BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage loan modification thru Shellpoint and have been working with XXXX XXXX, I received notice on XX/XX/XXXX that my File was not approved because the proposed modification would go up instead of down by {$10.00} ( XXXX Dollars ). My current rate is at 10.99 %. My current maturity on my loan is XX/XX/XXXX 11 years left, They stated they could not extend out my maturity even though this is a 30 yr loan. 

I wrote a letter of appeal to Shellpoint addressing the following XX/XX/XXXX SHELL POINT MORTGAGE Re : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, PA, XXXX XXXX Attn : Loss Mitigation Dear Loss Mitigation, I am writing this letter regarding the decision for my request for Loan Modification. I understand the decision for modification was declined because my new scheduled payment was set to increase by {$10.00} which in your guidelines I would not be eligible for assistance. As you can see my financials attached, I have a surplus of income of {$560.00} and I can afford the payment and would gladly accept the terms. But I can also contribute {$5000.00} towards the delinquency to bring my amount owed lower and clear the {$10.00} deficit also as a good faith payment. Please help me I am XXXX years old and do not have the strength to start up again, please help me. 

Shellpoint stated that based off my investor they would not allow a maturity extension or even take my {$5000.00} i offered to help get my mortgage payment lowered so I can cure the {$10.00} deficit. I have done some research online and have communicated with other homeowners with the same investor and have discovered that they can indeed extend the terms. CFPB please help me save my home, I'm an old man just need help saving my piece of the American pie. 

Please, Please help with Covid-19 I can not risk to be out in the street as I am a prime candidate for Covid. 

As well when I asked for the Net Present Value results the pages are blank and did not provide them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : CHILD SPRT XXXX Balance Owed : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on 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 2018-08-10
Company: Bread Financial Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have repeatedly asked for a validation of the amount which was reported to all credit agencies, but they keep sending me old statements from different periods from the previous creditor, each contain different amounts, one for {$21.00} and another for {$50.00}. The statements are not validation per se. They claim I owe {$240.00} which I do not believe I owe. I then asked for validation of the amount but all they send me are copies of past statements with different amounts, as stated above, amounts which I do believe I have paid off in the past. They need to prove how they came up with {$240.00} but have not been able to do so.

The collector and all credit agencies only respond to me by stating they have already answered my questions and will not respond anymore. I can not afford a lawyer at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Rather then accepting payment through their online portal they would rather call I am not willing to give my personal information over the phone that the company should have in tge firt place. They said once you fall behind on payment that they shut It out and it was in my documents which it isn't and they still continued to send me emails saying how easy it was and to make a payment online which they locked me out of so they can litigate then arbitrate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions 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:
I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NE
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to XXXX XXXX and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: John C. Heath, Attorney at Law, PLLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lexington law has sent me a letter stating that I could do have service again I called the XXXX number on the letter I received. I called the number on the that was on the letter and I processed a new issue with Lexington law and they told me that in a journey I close my account. I'm just putting this issue is her contradicting their statements from the letter and what their product issue is and I'm very dissatisfied with what's been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if XXXX XXXX and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points.  XXXX XXXX reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) which states that if an institution reports a status that that status must be accurate. I called XXXX XXXX to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to XXXX XXXX and in all respects was trying to do the right thing to pay off the loan early. The fact that XXXX XXXX never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that XXXX XXXX doesn't treat any other customer in this same type of treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a positive account with sun it that is only reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i cant link my XXXX  account and i can not access those funds because PNC has decided not to allow it to be connected if this is not solved soon im going to be leaving the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Cap 1 Auto reporting incorrectly.

Account is paid as agreed. They're reporting it as 60 days late. 
Cap 1 is reporting 12 x 30 late payments. This is incorrect.. 
XX/XX/XXXX to XX/XX/XXXX -- payments were made on time XX/XX/XXXX to XX/XX/XXXX -- -payments were made on time Missed payment was XX/XX/XXXX. This was a processing error. 
Payments were paid on time. Due to the processing error -- Cap 1 marked on time payments as rolling lates. 
The issue was finally corrected in XX/XX/XXXX. 

Timing is an issue. We looked to correct this. We are unable to and need some assistance. While they 'research ' this, we are unable to get complete the sale of our home and the purchase of a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX  for 7 years.XXXX should be listed as a NON-ADVERSE account.

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 2022-08-06
Company: Experian Information Solutions 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:
I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the Credit Bureuas have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the Credit Bureuas can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
In XX/XX/XXXX, I had made a payment on my Chase credit card account. Due to XXXX and a job XXXXXXXX XXXX, I was unable to make a payment in XX/XX/XXXX, and went ahead and ensured COVID-19 payment assistance was applied to my account. By adding the payment assistance, it made my minimum payment {$0.00} so I did not pay for XXXX. I resumed payments in XX/XX/XXXX after the assistance expired. 

I have contacted Chase numerous times because my account was reported as late to the credit bureaus. My account payment for XX/XX/XXXX should have been {$0.00}, and I was affected by a natural disaster and delinquency was still reported. 

I have been in contact with Chase since XX/XX/XXXX and the issue has not been resolved. I have attempted to dispute the item on my credit report and that has not been resolved either, because Chase reports it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
FOR THE LOVE OF XXXX CFPB - WILL YOU PLEASE AUDIT THIS RIDICULOUS " BANK ''!!! 

NOW - I am seeking your help with my XXXX 's card ALSO ( regretfully ) managed by Synchrony Bank. 

I made a payment online on XX/XX/XXXX, FOR MY FULL STATEMENT balance. That amount CLEARED my checking on XX/XX/XXXX. 

Today on XX/XX/XXXX the Synchrony site shows NO PAYMENT MADE, LATE FEE APPLIED!!! 

I have complained to you about this " bank '' regarding IMPROPER and UNFAIR payment processing by this " bank '' as they also manage credit for XXXX 's, XXXX, and XXXX, that I have accounts with.

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 2020-10-24
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I submitted this : I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of  mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban. 

I received a reply from the company stating, " As stated in the Restricted Activities & Holds section of the User Agreement, your remaining Account balance will be held for up to 180 days. We will make any remaining funds, less reversals or other applicable debits, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. Due to the global concerns over COVID-19, we have implemented limited staffing of PayPal Customer Support for safety precautions. We apologize for this experience but can assure you we are still committed to providing world class customer service and can be reached via email and chat. Alternatively, you can use the self-service options found on your Account. '' I was  lied to by the company. On XX/XX/2020, the company illegally withdrew my entire balance and said it was a payment for " PayPal 's damages caused by Acceptable Use Policy violation ''. This is ridiculous. I need my money now. I was blatantly lied to by the company and I am frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13
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: Information belongs to someone else

Complaint:
9 inquires on my credit was not authorized. I tried to resolve the issue with Equifax and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Santander is involved in a multi state settlement that I was apart of and it is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Okay so i had a guy send me a XXXX check for just talking to him, he seemed like a nice guy, he then sent the check and proceeded to tell me to send it to some charity But it was to phone numbers that he sent me, I then realized that it was some sort of scam so i tried to get rid of the money by sending it back, but now i owe my bank XXXX $ and i dont know what to do, i called my bank and they said i got scammed but i owe the bank all this money?? I really need help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling me for someone else. Ive called them once and told them the name they gave me wasnt me and then got another call from them not even an hour later after I told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: LDF Holdings, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation