BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: OPORTUN FINANCIAL CORPORATION
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:
Someone has used my personal information to obtain credit causing an inquiry to be reported on XXXX XXXX, 2022 by XXXX XXXX 

XXXX REPORTED ON XXXX XXXX 2022. 

XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. 

XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: EOS Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, has placed XXXX different collections on all my credit reporting bureaus. There are XXXX different amounts, XXXX for {$290.00} and XXXX for {$170.00}. I have called XXXX XXXX XXXX several times to find out what the bill is for, no one can provide me any information on why this is happening. This has been going on for over two years now. They place it with a collection company, I ask for validation, its removed, then then two months later, its with a new collection company with new dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Account information incorrect

Complaint:
I was looking over my credit report and I noticed some fraudulent accounts on my credit report. the following accounts are being submitted to be blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage Servicing services my loan and also collects money from me monthly for an escrow account, from which they pay my property taxes and homeowners insurance. The problems in the past stemmed from this escrow account, which they like to pad with exorbitant amounts of extra money to prevent the escrow account from going into the red when they pay the taxes twice a year. XX/XX/XXXX, they again decided to pad the escrow account and raised my escrow payment by {$1300.00} per month. This was the beginning of the nightmare that has now resulted in five months of Shellpoint lying to me, ignoring my calls, never returning calls, passing the buck, leading me up the garden path to nowhere, sending them mountains of paperwork and generally wasting my time. Even worse, they have ruined my credit, which was excellent when I applied to them for a modification XX/XX/XXXX. They have incorrectly reported me as having been late on payments, when all along, it was Shellpoint who had not applied the funds I paid them in XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-31
Company: Experian Information Solutions 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:
Unauthorized inquiries on my report these items must be legally removed. I already contacted the credit bureaus and havent done so.

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 2017-03-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been diligently pursuing a loan modification with XXXX and their servicing agent, Shell Point Mortgage, to avoid foreclosure. We have been working on this for almost a year now. Every time we reach the 30 day period that they have to review my information they send me a statement requesting the exact same information again. I am represented by an XXXX and they are as frustrated as I am. Now, I have been sent a letter declining my modification even though I qualify because they state that they did not receive the required information. I have email verification from them and their counsel that they did receive it, twice. I am now at a point where I may lose my home because their left hand does not know what the right hand is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CLX Systems/ Westwood Management
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from a gentleman regarding an outstanding debt to my place of employment. After I explicitly informed him of why the debt was outstanding and disconnected, I received yet another call to my employer 's line. Only this time it was a recording and has been occurring on an ongoing basis for several weeks. Calls have also been placed to my mobile device ; however, I have been able to block them successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Affirm Holdings, Inc
State: MI
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: Problem with personal statement of dispute

Complaint:
AFFIRM INC REPORTED 4 LATE PAYMENTS WHILE I WAS XXXX  AND XXXX XXXX XXXX XXXX XXXX, MY RECOVERY TOOK XXXX WEEKS AND I WAS NOT CALLED NOR GIVEN THE OPPORTUNITY TO BRING THE ACCOUNT CURRENT. DUE TO MY HOSPITALIATION I WAS UNABLE TO COMMUNICATE. 

AFFIRM ACCOUNT # XXXX DATE REPORTED : XX/XX/2022 AFFIRM ACCOUNT # XXXX DATE REPORTED XX/XX/2022 AFFIRM ACCOUNT # XXXX  DATE REPORTED XX/XX/2022 AFFIRM ACCOUNT # XXXX DATE REPORTED XX/XX/2022 I WAS ALSO NOT INFORMED THAT THESE ACCOUNTS WAS EVERY REPORTED TO THE CREDIT BUREAU PRIOR TO ANY LATE REPORTING, THERE WAS NEVER ANY INTENT FOR THIS COMPANY TO EVER REPORT ANY OF MY PRIOR ACCOUNTS TO THE CREDIT BUREAU. I HAVE HAD 5 OR MORE OTHER ACCOUNTS THAT WERE OPEN AND PAID BUT NEVER REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unauthorized inquiries on my report these items must be legally removed. I already contacted the credit bureaus and havent done so.

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 2021-01-14
Company: United Shore Financial Services, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, On XX/XX/XXXX my family lost our home in a wildfire. Insurance provided us with the check for the dwelling in XXXX and we immediately mailed it to United Wholesale Mortgage. The check was in my wife and I 's name and UWM 's as well which is why we had to send it to UWM. UWM proceeded to cash it, our loan balance showed {$0.00} and we are due back {$120000.00} which is the excess of the insurance checks over our loan balance. 

On XX/XX/XXXX UWM processed the check and mailed it, however due to a clerical error on their part with a butchered address, it never made it here and now it's back in their hands. 

Every time we call we get tossed around and thrown a new story, never any supervisors available and this last time they said they have to put a stop payment on the check and reissue which takes 30-60 days. THey are holding our livelihood and money we need and are relying on for far too long. They've had XXXX XXXX  insurance check cashed since XXXX of XXXX and it's now mid XXXX. We're scared and nervous at the incompetency of the company and how long this is taking. 

Please help! They won't help and it's just constant push back and delay delay delay, call back, we'll call you back and never do, it's just thing after thing. This company is run extremely poorly and incredibly inefficient from a customer perspective. 

