BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made all of my mortgage payments and have the bank statements to prove it. However, XXXX XXXX XXXX XXXX ( Shellpointe Mortgage Servicing ) went forward w/foreclosure proceedings. I have supplied them ( in excess of at least 6 times ) with every piece of documentation to prove this. 
This began in XXXX, XXXX when they failed to notify me they were my new loan servicer. Subsequently, the payment went the previous servicer. They refused to contact the previous company to request the check ; thus I sent Shellpoint Mortgage Servicing ( XXXX XXXX. XXXX ) another mortgage payment to satisfy the monthly payment. I paid twice XX/XX/XXXX but they failed to properly credit me for the replacement payment stating it was simply an additional payment on the loan. I have been in litigation with them since XXXX when they went forward with foreclosure proceedings. Despite the legal battles I have continued to pay them monthly at least {$150.00} extra/month. They have continued to compile fraudulent fees taking my loan from {$230.00}, XXXX to {$370000.00}. XXXX. Ins. has participated in innumerable predatory lending practices violating at least 28 consumer/homeowner protection laws. 
I have kept meticulous records of payments, their misappropriation of funds, phone conversations/emails indicating their misrepresentation, false credit reporting, etc. My attorney says I have a very strong case, but the courts favor mortgage companies. I have spent thousands to fight this false and unfounded accusation and save my home. They are a large financial institution. They know if they continue to drag this out, I will not be able to financially support this fight. Thank you for your review of my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent TransUnion multiple letters ( affidavits ). The first letter was a Conditional Acceptance Letter. 
Even though I repeatedly wrote in the letter that it was NOT a dispute letter, they continued to treat the letter as a dispute letter. 
Not only did TransUnion not comply with my deadline, they also took longer than 30 days to investigate anyway! 
Mind you, dispute letters are to be investigated, Conditional Acceptance Letters are NOT. I provided the US Code that supported my demands but TransUnion completely ignored and did NOT acknowledge the US Code that I was enforcing over them. They need to be and should be abiding by the US Codes that governs them. They are violating the US Code that I provided, the FCRA and therefore they are violating my rights!

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 2023-03-05
Company: Shellpoint Partners, LLC
State: MA
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:
Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of NEWREZ-SHELLPOINT XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received NEWREZ did not apply the payment which l received back a closing since l sold the property to get rid of NEWREZ due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to NEWREZ. l have made over 40 phone calls to NEWREZ asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from NEWREZ. l am XXXX and am on additional medication for XXXX XXXX XXXX XXXX XXXX XXXX due to the months of stress. I made a payment and NEWREZ never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since NEWREZ advised me not to make a payment. The property closed on XX/XX/XXXX and NEWREZ was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Personal information incorrect

Complaint:
Credit report continues to display inaccurate addresses and telephone numbers combined with inaccurate non-verified collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My account has been paid except during COVID when I got an 1 month extension. They have continued to report my cred late ( ex XXXX payment due on the XXXX paid on the XXXX but they are reporting XXXX late ). I got so tired of requesting my file that includes my monthly payment history along with financial charges they completely refused to send and then removed my pano statement from the on line account then only report XXXX months statements. We have been with this company 2018. I understand we have 10 days after payment due before they apply late charge but the late charge is in excess of {$75.00} and again refused to provide information on it. however they cant report my payment late until I am 30 days late. 
I have copy of every statement ( before they removed them ), I have copy of my back statements to show my payments and a payment letter from ally that shows my payment matching my bank statements. I can not get anywhere and need your help.

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 2023-05-08
Company: SYNCHRONY FINANCIAL
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:
A collection account was added to my credit report XX/XX/2023 by XXXX XXXX XXXX. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX Department of EDXXXX SYNCB/GUITAR CENTER SYNCB/TJX 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
Consumer complaint received 2018-07-20
Company: LEXISNEXIS
State: IL
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:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received a notification from XXXX XXXX XXXX XXXX and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with XXXX, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.

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 2023-08-31
Company: EQUIFAX, INC.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: PENTAGON FEDERAL CREDIT UNION
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:
A collection account was added to my credit report XX/XX/2023 by XXXX XXXX XXXX. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : Pentagon Federal Credit Union Department 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 explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account info Account number XXXX I have my own XXXX  cc and its paid on time XXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX for 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX {$7500.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the B
ureau.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: NY
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, as a good debtor, I made arrangements with Chase Card Services to make a split payment in XXXX on the XXXX and XXXX, an auto debit {$99.00}. On XX/XX/XXXX, paid manually {$190.00}. They auto deducted on XXXX, but something got messed up on their end because it said it went through find on my bank account but they claim my bank sent it back. On XX/XX/XXXX, they did the auto deduct of {$99.00} and say the bank sent it back on XX/XX/XXXX. My branch manager says they never actually tried to pull the money. It showed after XXXX where the {$99.00} had been taken from my account and was clear. Rather than them admit something got messed up on their end, they suspended me from using my ONLY checking account to pay them. They DO NOT give any other payment options, nothing. Their phone people WILL NOT accept anything less than the total payment amount due. Even though every month before XX/XX/XXXX, I had paid them on time no issue. They won't take any amount. They are making it impossible to pay them. They want me to go to the bank to pay them, but my work hours are not conducive with getting to the bank. So, they are making it IMPOSSIBLE TO PAY THEM, giving me the run around. This looks like Predatory Lending at its finest. They have BLOCKED my checking account but then want to keep calling me demanding a payment, when I have no way to send them money. 

My credit union SENT the fax that they asked for on XX/XX/XXXX, I responded to their paperwork and sent it out ASAP as they asked me for. They STILL have not fixed it and are threatening to permenantly block me from paying them from that account. I pay EVERY other lender out of that account problem free. My check goes STILL to that account. So, if it is closed, why am I able to pay everyone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed off dispute letters to XXXX, Transunion, and XXXX on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX 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 XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report an agency may meet any consumer reports they need any of the following items of Information other than records of conversation of crimes which antedates the report by more then seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: IL
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:
have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove

Company response to consumer: Closed with explanation