BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Shellpoint Newrez offering a COVID-19 Payment Deferral Offer. The letter is dated XXXX. The following is a quote from the letter : We require a processing month for us to complete your payment deferral. Because you are 18 months delinquent, you must pay your current monthly contractual payment of {$2700.00} by XX/XX/21 in order for your payment deferral to become effective. 

On XXXX, I sent a check to Shellpoint.. After sending the check, I spoke a few times to various representatives as well as leaving messages with my assigned representative, Mr. XXXX. I was informed via phone by a representative in XXXX that the deferral was being processed. 

On XXXX, I received a call from XXXX XXXX that as of XXXX my loan is in default. Ms. XXXX verbalized that the COVID-19 Payment Deferral Offer has been rescinded despite the stipulation of making a current monthly mortgage payment of {$2700.00} by XXXX so that the deferral offer can become effective. 

I am an XXXX XXXX. My civil rights has been violated by Shellpoint Newrez. The company actions towards me are discriminatory, pernicious and predatory. Also, their actions are deceptive and unscrupulous. There is a disproportionate rate of foreclosures among XXXX Americans due to mortgage servicers like Shellpoint.

To reiterate, the servicer was dishonest and predatory. The servicer had no intentions to honor the COVID-19 Payment Deferral Offer or comply pto their Terms of the Payment Deferral. 

Please review the attached XXXX Payment Deferral Offer and canceled check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few inquiries on my credit report that I do not recognize

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 2022-12-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, 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:
Credit Inquiries were made on my behalf without my permission. Ive submitted this information to all card companies. There are multiple inquiries from the same companies. Companies are XXXX, XXXX XXXX XXXX, XXXX, EXPERIAN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I've submitted the identity theft report and Police Report as additional documents for this fraudulent item. Please remove the account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021 I paid this loan off from selling it. The purchaser paid me in cash, and when I spoke to Ally originally they said I have the title in 4 days. So I get looking on the website after logging into our account and see that that was true if paid by cashiers check or certified funds. Otherwise it would be up to 10 days. Well this day 14, the lien still hasnt been released.

I called yesterday and I basically got the runaround from someone saying well yes the release can take up to 10 days to process and itll take another 7 to 10 days to get the letter of release. Thats not what I was told originally and it SAYS right on the website ( see attached picture ) that it takes TEN days, not 14, not 10 plus another 7 to 10. 

All titles here now are electronic when it comes to liens, All I need is the stupid letter to release the lien, clearly after 14 days the funds have more than cleared the bank. I have the buyer breathing down my neck about this as well. This is ludicrous.

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 2021-08-31
Company: Experian Information Solutions Inc.
State: MI
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 looked at my consumer report and saw that Experian had violated my rights as a consumer. I then mailed Experian an affidavit of facts, and letter of validation pertaining to the inaccurate information on my consumer report a month ago, and still have yet to see receive a response from them. On XX/XX/01 at XXXX I then called Experian and got connected to a specialist for consumer disputes named XXXX she named the accounts that I have disputed and the results were to have these fraudulent accounts remain still sitting on my consumer report from their investigation for a few while others were still left pending. I specifically told her that in the FCRA Congress states in 15 U.S. Code 1681a ( e ) that they would have to do interviews with my with neighbors, friends, or associates, and can not include specific factual information on a consumers credit record obtained directly from a creditor. She then connected me with a lady by the name of XXXX who came off ignorant, while being very rude and disrespectful with me over the phone using obscene and profane language towards me. After I said that my consumer rights have been violated under the Fair Credit Report Act. I specifically told her that I want these inaccurate accounts, and inquiries immediately removed from my consumer report. I am the consumer and according to 15 USC 1692 I do not owe any debt because I am the consumer and Im not obligated to pay. I told her pursuant to 15 USC 1681B ( a ) Congress says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is myself the consumer and I do no not owe any debt and these are my written instructions to you right now to remove these inaccurate accounts from my consumer report. She then said I dont know why you guys keep calling here trying to use this with what you are talking about, these accounts are not getting deleted, and fine to take us to court, and good luck. I then told her pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. You are civically liable for violating my consumer rights on this phone right now, and I have you recorded. I will be sending an invoice for damages from all of the violations your company has done to me thus far. I then requested her to put her supervisor on the line. She then said the supervisor will call me in a few hours and hung up the phone and which was a lie because I did not receive a call.

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 2021-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. UNKNOWN - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX, I noticed the name on my electronic profile was the incorrect name, I contacted Bank of America to see what was going on as this happened back in XXXX and was resolved with minimal explanation ( complaint number with CFPB : XXXX ). After explaining what happened I was told they would open a ticket and get back to me the beginning of the following week. On XX/XX/XXXX I called back and they said the ticket was left open with no action on it. They reiterated to me that the only way a name could be changed was if I walked into a branch. One gentleman with the fraud department was able to tell me that the change was made on XX/XX/XXXX. They stated someone would provide me an update within a week. No one called. I reached out again the following week and was told that the ticket was closed and no one reached out. The next person submitted a complaint on my behalf as the name was still incorrect and there was no movement or explanation. Again no one reached out. I contacted Bank of America again on XX/XX/XXXX and they stated they did not have any movement on the complaint so they submitted another. The following week I reached out again and had to beg to talk to someone regarding my identity being changed on my account. At this time they finally had a gentleman reach out to me and explain its due to my account being linked to an erroneous account and a systematic update. They cant explain why my account was linked and why the incorrect name was on the account they also can not prove to me the account is secure. Due to my name not being on the account I did not pay the balance and was told that I would not be responsible for late fees and interest on my first phone call as the error was made on bank of americas end as they stated the only way a name can change is by me. They are now saying they cant wave fees until I make a payment on the account. They did not change the name on the account back until XX/XX/XXXX, they still have no explanation of how my account can be linked to an incorrect account or proper timelines. I have spent at least 12 hours on just the phone alone and Bank of America has no valid explanation of how this could happen and is unwilling to wave any fees.

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 monetary relief
Consumer complaint received 2021-08-31
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX I order new XXXX XXXX, on XXXX XXXX I missed my appointment, The XXXX XXXX never called me back to set my appointment to size and pick up XXXX XXXX {$410.00} dollar. I recently just noticed my account has been sent to collection for amount of {$410.00} dollar to XXXX XXXX. I informed the collection agency that this information was inaccurate. As a result of not receiving XXXX XXXX product. its very contradictive for me to pay for a product that I haven't received. From my understanding this a violation of consumer rights. I speak with XXXX XXXX about picking up XXXX XXXX since the account been sent to collection. They informed me that I needed to pay for the XXXX XXXX throw XXXX XXXX collections to receive XXXX XXXX from XXXX XXXX office. The account is in Collection with XXXX XXXX and been write off to collection from XXXX XXXX office, for a product i haven't received. as a consumer, I have the right to inspected product and verify that product meet my need as consumer. Nor can set appointment to verify the product meet my medical needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back

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 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
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 decided to voluntarily surrender the vehicle in XXXXXX/XX/2022 due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I originally signed documents with mortgage company and title company on my payments for home to be around XXXX per month a few years later Wells Fargo notifies me by letter stating they incorrectly calculated my Escrow and they had not been taxing the home only the property so they increased my mortgage payment to over XXXX dollars which was way over what I originally was told by mortgage company and surely something that was going to be un affordable. I have continued to have problems with them year after year. They should have never changed the amount to what I had originally signed for and I have had to go thru a modification several times because they made a mistake and have created so much stress with my mortgage. Increasing my payment to over XXXX dollars more a month is unacceptable on their part. I am appealing with Wells Fargo for a 3rd time. I am about XXXX dollars behind on payments a little over 6 mos. They continue to be unfair and previous modifications have been unreasonable. I am currently starting another appeal and there is NO sale date as of today XX/XX/XXXX. I notified them by phone today and will be faxing documents to Wells Fargo regarding appeal.

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 2021-08-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESS BEING REPORTED IS INCORRECT. My correct address is : XXXX XXXX XXXX XXXX XXXX, NY 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 2023-06-29
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper Mortgage increased my payment to XXXX from XXXX When I called to inquire the CSR had a myriad of reasons which were easily refuted. 
Then she informed me my escrow account was negative.. 
My statement reflected XXXX which is well over the 2 month reserve requirement. 
The she informed me I actually had XXXX in impounds! So I suggested my payment be revised immediately as I was never in arrears on anything. 
She then said it couldn't be done! 
After going through this I decided to check with XXXX complaints. Well there were XXXXXXXX XXXX of similar.. 
That's when I decided to look for who Governs these shoddy companies. 
Alas I found you.. 
I need help. We're XXXX on a fixed income.. 
I have never been late on my payments. 
I need help. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My wife and I went to a XXXX  XXXX in XXXX XXXX, TX on XXXX XXXX   XX/XX/2018. We were interested in purchasing a couch and talked to a sales representative there about purchasing a couch. They told us that we could get the couch and if we were approved for a credit card, we could chose to have 0 % interest for one year or 10 % " cash back '' in XXXX XXXX dollars to spend on additional XXXX XXXX merchandise. We told her we would think about it over lunch and she gave us a piece of paper to apply for the credit card online while we were eating. We applied, were approved, and came back to the store afterward to purchase the couch. We opted for the " No interest for a year '' option with the sales representative. The couch had to be special ordered and so we waited until around XX/XX/XXXX to receive it. We got our first statement in XX/XX/XXXX with a purchase date of XX/XX/2018 ( this is not correct ) for {$2800.00} ( this is correct ). We calculated the amount we would need to pay monthly to pay off the card before twelve months and set up monthly payments of {$300.00}. We have been making monthly payments of {$300.00} since XX/XX/XXXX ( our first payment due date ). We JUST this month noticed that we were getting charged interest each month ( {$64.00}, {$62.00}, {$58.00}, {$51.00} over the past four months ). We also have NO XXXX XXXX rewards. Looking back over our paperwork, our first statement said " look for your {$270.00} in rewards coming later this month '' but those never came. So, we received neither the promotion we wanted or the other promotion. Our account currently says that we have spent {$140.00} this cycle and are {$100.00} away from our first reward dollars. We called our local XXXX XXXX where we purchased the couch and told them about our problem. They pulled up our paperwork and confirmed that we had selected the 0 % interest option. The manager there, XXXX, agreed that we should not have been charged interest but that it is up to the bank. She offered to send the paperwork to the bank that holds the credit card and try to get our interest refunded. Five days later, she called us back to let us know that the bank will not reverse the interest because too much time had passed. They said we would have had to have caught the mistake in XX/XX/XXXX in order to have the interest reversed. This is not our mistake but an admitted mistake by XXXX XXXX, yet we are being charged for it. We could have bought this couch on ANY other credit card and received significant points for our purchase. There was NO REASON for us to open an additional credit card without receiving any benefit. We have since paid the entire couch off ( XX/XX/2018 ) to stop us from being charged additional interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i checked my consumer reports and i the consumer seen that there was accounts on my report that i did not give consent to be open under my personal 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 explanation
Consumer complaint received 2021-07-22
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
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:
unauthorized use of my credit report. direct hippa violation

Company response to consumer: Closed with non-monetary relief