BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have this mortgage with Shellpoint Mortgage Servicing I ask them for loan modification. when I call them. they said that they will make my loan late but is will reversed once the modification was done. All was over the phone but when all was done they did not honor that. 
But I notice that on my credit report show XXXX 120 days late payments but the month has only 30 days. 
( see included copy of the account ) and one month they report late on XXXX credit bureaus and XXXX current. Once again 120 days. when is only 30 days on a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EdFinancial Services
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to finance a car and my credit report says i have student loans from the college XXXX. I have never lived in XXXX. And i never went to college. I have lived in XXXX all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I fell behind on payments back in XXXX/XX/XX/XXXX, and I made the payment needed to keep my car from getting repoed. I called while at work one morning, I took a break, spoke to one of the representatives, she told me the amount needed to keep my car from getting repoed, so I paid it. I went out to my car around lunch time, @ XXXX, and my car was gone. I called the company back, spoke to the same person, and she said she never called the repo company to let them know I made a payment, " it wasn't her job to inform them ''. So I made a payment for no reason, and my car was repoed anyway. She then said I needed to make another larger payment to get my car payments current to get my car back from the repo company. I was already down on my luck, having a hard time paying due to an 80 % reduction in my current pay. So, I had to borrow money from my parents to get my car back. Then the agent told me I had to pay a fee to the repo company to get my car out. This is now 3 different payments, when I had already made the first one to bring everything current prior to my car being towed. I told her I had no more money, and couldn't borrow anymore money. She " worked '' with the tow company, and added the fees to the end of my loan. She said my loan was brought current, and I would have to pay the repo fees at the end of my loan. I've asked for years to get everything in writing broken down, and I finally got it about 6 months ago. After the agent said everything was brought current, she lied again, because Flagship kept charging me late fees, and reporting to the credit bureau that my loan was late/behind on payments. They had the amount I owed completely wrong, have messed up my credit report, I'm having the hardest time getting this fixed, getting my credit rating fixed, and getting the amount due corrected so I can get the title to my car. The loan on my car has been paid-off since XX/XX/XXXX. I've asked to speak with a XXXX XXXX at Flagship to help me correct this situation, I've sent several emails, and I've never had a return email or phone call from XXXX XXXX. The agents keep ignoring everything I say or ask for, refuse to help me correct their error, and refuse to have XXXX XXXX contact me. I was told by a Flagship agent on a phone call, to ask for XXXX XXXX after my loan was paid, so she could help correct the amount due and correct their error because that agent could see where the company had messed up. I've asked for the recorded phone conversations to be reviewed, and asked for a copy for myself, and nothing has happened. I need my credit fixed and I need the title to my car.

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 2016-12-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have made principle payments multiple times. Frequently, these payments have been applied to interest and future payments instead of principle. I have called repeatedly and have taken to writing PRINCIPLE on the payment slip and using highlighter pen so there ca n't be a mistake in the intent of the extra payment yet it is still not applied to the principle balance. Over and over again. The payment slip is not confusing, there is a box for Principle and this is what I use. This issue has occurred multiple times. My statements are misleading, showing very large interest payments - twice what they should be. This same mortgage company did n't pay my insurance and taxes from Escrow funds and refunded me the balance. I was the one who pointed out their error. This occurred XXXX consecutive years. I am so frustrated that I am refinancing so I do n't have to deal with them any long. Complete incompetence and repeatedly. This begs the question what else are they doing incorrectly that is n't so easy for me as a consumer to identify. Could my interest charges be inaccurate, could my balance be inaccurate ... ..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime J.H. Portfolio must cease and desist all debt collection practices. 
In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

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 2020-03-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( 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 explanation
Consumer complaint received 2020-03-15
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: Personal information incorrect

Complaint:
I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Receivables Performance Management, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am receiving collections from RPM llc, and they are stating that I owe them XXXX. I believe this account is inaccurate and erroneous and is negatively affecting my credit report. I do not have any information regarding this 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 2016-05-03
Company: ASTORIA BANK
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am asking for an investigation into the Astoria Federal Bank mortgage increases. I have attached documents for your review. I was told in XXXX that my mortgage increased because my insurance was increased. So I got another less expensive hazard insurance, submitted that and received notice of an even further ADDITIONAL increase. I feel that something is not correct. 
I have never been late on a mortgage payment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX Shellpoint Loan # XXXX XXXX XXXX has been working on a short sale since XXXX XXXX. The short sale was approved and then the mortgage servicing transferred from XXXX to Shellpoint. Since Shellpoint 's servicing of the loan, the short sale review has been mishandled. Shellpoint has delayed the review, obtained a value, countered the buyer, then took so long to complete the review that they needed a new value of the property. This cycle has gone on 3 times. We have had numerous buyers walk from this transaction because Shellpoint makes inaccurate and misleading statements and then does not follow through with them. 

Shellpoint completed their most recent appraisal in XXXX XXXX. The appraisal came in at {$360000.00}. The buyer was countered at XXXX. The buyer increased their offer to the full appraised value of XXXX. Since that time, Shellpoint ( XXXX XXXX - SPOC ) has delayed the review, not responded to calls, ignored messages sent from the customer service department, and did not provide reasonable updates on the file. Since we submitted the buyer 's increased offer of XXXX on XXXX, I have been unable to obtain an update on the review. On XXXX/XXXX/XXXX, I was advised that the SPOC XXXX had put a note on the file with a counter of XXXX which is XXXX over appraised value. I can not reach the SPOC 's manager and the escalation line provided on their website directs to the XXXX department. There is not a single person to reach out to or anyone to hold accountable for the review. It is bad business practice to counter the same buyer twice based on the same appraisal. This, again, shows that Shellpoint has no intention of working with their borrower. Extremely misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My grievance, specifically, pertains to American Express declining purchases made with my AMEX Gold card without just cause. 

I have been a member of American Express since XXXX. Specifically, in XXXX, I spent {$62000.00} using my AMEX Gold card, alone. I have no late payments documented on my account. Additionally, I have an outstanding payment history with my other credit cards, too. 

The declined charges have occurred numerous times during my membership to American Express, which are extremely inconvenient. I pay annually for the Gold card which, as I am beginning to learn, is not worth the inconveniences I encounter with declined purchases. Specifically, a purchase was declined yesterday ( XX/XX/XXXX ) which was unwarranted and placed me in an extremely difficult, embarrassing, and inconvenient situation. 

I visited a salon/spa in XXXX XXXX. At the conclusion of my appointment, I used my AMEX Gold card to make the payment, which was subsequently declined. I logged onto my account and saw that I had a XXXX balance of amount due and no delinquencies noted on my account. 

Because I only had my AMEX card with me, I had to leave the salon and walk several blocks back to my car in a parking garage, get my XXXX XXXX debit card, walk back to the salon and pay for the services at that time. 

I received a notification via e-mail of the declined payment ; when I proceeded to contact AMEX Customer Service, I was given an error message stating Our system is not responding message.

I use my AMEX Gold card as frequently as possible, as I try to earn points on purchases which are eligible for XXXX purchases. This is the last declined purchase experience I will tolerate, especially as a paying member. My FICO score recently lowered from XXXX only due to a medical procedure I took out a loan for ( which also has on-time payments ) and a new vehicle ( which also has on-time payments ). 
I will gladly close my account ( s ) and take my business elsewhere if American Express feels the need to continue to inconvenience me during purchases. 

XXXX XXXX XXXX XXXX XXXX XXXX, Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have lived in our house for 3 years and we asked Shellpoint Mortgage ( the current lien holder of our house to perform an appraisal, as we wanted to know how much equity we had in the house at current market value so that we can pay the difference to get it up to 20 % so that we no longer have to pay the PMI. The appraisal was done and we were charged XXXX The value of the appraisal was much lower than the amount on which the county was calculating our property taxes, so I asked for them to send me a copy of the appraisal so I could see where the discrepancy was. It took them nearly a month for us to receive this appraisal ( and I had to call several times to request it ). The appraisal finally came and my husband noticed that the square footage on the appraisal was XXXX, which was XXXX square feet lower than the XXXX that is on record with the county, which resulted in a valuation of our home that was {$10000.00} lower than it should have been ( assuming the same value/sq foot that the appraiser was using on the appraisal ). On XXXX XXXX, I called Shellpoint to request that the appraisal be corrected. Since then ( nearly 4 weeks ago ), I have been calling every few days to check on the status of the correction of the appraisal, and it seems things are not moving forward. They have had plenty of time to correct this straightforward error. Please help. Every month that passes that the appraisal is not corrected is costing us {$170.00} in PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have sent dispute letters to Transunion, XXXX and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from Transunion and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over 20 points.

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by XXXX XXXX and have been using it for the last 6 months. 

My current problem with the XXXX XXXX right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to XXXX XXXX to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but XXXX XXXX is not reporting it correct right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Garrison Investment Group
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/2019, I contracted with XXXX XXXX to build a deck. XXXX XXXX advised me that the deck would cost {$10000.00} and available financing through Foundation Finance. I requested an itemization from XXXX XXXX. but never received. The deck began falling apart. I advised Foundation Finance of the problems and also asked for the price of the deck. FF refused to provide this information. I tried several times to work this out with Foundation Finance who refused to assist and instead continued to request payment. Finally it became useless. 
I just discovered that the deck actually cost {$2500.00} instead of {$10000.00}. I believe FF was a part of this scam with the contractor as FF refused to look into this matter further. Due to this major scam and discrepancy, I am left paying for a deck that is only worth {$2500.00}. The finance charges will cost the loan to double which is certainly due to fraud.

Company response to consumer: Closed with explanation