BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan officer requested a Pay off for the existing Shellpoint Mortgage. Upon receipt, there was an error with the payoff. The company included a {$7500.00} prepayment penalty. I contacted Shellpoint Mortgage on XX/XX/2019. I called at XXXX XXXX  and spoke with a representative who then put me on hold for 134 minutes and then the call was disconnected. I called back at XXXX and after a few minutes was transferred to a supervisor, a XXXX XXXX. I told them that I had documents that proved the prepay was for 20 % and that it expired 9 months ago. He said that Shellpoint did not have a copy of the loan documents. He said it would take at least 30 days to get them. He said he would order a copy. 

I called back on XX/XX/XXXX at approximately XXXX with a conference call with my mortgage broker in an attempt to get an update on the corrected pay off. XXXX XXXX, the representative stated that the original signed loan documents needed had not been ordered. I asked to be transferred to a supervisor and for some reason the request was denied. 

It's pretty clear that Shellpoint is not interested in servicing the loan. How can you service a loan without the loan documents? Further, the prepayment penalty was for much more than the 20 % even if it was still in effect ... more like 24 %. 

I was able to call the originator of the loan and get a copy of the signed documents in 20 minutes. 

I got the copy of the documents and called Shellpoint again to find out where they should be emailed. At that time I spoke with a XXXX XXXX, another Shellpoint representative. At that time ( XXXX ), I was told that the loan documents had been located ( magically after 2 hours ) and the prepayment had in fact expired. XXXX stated that it would take an additional 3 days to get an updated pay off but that I would receive it by Thursday. 

Additionally, Shellpoint increase my escrow impound account by {$250.00} this year with little explanation ... fortunately, I caught the increase in time so that I would not have a late pay on my credit report. I suspect that this is one of Shellpoint 's tactics for keeping mortagagees in their high interest loans. My Shellpoint loan is at 6 % interest only and my new rate is 2.5 %

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXXBalance {$6400.00} XXXX  XXXX-XXXX-Balance {$13000.00} XXXX XXXXXXXXBalance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX  is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company.

Original Creditor XXXX XXXX Past Due {$620.00}

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking XXXX, XXXX, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts

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 2020-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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:
I had a personal loan with Citizens Bank and settled for less. They are currently showing a past due amount still on my credit report which is not accurate and it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I mailed Experian Certified letters on XXXX XXXX, 2017 in which they received on XXXX XXXX, 2017 according to the tracking number and notifications. Today is XXXX XXXX, 2017 and I have n't heard anything back from them regarding my credit reports and the outcome of my situation.

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 2021-08-26
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company is deceptively doing business as Allied Cash Advance and using the actual company logo when in fact they are not affiliated with them at all. 

I received a loan approval for a range between $ XXXX {$8000.00}. In order to secure the loan I would have to pay {$300.00} either by debit card ( which would take XXXX business days to clear ) or by using an XXXX  payment card or XXXX 

I spoke to an actual Allied Cash Advance representative over the phone and they stated this is not their company policy and that they do not do installment loans in the state of Indiana which is where I live. 

I will attach a copy of the loan agreement and email I received with the phone number. There is no website for this fake company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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 am writing this due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-09-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
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:
On XX/XX/2018, I applied on line for an HSBC credit card HSBC Cash Rewards Mastercard credit card. On XX/XX/XXXX, I wanted to cancel, and got into an online chat at https : //www.us.hsbc.comXXXX and they assured me that my credit card application has been closed or abandoned and that no derogatory credit mark has been placed on my credit history because there was a problem verifying my identity. Today XX/XX/XXXX, to my horror, I was informed that my credit report had a derogatory credit inquiry. I started another chat on line, and they told me that they can not remove my credit inquiry and that my credit card application has been denied. Since I wanted to cancel my application yesterday, and since they told me it was unnecessary for me to do so because my application has been canceled because of an identity verification problem, I feel I have been unfairly damaged by HSBC. Moreover, throughout this entire process, I was never notified by email verifying that I filed an application for a credit card, and thus had no way to contact them or address this issue. You need to subpoena the chat logs from XX/XX/XXXX saying that my credit card application has been canceled and that I need not worry as no credit inquiry has or will be made!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: TX
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 9th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: UT
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:
Lowe 's is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt. This debt is very old and past the statute of limitations in Utah. Under the FDCPA I no longer have to pay on this debt and lowes can no longer make any collection efforts which includes credit reporting. I do not owe this debt and it needs to be removed off my credit file.

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 2018-02-14
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting XXXX XXXX # XXXX on my credit file as being late on XX/XX/2016. However Im an authorized user on that account which is in my wifes name XXXX XXXX, we pulled her Equifax file and the same XXXX XXXX account on her file is not reporting late payment on XX/XX/2016. Obviously you cant have the same account reporting different information on 2 different credit file. I have enclosed a page of my wifes account reporting correctly on her file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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:
On XX/XX/21, I called my credit union ( bank ) to ask about loan rates ( in general ). They then ran an inquiry on my name, without my permission, and called it a mortgage application. I found out about it immediately & called them to demand them to remove the inquiry. They said they did, but that it might take up to 30 days until it disappeared. I then had them send me a letter stating that this inquiry was run on my by THEIR mistake & that I did not make any loan application ( not mortgage or otherwise ). It's now been 1- 1/2 months & it is still showing on my credit report. This is WRONG.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX debt buyer is attempting to sue me for a debt I dont  know owe them, I have no legal contract with them and now they are using scare tactics and harassment by trying to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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 sent a letter certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) stating that inaccuracies were on my report and needed to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Credit Corp Solutions Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and my information was compromised in XX/XX/XXXX. This included my social security number number and my former address. Several accounts have been opened in my name that I gave no authorization to. A previous XXXX account was opened in my name with a debt that I had written and attributed to identity theft, as I have not used XXXX in years. A letter was mailed to my parents residence with my name on it dated XX/XX/XXXX, from Credit Corps Solutions, stating a debt of over {$500.00}. I am an American citizen living in XXXX, and have not used XXXX in years. I am not responsible for this debt and it was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: WELLS FARGO & COMPANY
State: CA
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:
I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2022-10-04
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to state how horrid the communication has been on student debt relief and how screwed over many of us are now. I graduated in 2005... I have stafford loans, the same ones my husband has who just graduated... BUT because of when I went to school - mine are apparently commercially held... something I was not even aware of until recently. When questioning studentaid.gov by phone on what I need to do- I was specifically told to hold off as XXXX XXXX XXXX is working with privately held XXXX loans on the one time loan forgiveness... well now XXXX XXXX XXXX states any loans not consolidated by XX/XX/XXXX WILL NOT be eligible. Even when I called XX/XX/XXXX- I was told- they are still looking into it but today everything states basically we are being exlcuded. The people who have been paying on loans for 15 years, never missed a payment ... literally {$25000.00} just in interest but because I graduated a few years earlier than some and XXXX took over the same loan type I have- I get nothing. I was given BAD information and now I am screwed out of {$10000.00} - and I am livid .... Something needs to be done about this as I am sure many are in my same boat and it is crazy that kids that havent even started paying towards their loans will get this help and those that have paid off huge chunks get nothing...

Company response to consumer: Closed with explanation