BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In late XX/XX/XXXX, I was sent home due to being high risk among this COVID-19 Pandemic. I called Shellpoint Mortgage Servicing and I was placed on a XXXX XXXX. I made several calls to them XXXX. Each time, I was told that I was on a XXXX XXXX. On XX/XX/XXXX, I called Shellpoint Mortgage Servicing about a payment that I was able to make online via their website. They NEVER applied this payment to my account. They HELD it. On the payment history page it clearly states " unapplied payment. '' During this XXXX XXXX, Loan Officer XXXX XXXX stated, " For your XX/XX/XXXX payment, send {$820.00} plus {$120.00}. In addition, she stated that my missed payments have been added to the end of my loan. Then on XX/XX/XXXX when I logged into their website, I did not have access to make a payment. It stated, " This loan has a legal status preventing online payments. '' I repeatedly called Shellpoint Mortgage Servicing and XXXX XXXX during the month of XXXX XXXX I call once a week, sometimes twice a week ). She now denies making the XXXX payment arrangement with me. She has refused to extend XXXX XXXX on my account. XXXX XXXX also tells me that I do not qualify for a XXXX XXXX. As of XX/XX/XXXX, Shellpoint Mortgage Servicing website, on my account, clearly states that " you are on a forbearance plan ... '' On XX/XX/XXXX, I called XXXX XXXX XXXX, to Request a Reinstatement quote. I was told it would take XXXX business day. 

On XX/XX/XXXX, I called Shellpoint Mortgage Servicing, I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX said that she did not see a XXXX a Reinstatement quote. She said it would take days. XXXX XXXX stated an amount of {$7600.00} plus {$820.00} must be paid. I said that I didn't have that kind of money. Again I stated that I was on a forbearance plan. She said, " No you're not. '' A few days later, I called again, now XXXX XXXX gave me an amount of {$8900.00} must be paid by XX/XX/XXXX. Must be wired. She firmly told me, " Do NOT send money, it will NOT be accepted. It must be wired to XXXX XXXX. '' She provided my with the XXXX and Account numbers. 

On XX/XX/XXXX, I called XXXX XXXX XXXX, spoke to Lai'nae and XXXX XXXX XXXX XXXX about this entire matter as mentioned above with Shellpoint Mortgage Servicing. And to discuss the letter that I just received from XXXX XXXX XXXX that states my home will be put up for sale on XX/XX/XXXX. 

I also informed XXXX XXXX that I had the house appraised in XXXX and surveyed. Just found out last week, that the Deed is incorrect. The house is not XXXX XXXX lot, it was built across XXXX lots. The Deed needs to be corrected. I'm also looking into refinancing the house through my credit union. The family who sold me the XXXX lots must re-sign documents in order to correct the Deed of the XXXX 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 2023-04-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2020-08-06
Company: Experian Information Solutions 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, XXXX XXXX XXXX . INQUIRIES : US SM BUS ADMIN ODA |  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2023-08-14
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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  XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX   XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX  showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my credit 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 explanation
Consumer complaint received 2022-08-09
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: Personal information incorrect

Complaint:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information.

To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. 


Sincerely. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony Bank ( Care Credit ) had a credit balance on the account for several months. 
As I was using the credit, the bank made the decision to refund {$24.00} instead of letting the purchases absorb the credit. 
Thus, even though I was told that a credit refund check was on its way to me on XX/XX/2023, as of today, XX/XX/2023, I never have received this refund check. One representative advised me that according to what she could see the check was never actually mailed out to me. 

Synchrony Bank employee contradicted this statement. But cancelled the original check on XX/XX/XXXX and claimed that a new one was issued. 

Unfortunately, no one can offer me the refund check number. 

It is my position that the original check was never actually mailed to me as I have always received Synchrony Bank 's refund within 10 days. 

Or the check was sent to the old address instead of my present address which I have submitted several times.

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 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.

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 2023-04-11
Company: Baxter Bailey & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, we have been contacted by XXXX XXXX from Baxter Bailey & Associates out of XXXX, XXXX XXXX to be attorneys. Upon contact, they state they will file civil charges including defamation and harassment. When asking for paperwork for the client they represent, XXXX was unable to furnish proper paperwork confirming the legitimacy of their client. XXXX has on multiple occasions threatened legal suit and slander if we don't pay their client. However, their client breached our contract under " fraud '' for double brokering a load. XXXX has even spoken on behalf of their attorney XXXX XXXX, practicing out of TN and instructed us over the phone that XXXX had every right and authority to speak on behalf of their client and attorney without being barred himself. Baxter Bailey & Associates are representing fraudulent actors in motor carrier operations, threatening defamation and pretending to be attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I took out a new home mortgage with XXXX out of Connecticut on a home I own In XXXX 18 months ago. I was soon thereafter sold to a second company, XXXX out of XXXX, North Carolina. 3 months ago XXXX sold the loan to Fifth Third bank out of XXXX. I attempted to refinance the loan with Fifth Third but they tell me they aren't able to do that because they are not licensed in Connecticut. For me to do that, I will have to find a different company in Connecticut. This will entail significant time and expense to me. 
My complaint is the buying or selling to an unlicensed company that is not able to fully service the loan adding to my expenses. I have tried contacting the loan department at Fifth Third but get only an apology, no resolution. Perhaps the commplaint is against all 3 companies. Advice? 
Thank you, XXXX XXXX property address XXXX XXXX XXXXXXXX, CT XXXX my residential address XXXX XXXX XXXX, XXXX, Montana

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Maximus Education, LLC dba Aidvantage
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am 100 % total and permanent veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have been a victim of identity theft. I filed all the correct paperwork according to the FCRA and disputed these accounts. The paperwork has not been filed correctly and not processed according to the FCRA. I also have asked for copies of the verification process and not gotten them. 

These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
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: Account status incorrect

Complaint:
The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have XXXX accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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.

This has greatly caused financial problems for me and my family. I am requesting to have these negative items removed from my credit report, because their action is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account XXXX XXXX XXXX - XX/XX/2021 XXXXXXXX XXXX  - XX/XX/202XXXX XXXX XXXXXXXX - XX/XX/2021, 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

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 2022-11-12
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX ) from XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, Il. I was told I had to pay {$2500.00} down payment for vehicle and also pay for my own car insurance upon leaving the car lot. Later upon doing research I am aware of " Tile '' ( Truth in Lending Act ) and also aware that with contracts I was taken advantage of and wasn't given full information about my vehicle contract. There where billing errors and also wasn't aware of my rights to rescind a contract as well. Later down the line my vehicle was also reposessed with a warning of the repo and also I paid my car note and it was a system error on there end but still decided to repo my vehicle and made me come out of pocket and go get my vehicle instead of returning to my house where they picked it up from. Also the documents I signed was a privacy notice, and in the noticed it said they may not disclose person non public info about myself to any third parties unless permitted by law, and according to my knowledge giving my info to the third party such as repo company was not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT XXXX XXXX  You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and XXXX for full compensation and damages incurred. Please delete the items immediate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Original Creditor : 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