Thank you. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Synovus Bank
State: NJ
Product: Credit card
Issue: Other

Complaint:
I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job. 
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late. 
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: BC SERVICES, INC.
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency Boettcher & Associates Inc. from XXXX, Colorado has failed to validate their claim to a debt ( which has been bought numerous times in the last 10 years ) as well as payment history on the debt which they had a full calendar year to provide. Recently they violated the FDCPA privacy laws by speaking with a family member about the debt, and not only that then they sent that family member a letter that stated Boettcher & Associates was attempting to collect the debt from my family member.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: LA
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 this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on credit card account under a open and consumer plan as late for any purposes

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 2021-01-14
Company: Experian Information Solutions Inc.
State: NH
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: Problem with personal statement of dispute

Complaint:
I just received a letter. From AGs office XXXX Mass XXXX states to have. This. Agency. Help. Me! 

All three. Credit reporting Bureaus ( Experian 2. XXXX XXXX, XXXX XXXX XXXX and. Any other harmful reporting. Agencies. 

So, yes I have. Had some lates and. Collections, But my score is being harmed I. Need action And request a restoring result! LI need my score to be above 700 they are showing low I did a year ago sent letters to ceo. About. There breaches! 

And to fix. My Reports Financial hardship! 

XXXX XXXX XXXX XXXX XXXX XXXX nh. 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 2015-07-23
Company: SECURITY FINANCE CORP
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Security Finance in XXXX NM. keeps calling everyday after we go and tell them we will be on a certain day and come out to the house to collect. We try to pay as much as we can and explain to them that when the money is there, we will pay the weekly/ monthly rate when we can. Do to the lack of money coming in from not having a job and recently starting a job, we do the best we can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ) : Please assist with having PHH Mortgage/XXXX provide the document requests listed in this letter and explain the balloon modification cost of {$170000.00} for a past due loan amount of {$29000.00}. 

Modification was denied by PHH Mortgage/XXXX  because balloon modification cost is {$170000.00} for a past due loan amount of {$29000.00}. 

The following requests are being made to have complete evidence of the disputed past due mortgage loan balance of {$29000.00}. 

A response to all items listed below is required : 1. Explain why past due balance of {$29000.00} requires a balloon repayment of {$170000.00}? Is it legal to charge {$170000.00} for a loan amount of {$29000.00}? 

2. Provide an explanation of why the attached agreed/signed trial payment modification for loan balance {$190000.00} differs from the attached final balloon modification of {$190000.00} + {$170000.00} = {$370000.00} that I did not sign. 
a. Trial payment modification differs from approved balloon modification by {$170000.00} 3. Provide complete loan history from XXXX to present including but not limited to : a. Detailed line by line loan payment history breakdown is required because after suspense payments of {$5100.00} were applied in XXXX the past due balance did not decrease. 
b. In fact, the past due balance went UP from {$29000.00} to {$29000.00} after suspense payments of {$5100.00} were applied as per mortgage statements dated XX/XX/XXXX XXXX. 

4. Provide escrow analysis from XXXX to present a. Because there is an XXXX XXXX of {$24000.00} that it is unclear where it came from. 

5. Explain why PHH is currently returning all payments made for the loan as bank statement proves. 

6. Provide copy of all monthly statements from XXXX to present. 

7. Explain balloon modification cost of {$170000.00} a. Balloon modification offered by PHHXXXX egregiously harms and fails to help or benefit me the homeowner. 
b. Abraham v. Ocwen Loan Servicing , LLC Lawsuit - homeowner sued Ocwen/XXXX  regarding balloon modification that proved to be detrimental to the homeowner. PHH MortgageXXXX is imitating the same egregious behavior as its sister firms Ocwen/XXXX. 

It is my understanding that PHH MortgageXXXX offers balloon modification to its customers in default and those that do not sign are then threatened to deed in lieu of foreclosure or short sale their home. 

8. Provide the Summons & Complaint filed with the court to foreclose on my property because I never received it. 
a. All communication from PHH Mortgage currently states that I should deed in lieu of foreclosure or short sale my home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Electronic check was deposited on XX/XX/XXXX for the amount of {$4200.00}. It was processed and cleared from the account holder who endorsed the check within 2 days. 
On Friday XX/XX/XXXX I received an email from chase saying my account would be closed. I wasnt sure if this was in error as I didnt see any messages in my online account. Since the funds had been cleared and showed available in my account, I attempted to use and was rejected. 
I contacted chase on XX/XX/XXXX attempting to resolve and use my funds. Their recommendation was to have the check issued call chase to clear the transaction. The issuer called and stated everything was clear on their end, funds were disbursed appropriately. 
I called back XX/XX/XXXX to follow up. They gave me the same recommendation to have issuer call. Issuer called and received the same information. 
I decided to conference call with issuer on the line to clarify banks request. They verified issuers information and assured me issue would be resolved and I would have access to my funds within XXXX XXXX I attempted to use card XXXX XXXX later and my account is still restricted. They continue to waste my time and issuers time and give us the run around. The funds are not in issuers account nor in mine. This restriction does not allow me to buy food for myself or family and is also costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation