BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to a XXXX on XXXX/XXXX/XXXX, the judge ruled that we must put our XXXX XXXX condo in Short Sale. I began the process last year in XXXX with XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX sold the mortgage account to Shellpoint Mortgage Servicing. At that time, I had to begin the Short Sale process all over again under Shellpoint. Since XXXX, I have repeatedly sent the same documents over and over again. They ask for : 1months pay stubs, bank statements, Uniform Borrowers Assistance Form, Dodd-Frank Certificate, Buyer 's Proof of funds, Homeowner Association Statement, 2nd Mortgage payoff letter. Once I ( and my realtor ) send in all of these forms they wait two months and ask for them again. Sometimes they say the forms are not in the file or were lost with the old case manager, and sometimes they say that the forms are outdated and we have to submit them all again. 

Overall, Shellpoint case managers seem to either be very overloaded or incompetent. 
Just one month ago, I was told that all documents look good and are being reviewed by the underwriter. As of today, XXXX/XXXX/XXXX, I am told to refurbish many of these documents all over again. 

It has been a year now since I have started the Short Sale process ( under a judge 's ruling ). I have tried very hard to avoid foreclosure. At this time, I do have a buyer and I 'm scared I may lose them due to the lack of attention to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ******* ( copied form the affidavit ) ******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-05-03
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXXXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2019 I ordered one bottle of vitamins online thru an ad pop up using my Discover card, I received 2 bottles and was charged for both. I called the company and the lady said you have to have both. I said no I will return it, she said no returns and hung up. I called Discover card and the lady said call company and tell them cancel and send a confirmation via email. I called and the lady screamed at me, '' you can not cancel '', and hung up on me. I called Discover back told CSR what happened and the {$4.00} x 2 charges were credited back to me. 
2 months laterXXXX, I get 2 charges of {$89.00} charged to my account from the XXXX company. I called Discover and told them cancel my card or stop this company from charging me. I have no products or services for this charge and I told them to cancel my account in XXXX. I was told to call the XXXX company so I did, they said I got my Discover card involved and I can not call them, XXXX, and hung up on me. Discover card credited the two charges and told me there is a stop charge from XXXX and they can not charge anything to my account anymore. 
The following week, XX/XX/2019, I was charged {$94.00} x 2 from XXXX. I once again called Discover and told them no products or services are being received from this company and they were not supposed to allow any more charges from them. They said we really can not stop them from charging anything. But she credited me the two charges. 
The next day I received a package from XXXX  which I refused and the mailman took it  back. 
My XXXX bill from Discover card has all these credited charges reinstated on my bill. The Discover CSR said XXXX disputed the credits so I have to pay them. I have no products or services for these {$360.00} charges. 
I wanted to talk to a supervisor and wanted copies of all Discovers investigations into this company and disputes and was told No. I asked for a supervisor and was put on hold and after 5 mins I hung up. I tried numerous times to get a supervisor and was told someone will call me back in 72 hrs, no one ever did. I called again and same thing, someone call me back in 72 hrs. That last call to Discover was XX/XX/2019 and it is now XX/XX/2019 and no one has called me back I pay my bills on time and have very good credit. Discover card took the word, with out an investigation apparently, of this non reputable company, XXXX, that another Discover CSR rep told me they have many complaints with, and continue to charge me for products and services I do not have or did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2017-04-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened my app for my Apple Card to see if I owed. It said XXXX payment is due. I clicked on it and it asked me for my thumb print. Next thing it showed was two payments were charged to my bank. On for around {$50.00} and another for over {$2000.00}. It also showed it already took XXXX payment a few days ago as well. I contacted Apple and they told me they cant return the money or cancel the payment even though I didnt agree to it. I can submit a dispute and they might refund the money. However I dont have {$2000.00} in that account and it is going to completely over draft my account. I didnt agree to these charges and they stole money I do not have! The bank is going to charge me so much for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in  accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-08-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filled a Chapter XXXX Bankruptcy, the Bankruptcy was closed XX/XX/XXXX. Through the Bankruptcy Court a motion was granted to avoid unsecured liens on multiple properties. 

Dietech Financial ( lien held by Greentree during bankruptcy ) is the owner or servicer of one of the avoided liens. On XX/XX/XXXX I contacted Dietech to verify the lien had been released and re-conveyed. I spoke with XXXX in the bankruptcy department and was told my request would be forwarded to local counsel for review. On XX/XX/XXXX I contacted Dietech and was told the language in the motion stated release is contingent on discharge of bankruptcy and they will not release the lien unless I was able to get the ruling revised. 

Unlike other types of bankruptcy in a Chapter XXXX there is no discharge. The plan of reorganization is confirmed by the court and the case is closed. I have had two liens that were released based on the granted motion to avoid and both of them contained the same language regarding discharge. XXXX released a junior lien on XXXX XXXX XXXX XXXX my primary residence and Real Time Resolutions released a junior lien on XXXX XXXX XXXX. 

Dietech is the only lien holder who refuses to honor the motion to avoid. I believe that Dietech is attempting to force me to go back to Court and re-open the case to amend the order. Dietech knows this will be expensive and cause damage to my credit. 

Attached are copies of the following documents : 1. Bankruptcy Order to Close 2. Motion to Avoid Liens 3. Letter from Dietech regarding lien 4. Re-conveyance from XXXX 5. Re-conveyance from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: LA
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:
OnXX/XX/XXXX I mailed out disputes to XXXX, XXXX and equifax in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I receivedXX/XX/XXXX was a generic letter telling me to contact the creditor from equifax, XXXX removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my free annual credit report 2 years ago and noticed fraudulent activity from SYNCB/SAMS I have tried numerous times to get this fraudulent account removed with no response or verification from this company for the last 2 years.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 disputed information on my credit reports regarding a late payment to XXXX that was caused by identity fraud. It came back as verified. On XX/XX/19 I demanded verification of the method used during the investigation. Instead they sent me a letter saying that the information no longer appeared, when in fact it does.

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 2017-08-23
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: Account information incorrect

Complaint:
This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

XXXX XXXX responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement XXXX XXXX provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my XXXX XXXX accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request XXXX XXXX update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.

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 2019-12-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
AMER HONDA XXXX Date OpenedXXXX Balance : {$0.00}, AM HONDA FIN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2019-12-27
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief