XXXX ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. XXXX followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX Account : ( XXXX ). For the prior inquiries that was removed on accounts : XXXX XXXX : ( Report Number : 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 2018-08-23
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018, an ACH debit of {$10.00} was presented to my account. With a balance of {$1.00}, it was denied and subject to overdraft fee of {$29.00}. Then on XX/XX/2018, a deposit of {$210.00} was credited to the account and the overdraft fee was posted ( {$29.00} ). Now on XX/XX/2018, I reached out to customer service via email to reverse/waive the overdraft fee ( {$29.00} ),  because to change me {$19.00} more then the original overdraft ( that was denied ) was extreme for such a small amount of the denied overdraft. I'd like for the fee to be reversed /waived, so that I can continue my banking relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief