BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
IN XX/XX/XXXX I RECEIVED A FIRST MORTGAGE FROM XXXX XXXX FOR A NO DOC LOAN TO PURCHASE A CONDOMINIUM IN XXXX FLORIDA. I MADE REGULAR PAYMENTS UNTIL THE REAL ESTATE CRISIS OCCURRED IN XX/XX/XXXX AND THEN BEING IN THE REAL ESTATE BUSINESS MY INCOME FELL TO NOTHING. I COULD NO LONGER MAKE PAYMENTS. AS SOON AS THEY ACCELERATED THE LOAN I APPLIED FOR A MODIFICATION AT THEIR INVITATION. THAT PROCESS TOOK TWO YEARS AND I WAS DENIED. 

THE BANK THEN AGREED TO A SHORT SALE AND WHEN I RECEIVED AN OFFER THE BANK CHANGED THEIR MIND AND REFUSED TO SELL THE CONDO ON A SHORT SALE. THIS TOOK A COUPLE OF YEARS TO PLAY OUT. 

I THEN WENT TO MEDIATION WITH THE BANK AND THEY AGREED TO A DEED IN LIEU OF FORECLOSURE. MY ATTORNEY PREPARED AND SUBMITTED THEIR APPLICATION AND THEN THEY CHANGED THEIR MIND AND DID NOT ALLOW IT. 
I THEN SUED THE BANK FOR PREDATORY LENDING AND RECEIVED A DEFAULT JUDGEMENT BECAUSE THEY DID NOT APPEAR IN COURT. THE JUDGE SET THE FORECLOSURE ACTION ASIDE. 
FIVE YEARS LATER I SUED TO SET THE MORTGAGE ASIDE AFTER THE 5 YEAR STATUTE OF LIMITATIONS EXPIRED WHILE THERE WAS NO FORECLOSURE ACTION IN PLACE BY THE BANK. THE JUDGE RULED IN MY FAVOR AND THE MORTGAGE WAS SET ASIDE AND CANCELLED. 
THE BANK THEN APPEALED TO THE FEDERAL COURT TO HAVE THAT DECISION SET ASIDE. THE FEDERAL COURT JUDGE REVERSED THE STATE COURT RULING. WHILE THAT ACTION WAS PENDING THE SUPREME COURT OF FLORIDA RULED THAT ALL SUCH ACTIONS WERE TO BE PUT ON HOLD UNTIL THEY RULED ON THE 5 YEAR STATUTE OF LIMITATION. TWO YEARS LATER THEY CHANGED THE LAW IN FAVOR OF THE BANKS AND RULED THE 5 YEAR STATUTE DID NOT APPLY BECAUSE THE MORTGAGES WERE STILL ON RECORD THEY COULD FORECLOSE A SECOND TIME. 
IN XX/XX/XXXX EIGHT YEARS AFTER I STOPPED PAYING ON THE MORTGAGE, I REAPPLIED FOR A MODIFICATION WITH THE MORTGAGE SERVICER, SHELLPOINT MORTGAGE SERVICING, AT THEIR INVITATION. I HAVE SUBMITTED EVERY DOCUMENT THEY REQUESTED OVER AND OVER AND AFTER MONTHS GO BY THEY AS FOR THE DOCUMENTS AGAIN BECAUSE THE DATES ARE TOO OLD. THEY HAVE DONE THIS SEVERAL TIMES THIS YEAR. THEY NEVER GO TO LOAN COMMITTEE. 
I HAVE REQUESTED THEY REDUCE THE MORTGAGE BALANCE TO AN AMOUNT THAT I HAVE THE ABILITY TO PAY DUE TO THEIR MAKING THIS NO DOC LOAN TO ME WHEN THERE WAS NO WAY I COULD HAVE QUALIFIED WITH NORMAL DOCUMENTATION. I AM PREPARED TO BEGIN PAYING THE MORTGAGE WHEN AND IF THEY SETTLE WITH ME ON A REDUCED MORTGAGE AMOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX  ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

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

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: EQUIFAX, INC.
State: PA
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 sent an Identity theft report in the for of an affidavit via the federal governments website ( FTC ) VIA certidied mail. Equifax wrote me a letter in response stating that they would not block the information. Equifax also stated that they needed proof which I gave in the form of an official Identioty theft report for there mismanaged procedures. I am being violated of my rights as a Consumer and for there negligence of non compliance to my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed to get a ibr with navent and XXXX both service federal loans. Each are charging 15 %  of my income which together is 30 % of my income. My take home for a single with XXXX dependants is XXXX per month. How Im i to afford XXXX total per month to the federal government per month. Im already getting XXXX  benifits because all my current income is going to bills. Do I also need to apply for money assistance job and family services to offset what the federal are taking? The cost of living is already XXXX a month in bills so I can't live independent. Are they trying to make us homeless?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IN
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 told XXXX XXXX  and TransUnion that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808

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 2021-10-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received two Lowes Business Advantage credit cards in the mail from Synchrony Bank on XX/XX/2021 as well as a letter in a separate envelope welcoming me to my new credit account. The account was opened using my first name and " Construction '' in place of my last name. 

As I did not apply for these cards, I called Synchrony Bank at XXXX and opened a fraud case. They informed me that an individual using a lot of my personal information opened the account on XX/XX/2021 and made a number of charges immediately. Synchrony informed me that they have closed the account and will be having their fraud investigators contact me in 7-10 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 non-monetary relief
Consumer complaint received 2019-11-11
Company: Nelnet, Inc.
State: MA
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:
DEPTEDNELNET XXXX This is the payment remarks. As you can see, it started late 90 days right away without prior late remarks. 

XXXXunkown OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 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  OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 90 days late 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from my mortgage loan servicer, Select Portfolio Servicing, to provide proof of insurance for a policy that had expired on XX/XX/XXXX. I sent that to them. On XX/XX/XXXX, I received another letter asking for proof of insurance for the prior year, XX/XX/XXXX to XX/XX/XXXX. I did not have insurance in place during that year because my home was in foreclosure and they had scheduled an auction. The home is no longer in foreclosure and all the auctions, three of them, were canceled. 

Then I received a bill from them for {$3500.00} for insurance ( force-placed ) for the lapsed period, the prior year. This is double what I pay now and it was for a year that had already passed. 

It 's hard to believe they can do this, but they did it. If I could buy insurance for a previous year, I would have done it but it seems only mortgage companies can do this and force it on the homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX  Balance {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion validated a debt in my name without submitting proof or having the proof from the collection agency. How can they report something without validation? I requested proof of the debt, date contract was signed, anything tying me to the debt and was not received yet they still validated it. 

XXXX XXXX XXXX is reporting I owe {$320.00} to a payday lender, XXXX XXXX XXXX. I do not recall this debt or ever using this lender. All I asked was for proof of debt and that was never sent. This company has never sent me anything in writing. 

I want this investigated again.

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 2019-11-11
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a co-signer on two Student Loans for my daughter with Sallie Mae. The first loan was not a problem, as we signed up for Deferred Payments. I did the same thing on the second loan and they started to charge Interest only on the second loan. I have not been able to have anyone at Sallie Mae provide me with the documentation from both loans to compare where I signed up for the Interest only loan vs the Deferred payments. 

I know I did not sign up for Interest Only loan payments while she is still in school and as a matter of fact, tow months ago, they sent a letter saying they were going to start charging her Interest and Principle on the loan while she is still enrolled in school. I have done some background research on Sallie Mae and now see that have a terrible reputation with student loans, the terms associated with the loan, providing clear information on the repayment terms and giving conflicting details on what the loan terms are and which category they are in. I truly believe this organization 's less than stellar process of verifying information and making things clear has lead to their terrible situation. 

We are not looking for loan forgiveness, but to make it right as far as the payback terms. I want the information to reflect the loan should be Deferred Payments until my daughter finishes college.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Volvo Car Financial Services U.S., LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When my lease was signed for my XXXXXXXX Polestar XXXX XXXX XXXX XXXX XXXX XXXX XXXX Polestar XXXX XXXX XXXX  of the lease states Polestar Is responsible for my maintenance and operational costs. 

In XX/XX/2022 I got a flat tire in XXXX XXXX  I then contacted Polestar Roadside assistance to have my car towed to the Polestar dealership in XXXX to get my tire fixed. Upon my car 's arrival at the dealership, the maintenance supervisor advised me I needed to contact Polestar Financial to get the authorization for payout in order to get my new tire installed.

I then called Polestar Financial and after multiple transfers and supervisors, I was told by the polestar management they would not honor what was agreed to and signed in the auto lease. It's been almost 2 months since I was told they would get back to me with a resolution and every time I call the supervisor just advises me they will call me in 1-2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: FREEDOM FINANCIAL NETWORK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I've retained Federal Debt Relief to assist me with paying off debts of which I admit was improper planning on my behalf. Since XX/XX/2020 I have been paying a little under {$600.00} a month and never missed a payment to them.Thats alot of money personally to me and was astounded to learn after I reviewed a credit report that my score is at the bottom of the barrel. I'm not deserving of a great or even good score by any means but remaining at the bottom doesnt seem right. I did stop paying them ( creditors ) as I worked with XXXX but I wasn't crazily behind. It Now appears I've been a complete failure trying to make things right with several creditors I have I believe 5-6 creditors who have me as " Charged off ' or " SERIOUSLY Past due ''. 
-Some creditors out there have had balances under {$1000.00} or even {$500.00} and XXXX would Not let me pay them off as people offered to help me.Instead we are on 2+yr deals to pay them. They did let me now if I put more $ $ in my acct things would get better. I tried that and it did get better ... for them. They collected their fees much quicker, Nothing else. ( They know this is reality, I already know what and how they will respond to that in a mostly structured, standard XXXX  response ). 
-I also have a few accounts where the creditors are being paid {$1.00} a month, you heard me {$1.00} a month, they will have a response for that as well as you are aware. 
-I 'm going backwards with my credit, straight backwards. 
-Its clear my credit is going backwards and backwards... ..and then when I'm finished with them add 7 yrs where my credit will look like what they are creating for an unknown reason. What are they up to if you can answer? If anyone knows its you ... and them. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I call XXXX  credit reporting agency I was told if I didnt agree to promotion I wont be able to speak to anyone. They hung up the phone. They reporting wrong and out dated information.

I think its wrong to pay a credit repair agency when all the bureau needs to due is update the file.

COMENITY Bank is reporting two accounts on my XXXX  report. The first account is accurate shown as closed and paid in full I was never late with this account. The second account I have no knowledge of and keeps reporting late and adding fees and interest. I have asked COMENITY Bank to send me an itemized statement and any documentation to prove I own this account and they haven't. This is effecting my credit score by not getting resolved. Please remove this unknown open account with COMENITY Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
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: Personal information incorrect

Complaint:
Transunion union displays innacurrate employer on credit report. I do not work for XXXX XXXX, I work for 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 2020-07-13
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm currently in a dispute with XXXX  and XXXX for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by JPMCB or XX/XX/19 from XXXX/XXXX. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Please see the attached documents. 

Western Union processed roughly 70,000 HKD for at least one individual who was illegally XXXX XXXX XXXX from XXXX to XXXX XXXX and XXXX  XXXX. 

Here is the link showing the arrest : XXXX XXXX XXXXXXXX You can see the attached documents showing the transaction receipts illustrating Western Union processed roughly 70,000 HKD in transactions that were the direct result of XXXX XXXX. 

These activities are quiet concerning and appear to be in violation to what WU has promised to its shareholders, the USDOJ, and the NYDOJ.

Company response to consumer: Closed with explanation