BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
References Shellpoint Mortgage Loan # XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Mortgage Loan # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, VA XXXX Since XX/XX/XXXX I have been trying to complete and sign my loan modfication docs. Both Mortgage Agents have put me thru XXXX. I have attached in detail every email contact that I have been thru from XX/XX/XXXX thru XX/XX/XXXX. 

I has come to my Attention that Shellpoint Mortgage has reported me to all XXXX Creditors as 120 days late. It has dropped my score XXXX points. Never in my Life I have seen this at all. Please take your time and read the attached documents and you can see the XXXX I been thru.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some account that is not mine. This account has never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureau must block any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some documents. XXXX XXXX XXXX Balance Owed : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new BBVA Compass Bank ClearConnect checking account on XX/XX/XXXX under the terms of an advertised promotion for new customers stating that I would receive a {$200.00} cash bonus for my new account. The terms of this promotion stated that " within sixty days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. '' I had my employer direct deposit payroll switched to my new account and the first direct deposit posted on XX/XX/XXXX. Now that I fulfilled my requirements, I expected to receive my bonus as stated in the terms : " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements. '' According to the 60 day timeframe, I should have received my bonus by XX/XX/XXXX. But it was never added to my account. On XX/XX/XXXX, I attempted to contact BBVA Compass Bank about this issue. I sent them a secure message through their website inquiring about the delay and the bonus. A week has since passed and they have failed to even respond to my inquiry. They are clearly attempting to avoid meeting their obligations to me after they induced me to sign up for a new account with the promise of a bonus. 

I have attached a document that shows the terms under which I signed up for the new account, as well as evidence of my payroll deposit on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job with the XXXX XXXX and I asked for a loan forbearance. I was In forbearance for XXXX months. I made sure to pay my taxes to make sure it doesn't go into a tax sale. They have no record of me making any payments during my forbearance. I came out of forbearance in XXXX and have been making my payments. I received a letter that they came up with a repayment plan. I have XXXX months to pay XXXX. What was the point of forbearance if they're just going to come up with solution that only benefits them? I called them and asked for an explanation why I was denied a deferral or loan modification. I was told " read the letter, it's self explanatory ''. I asked to talk to someone else and was told there is no one. So, I called back and asked if I could talk to someone and try to work it out..I was told there is no one to talk to. I asked for the lender 's name We can't give that information, we have to request it and mail it to you..they said " to be honest they don't care who you are and won't talk to you. '' SPS is the worst company. They only read the letter you have in front of you and offer no help. They can't give a detailed explanation of how they came up their decision. It's beginning to feel like a fraud, why help homeowners when we can foreclose on their home and make a profit. The XXXX XXXX XXXX XXXX isn't even up yet and it might be too late for many of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
BoA is refusing to process balance transfers without explanation or notice.

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 2018-01-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX PA. XXXX XXXX office address is XXXX XXXX XXXX XXXX XXXX Fl XXXX. Office number is XXXX his email is XXXXXXXXXXXX. That Suntrust bank has put my account in collections.No Demand letter or Notice. He is a debt collector law firm. SunTrust Bank Acc # XXXX. My XXXX XXXX SunTrust Equity Line. XXXX XXXX XXXX XXXX & SunTrust Bank have n't sent me anymore Statement since XX/XX/XXXX. On XX/XX/XXXX sent By USPS Mail sent to XXXX XXXX Debt Collector to XXXX XXXX XXXX XXXX XXXX Fl XXXX. Client SunTrust Bank Acc # XXXX last 4 digits To XXXX XXXX & XXXX. Wrote them that I am a federal office on file in the state of XXXX XXXX ( 9 ). XXXX XXXX XXXX is my boss Commissioner in XXXX Fl. State lic # JF XXXX. Gave him all the contact of my Business attorney XXXX XXXX licence in debt in XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX & his office phone number. All Contact goes to him. In XXXX XXXX put my home at XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Office # XXXX for sale. Had a buyer all he has sent is Pay-Off receipt on XX/XX/XXXX from XXXX XXXX XXXX email of {>= $1,000,000}. I need SunTrust Equity line Statements for my CPA to file federal income tax to IRS for year XXXX and how much interest I paid in year XXXX. My First Mortgage XXXX Mortgage Loan # XXXX has sent one every month. Cant sell my home or do my tax 's without those Statements of XXXX to XX/XX/XXXX & XX/XX/XXXX. How much Interest I paid. I file early so I know how much I have to pay in XX/XX/XXXX. I am a Small Business Owner Company Name is XXXX XXXX XXXX. Please help me get these statements so I can sell my home & can give my paper work to my XXXX XXXX. Do n't want to get in trouble with IRS. I need to have this Equity Line Statements XX/XX/XXXX & XX/XX/XXXX to give my paperwork to my XXXX & XXXX. My XXXX XXXX has a lot of clients & run a bar in XXXX XXXX Fl. I will lose the buyer soon if I do n't get proof of SunTrust Equity Line Statement the one from Suntrust Bank to see if the amount of pay-off is right the one is XX/XX/XXXX amount is different {$24000.00}. Made my last payment in XX/XX/XXXX. Working 2 jobs now had XXXX XXXX in year XXXX. That is why I got behind in my payments. Have medical documents & paperwork to prove this mess. Please HELP me with this Debt Collector Atty. I shouldnt have to ask several times & send his emails and call my attorneys office. Sincerely : 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 2021-12-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt collector on XXXX in total of XXXX. XXXX months late I was notified that the debt was still owed by ic system. I sent the letter from my chase account that it was aready paid. I stated that it was illegal to pay a debt twice. They notified me that its not there problem. Both amounts where exactly the same. I have prouf that it was paid. I sent it in. They did not care. I feel like this is not write .I had to pay this so it would not be on my credit report. It still went on my credit report twice. I need to know how to fight this

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX and Transunion a collection in the amount of {$4700.00} on the XXXX  XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX  XXXX  card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs 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 explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: MI
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:
Equifax is reporting a hard inquiry on my report because XXXX XXXX XXXX has purchased XXXX XXXX. The representative asked me if I was interested in cable I said sure as long as you dont run my credit for a hard inquiry, the representative had already checked my credit for internet service. So I didnt want my credit being ran for cable I thought since they checked it for internet it was already set. I called and talked to a XXXX XXXX XXXX representative they assured me that they would handle the issue but nothing has happened.So now I have XXXX XXXX XXXX and XXXX XXXX as hard inquires on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX. I am an XXXX ( soon to be XXXX ) year old, 26 year XXXX XXXX. The reason I am writing is because I was told some very disturbing news that does not makes any sense to me. 

I purchased my home in XX/XX/XXXX. I have refinanced a couple of times over the years for various reasons. 

In XX/XX/XXXXI suffered a XXXX and a XXXX XXXX. At that point I refinanced my house to add my girlfriend on the title in the event anything happened to me. 

I refinanced my home with Quicken Loans on XX/XX/XXXX. 

My girlfriend, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

As I mentioned I am a 26 year XXXX XXXX. This past year I was told there was a program available to veterans that could assist in paying my property taxes on my home. I inquired about the program and was told by my county that information could not be disclosed to me because I did not own my own home. I did not understand what I was being told because I bought my house and have been making payments since XXXX. 

With the help of family we began to try and understand what I was told. 

Supposedly in XX/XX/XXXXwhen I was in the hospital recovering from a XXXX and XXXX XXXX and refinanced my house I am being told I gave my house to my girlfriend by a deed and that I did not refinance it. I do not understand why someone would think I would do this and I am not sure how this is possible. I refinanced my home to add her on to title. I have been making payments on time every month since I bought my home in XXXX. 

My daughter in law contacted Quicken Loans who last did the refinance on my home. She was told on XX/XX/XXXX by XXXX XXXX from Quicken Loans Originating Team that I was in deed on title at closing in XXXX. She further said that the title company is a sister company and she would have documents forwarded to me showing I was on title. 

I am now being told from Quicken Loans that I am not on title and that I have been paying my mortgage on time every month for a home that I do not own. 

I do not understand. 

In looking at my loan application in XXXX ( copy attached ) with Quicken Loans it shows manner in which title is to be held XXXX. Title will be held in what Name ( s ) : XXXX XXXX, XXXX XXXX XXXX. This goes to show that again all parties agreed that I am the owner of my home. Those were the terms I agreed upon when I refinanced my home. That is why I signed every sheet of paper when I refinanced my home. 

I NEVER gave up ownership of my home. I have no money to go anywhere else. I have equity in my home that I can not afford to lose. I need help to get my home back. 
Loan Information : Quicken Loans Inc. 
Loan Number : XXXX Loan to : XXXX XXXX XXXX XXXX XXXX Mortgage Loan Amount : {$66000.00} My address : XXXX XXXX XXXX, XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
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: Information belongs to someone else

Complaint:
I recently started to monitor my credit using XXXX which works with Experian. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on XXXX and Experian. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.

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 2022-10-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numbers 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX credit bureaus as well.

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 2018-01-23
Company: Clear Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received call from Merchants Credit Adjusters on XXXX XXXX on XX/XX/XXXX. Caller identified himself as " XXXX '' and asked for verification of the address of record, which I verified. XXXX ' tone was overly aggressive and condescending, even after I mentioned that I had set up a recurring payment via my bank to satisfy the debt. XXXX stated that I told a another representative on a previous call that I was unemployed. During the initial call I had some technical problems looking up the information on my account, meanwhile XXXX was continually condescending. After finally locating the info, I discovered that in fact recurring payments have been setup for the XXXX of each month culminating to the total balance. In fact, the first payment was made on XX/XX/XXXX, prior to receiving this call. Upon calling back Merchants, the 2nd representative refused to identify herself and told me that the Supervisor would call me back. I have not received a call back as of this writing.

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 2018-01-26
Company: V and H Portfolio
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:
I have sent multiple credit disputes to trans union, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) budget used car sales ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our vehicle was deemed a total loss on XX/XX/XXXX. Our insurance company ( XXXX XXXX ) issued 2 checks to GM Financial on XX/XX/XXXX in the amounts of {$17000.00} and {$4500.00}. These payments were never reflected on to our account. After calling repeatedly, there was no resolution. GM Financial did a system upgrade where they stated they would be unavailable from XX/XX/XXXX-XX/XX/XXXX, so we were unable to follow up during this time. Once they reopened, the payments have still not shown. On XX/XX/XXXX, Progressive insurance placed a stop payment on the original 2 checks, and issued 2 new checks which they overnighted on that date. Even though the checks were received overnighted ( validated through shippers website ), a payment was not credited to the account until XX/XX/XXXX. The payment for {$17000.00} was credited to the account, however, the payment for {$4500.00} has disappeared again! I have spent hours on the phone waiting to speak to a representative, and in each case they state it does not appear, and are unable to locate the payment as an unmatched payment in their system. Both of these checks were sent together in the same overnight delivery package. 1 was processed, and 1 came missing. I contacted XXXX XXXX for help, which they traced both payments to show that both checks cleared payment on XX/XX/XXXX. So, the missing payment of {$4500.00} was received and cashed by GM Financial, but no where to be located in their newly upgraded systems. ( I have attached the payment trace document from XXXX XXXX to this complaint ). In the last several days, I have attempted to call several times, but now their customer service line states that the call can not be completed at this time due to high call volumes, and then disconnects the call. We still have an outstanding balance of {$3000.00} on the account as a payoff amount that has not been paid due to the neglect of payment processing and application on behalf of GM Financial.

Company response to consumer: Closed with explanation