BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am afraid of living in my home due to Shellpoint Mortgage 's practice. Although. I had a repayment plan in process, Shellpoint sent a third party that illegally entered my home. I thought I was going to be XXXX. Police were called. I have been in XXXX, on XXXX dealing with this XXXX with occured XX/XX/2018. I am current on my mortgage but do not feel safe here. 
This has affected my physical and mentally health to a degree that is interfering with my quality of life and the right to feel safe in my own home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
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 was approved for a forbearance on my mortgage account for the months of XXXX, XXXX and XXXX of XXXX because I was suddenly medically retired, and my pension checks did not arrive for three months. I was told to call back in the third month to resolve the forbearance and decide how to move forward. I called back, and was told that I would be able to defer my payments to the end of my loan, and that I should start making payments again in XXXX, and I would receive something in the mail in the next few months. I started making monthly payments again in XXXX, but never received the mail. In XXXX, I observed that my credit score had dropped, and that the mortgage company was reporting every payment I was making to be three months late. I called back to inquire what was happening, and was told the original person I spoke to at the end of my forbearance never submitted the paperwork to end my forbearance and defer the three months of payments. I was told it would be submitted for the deferral and to their research department to fix the errors in my credit report. I did not receive another call, so in the beginning of XXXX, I called again to ask if they had resolved it, and was told that I could email their research team with the deferral approval letter, so they could fix my credit report. The letter states that my loan is brought current, and the previous late fees that were given in error would be removed. I then received an email reply that says since the company did not submit the paperwork correctly for end of the forbearance, my XXXX payment was applied to XXXX, my XXXX payment was applied to XXXX, and so on. This has led to almost a year of payments being reported as three months late. The fault lies with the mortgage company for not submitting the end of my forbearance correctly. Since I was not notified that something was wrong, now almost a year of payments are reported late on my credit report, and my once very good credit score, is very low. I have shown the credit companies this deferral letter, but they have not fixed it, and have told me that I need a statement from the mortgage company fixing the mistake they made. The mortgage company continues to say that they have reported this accurately, when they have not. I was approved for a three month forbearance and deferral, I never missed a payment, and I was never late on the payments that they told me to make, however they are reporting to the credit agencies that I was late on every payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an account with Best Buy in XX/XX/2019 to purchase a computer. I've been paying monthly, usually more than the minimum amount. In XX/XX/2019, I paid off the entire balance. During that time, I had two late payments, one first thing because my payment made through the bank did not get there in time, and then in XX/XX/XXXX because I had two major family events and missed the due date. The XX/XX/XXXX late fee they agreed to dismiss, and I never fought the XX/XX/XXXX. late fee because I didn't have the time. 

On XX/XX/XXXX I received a notice regarding the closure of my Best Buy account, which completely surprised me because I am paid in full. Their form indicated that this was based upon a credit score received from XX/XX/XXXX, although " it played no part in our decision ''. Regardless, Best Buy cited that one of the reasons is due to the balance on my account and that it was also closed to inactivity. Another reason is the balance on my account ( WHICH IS XXXX )! 

I called and spoke to a representative and a supervisor ( XXXX and XXXX, respectively ) and requested that my account be restored, they claim however that it is not possible. I know as a fact that Credit card companies can do this for a customer. It is poor business practice at best to close an account of a customer who has paid off a balance. 

On another note, I tried explaining that I've been working hard this summer to pay off debts and that if they looked at the report again they would see that. They are not budging though. 

I do not feel it is fair to close an account of a customer who worked hard to pay it off. 

Original balance : {$450.00}. 

XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX ( this one was minimum due ) XXXX ( can't find my payment notes for this month ) XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX ( thought I paid this in full now ) XXXX? I paid another XXXX ( they said I owed it so I paid it ) Even if they do not reinstate my account, I want them to negate the negative impact on 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 explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2019-08-05
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receive a letter on XX/XX/19 from SCA credit services of XXXX case number XXXX. 

Called today at XXXX to explain that I never received a bill from XXXX. 
She said that they typically send out three notices. But that she did not have proof of the dep and that is was not her job to provide proof of the dept.

I requested the original bill or proof of a bill, She said she would mark the account as client refused to pay. She told me to contact the post office.

I told her I would pay as soon as I could review the original bill and proof of the dept, She refused to take this note and would not provide proof of the dept.

She hung up on the call after refusing to provide proof or to take a note for the record that the bill was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
AS OF MAY XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2021, I noticed that I have an available balance of {$100.00}. Therefore, I purchased a delivery of XXXX  from XXXX in the amount of {$22.00}. 

However, due to the quality of my order, I requested a refund, which XXXX reimbursed back to my card ending in XXXX ( please see attached ). I noticed that the bank has failed to process the {$22.00} credit back to my account, which now shows that I have a low available balance of {$76.00}. Instead, it should show the previously available balance of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Identity Theft!

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hello, My name is XXXX XXXX XXXX, I have tried contacting XXXX and Trans Union and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To XXXX and Trans Union of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. 

XXXX has not changed my name with 2 Main Government Identifications. 

There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX Fl, XXXX, XXXX XXXX XXXX XXXXXXXX Fl XXXX, - These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX for Several Years now. CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX Terrace, XXXX XXXX XXXX Fl XXXX Only Employment : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help 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 2023-01-11
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:
Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts 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

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 2022-03-04
Company: Consolidated Information Services Solutions, LLC
State: MD
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:
On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report without my knowledge or consent. I called XXXX XXXX and asked about the inquiry, he stated he assumed I was ready to move forward, I asked him how was I ready to move forward if I didnt fill out an application nor did I provide my Social Security number, he could not explain. My last correspondence with XXXX XXXX was on Friday XX/XX/XXXX when I inquired about his company offers and/or incentives, I have not given any one including XXXX XXXX permission or access to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After the XXXX of my father in XX/XX/XXXX, my mother became delinquent on her mortgage. My fianc and I later decided to move into the premises to assist my mother with the mortgage payments. 

Recently ( XX/XX/XXXX ), we began the filings for a loan modification ; now that life and legalities ( probate court ) have settled. As part of the loan modification application, XXXX XXXX ( the mortgage servicer ) wrongfully made us aware that a Quitclaim Deed would be necessary to consider both my fianc as additional income for the loan modification. From XX/XX/XXXX to XX/XX/XXXX, we were denied four-times for a loan modification due to " Ineligible Borrower '' because Mr. Cooper told us to have my mother quitclaim deed the property to my fianc and I. 

More recently, we appealed our most recent denial. Mr. Cooper came back with the response that they were sorry for providing us with wrong information about the Quitclaim Deed, but ultimately our mortgage is not eligible for a loan modification due to " Insufficient Payment Reduction ''. We asked why " Insufficient Payment Reduction '' was a reason, and they told us it is because of " Investor Guidelines ''. Thus, we asked for the investor guidelines that they were referring to. And, we were told that Investor Guidelines are " proprietary '', and they could not disclose that information to us. Yet, after looking at the calculations that result in " insufficient payment reduction '', we found there is no extension of the current amortization schedule. How do they expect two ( 2 ) years of a delinquent mortgage to be paid with no term extension? That is just crazy.

We are wondering if we could ivnvetigage the " investor guidelines '' that are preventing us from a loan modification. Mr. Cooper delayed the process by telling us wrong information in regards to the Quitclaim Deed, and is now delaying the process further by not willing to work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX XXXX XXXX  - a.k.a XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, has report me to Experian as being late on payments greatly effecting my credit score. I do not now or have ever owned any financial obligation to this company. 
I disputed this account through Experian and the company, XXXX XXXX XXXX XXXX replied by certifying the account and then changed the account name to XXXX XXXX XXXX XXXX and account type from " Maintance Fees '' to " Loan Payments '' which dropped my XXXX  score even lower. 
Not only am I not financially obligated to this companyXXXX, they are not allowed to drop my credit score in response to a dispute.

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 2021-07-28
Company: American Credit Acceptance, LLC
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: Account status incorrect

Complaint:
Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. American credit acceptance purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Check for {$100.00} was mailed out to United States Treasury for taxes. Check was never received by the IRS. Someone stole the mail with the check in it changed it to their name and for {$1000.00} It cleared my Account on XX/XX/XXXX XX/XX/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 monetary relief