BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to request a cease and desist order on shellpoint mortgage and XXXX, XXXX and XXXX for violations of the CARES ACT protections. 
Shellpoint Mortgage is my mortgage lender # XXXX I am in an active approved forbearance under the CARES ACT. 
XXXX, XXXX, and XXXX credit agencies are reporting various balance increases on my Shellpoint mortgage, removing the items and re-entering different balance increases. 

Each of these entries results in an increase in my XXXX score and a change in my debt to income ratio. This behavior is a direct violation of the CARES ACT of 2020. 

The result is my credit report says I am increasing an existing line of credit by {$12000.00} during a pandemic and while I am looking for employment. 

Shellpoint Mortgage suggested that I write a letter to the credit bureaus to correct the incorrect entries. 

The credit bureaus are non responsive and suggest I file an investigation which will allow Shellpoint Mortgage 30 days to remove any derogatory items from my report. Shellpoint responded that they are not making the entries. 

I am actively seeking work and my credit report is used as a reference to my character! 

This can not wait 30 days! 

I am asking for all credit bureaus to be forced to adhere to the CARES ACT provision of not reporting anything concerning a clients participation in the forbearance program. 

NOTE : They are not saying that I am 30 days or 60 days late they are saying that I am increasing my balance by the amount of the forberrance which has been input in the amounts of {$4200.00} and {$12000.00} which are substantial amounts of increases in a persons credit or debt and they are reducing my credit score as a result!

I am trying to gain suitable employment and these acts are irectly impacting my ability to do so. This is what Congress intended to avoid with the stipulation that no negative credit reporting will occur if I was approved for this program.

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: 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: Information belongs to someone else

Complaint:
I have written a letter attempted to reach out to rocket loans back in XXXX of this year 2020, two items has been deleted on transunion and experian in regards to an item on equifax my report to be removed, has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
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:
I never gave my permission for Ace Cash Express to run a hard inquiry on my credit report. 4 times in 2 months when applying for credit. I have taken numerous loans out through them and they haven't pulled a hard inquiry every time. There are numerous complaints about this online and it was stated : For anyone who got hit with a hard inquiry without consent I suggest contacting the CFSA, the CFPB, lodging a complaint with The Fair Credit Reporting Act under 15 U.S.C. 1681. 

Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Transunion is reporting XXXX XXXX XXXX creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the Transunion website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My Experian credit report shows that currently Transunion is reporting XXXX XXXX XXXX ( XXXX, XXXX XXXX ) is a closed account with {$0.00} balance and no late payments. So because XXXX is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in NC/SC from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows XXXX by any alias to report on negatively on my credit because I have no financial obligation to them as XXXX reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by XXXX nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, 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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts. 

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report. 

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: American Credit Acceptance, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I thought i sign agreement document when i purchase auto, Ceas & Desist letter? As i been hurt on job, waiting for unemployment back pay over $ 13k, Stimulas check came late and American Credit Acceptance offer me to pay back payments due in XXXX XXXX about {$1700.00}. and i email Supervisor XXXX XXXX ehere can i drop off car.Since they wanted to much all at once i think it was about XXXX XXXX i ask.But got return email to call but i have no phone service at the moment.I offer about in XXXX XXXX after getting stimulas check $ XXXX.when i had it was refused.Now iam broke again.If ACA would of rifi in my first year like they said they would, when i purchase car with lower rate go from 28. % to 15 % but they never did.Maybe i could pay $ XXXX.amonth tell i get caught up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-04-26
Company: TMX Finance LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On the following days I agreed to a charge of {$36.00} and have it via email : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. 

However, they've charged {$57.00} on each of those dates so far. I have no explanation for them charging almost {$20.00} additionally each payment date nor do I have it in writing for them to charge me this arbitrary amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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:
There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : XXXX ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX  XXXX XXXX/XXXX   XXXX/XXXX  ( 2 TIMES ) XXXX XXXX/XXXX  ( 2 TIMES ) XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) 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 2021-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021 I contacted Equifax at 1-888-EQUIFAX in reference to error code NH I received while trying to obtain a copy of my free annual credit report at the Equifax website. I was instructed to fax over copies of a bill, social security card and picture ID. I faxed the information XX/XX/2021. I waited until mid XX/XX/2021 but I never received a reply from them. I was finally able start the process to create an online account after receiving multiple error messages during mid XX/XX/2021 : however, I couldnt complete the process because they couldnt validate my information and they needed to mail me a code. I received the code XX/XX/2021 and able to create the account ; however, I still have not had access to my credit report after several attempts. I always received a message saying that the system is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account with Citizens Bank, which had a potential bonus offer of up to {$400.00} ( {$300.00} for deposits of {$500.00} or more and {$100.00} for debit card transactions ). Citizens Bank rejected my application, providing an email, claiming that it was based on my credit report. However, no specific explanation was provided. My credit score is one of the highest in the United States at XXXX, according to XXXX. This appears to be some error or discrimination from Citizens Bank. It's a shame, I have a large amount of money that I was considering depositing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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: Was not notified of investigation status or results

Complaint:
I have tried on several occasions to dispute the accuracy of this account with the credit reporting agencies XXXX, XXXX and XXXX. Over the past couple years I have requested written documentation of the findings outcome to support what is being reported on my credit report. They only information I have received is that my dispute was reviewed and the findings were accurate. 

Please provide written detail support on the reported findings.

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 2019-07-15
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
First for a couple of months Victoria Secret kept changing their terms and my husband had the same card, but wasnt experiencing the same issue. After long thought out decisions I decided to cancel the card and advised the creditor I would pay the balance in full in a month or so. Im currently unemployed and not receiving any benefits. Comenity Bank every single day, including Sunday is calling my house, my cell several times a day, they leave no message whatsoever. I think this is extremely abusive, no sooner than they call my house phone, then they are calling my cell phone. Doesnt the law require them to leave a message with a call back number. Also, I dont appreciate a representative going through how much I owe and then asking me how I would like to take care of this today, they are assuming that just because they spoke to me I have the money and Im going to be making a payment right then and there. I especially dont appreciate this creditor calling me on a Sunday and the majority that are calling are either from XXXX or the XXXX and many times dont understand or even care about the details they are giving you, the only thing they concentrate on is that they are going to get a payment from you. After working in the banking industry and knowing about the fraud that goes on in these countries Im not confident in giving them any of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
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: Information belongs to someone else

Complaint:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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 explanation
Consumer complaint received 2020-06-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am on a temporary forbearance plan due to COVID19.

Mr Cooper mortgage company ADAMANTLY REFUSES to discuss what will happen at the end of my forbearance. They only throw around 3 possible options ( cap, cap & extend or modify ) and tell me I HAVE TO GIVE UP THE FORBEARANCE PLAN BEFORE they can tell me which option I will get. This is Outrageous & should be completely ILLEGAL to not tell a consumer which option they will be eligible for at any point in their forbearance!!! I should know exactly what's going to happen with my finances, my mortgage and MY HOME without having to give up the forbearance plan immediately if I need a little more time. 

I should also have a say in which plan is applied for my finances and what will work best for me rather than some random underwriting people ( who they will NOT even let you speak with which is also completely inappropriate ) arbitrarily & capriciously deciding which plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX Reported : XXXX. XXXX, 2020 {$680.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX. XXXX, 2020 {$58.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-12-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I did a dispute for XXXX and experian. The credit bureas do not like for consumer to submit multiple disputes for some accounts. As a result, I need to dispute these items through your website.

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