BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: Shellpoint Partners, LLC
State: ME
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:
My mortgage is serviced by Shellpoint Mortgage. I exited forebearance XX/XX/XXXX. We were on forebearance due to XXXX, both my husband and I became XXXX  and my job was lost due to the pandemic. I recently gained full time work and we contacted Shellpoint and followed all directions to exit forebearance, modify the loan and restart our payments. I have made 2 trial payments and will complete my third trial payment in 1 week, all within 45 days, ahead of the three month schedule provided.

Shellpoint Mortgage reported my account to all credit agencies for delinquent over 30 days for the full amount of the forebearance back pay owed, {$32000.00} on XX/XX/XXXX. No mention is made in the credit report that I am in trial payments, current on trial payments and awaiting the final documents to modify loan. It does not mention that I was in forebearance due to COVID. My credit score dropped almost 100 points severely affecting my families ability to complete a refinance of the same mortgage to bring it current. I have a XXXX federally backed loan. 

I am not currently delinquent on my account and the report was not an accurate or necessary step by Shellpoint mortgage service. I contacted Shellpoint Mortgage and they sated this was allowed because they are reporting the " true '' facts of my mortgage. I asked how I could have prevented this reporting. I was told that only if I had made a lump sum payment of the total amount of forebearance and brought the account current would have prevented me from being reported delinquent on my account.

Shellpoint suggested I focus on my repayment and not my credit report in our correspondence. I have spoke with the HOPE hotline and CFB and was advised the report of delinquency on my credit report was not consistent with direction provided by XXXX XXXX to mortgage servicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Perfection Collection
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Perfection collection received a certified letter from me in   XXXX   of 2015   stating that my signature and initials were falsified by  XXXX  representative and that unless they could prove to me that the account was mine within 30 days they are not permitted to report this account to the credit bureaus. Perfection collection ignored this letter, illegally reported the {$3600.00} and have still not followed up with any communication proving my ownership of account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Brown and Joseph, Ltd
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Brown & Joseph , LLC created an email and sent it to family members telling them its for debt collection. Mass generated email of relatives and sent the bill to be paid and how to pay to rest of the family. It is a clear violation of privacy and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT 10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 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 2015-10-17
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. 
they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. 
I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. 
A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill.

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: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT 10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Residential Credit Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage services is Residential Credit Solutions. To pay the mortgage only line they charge a minimum {$5.00} fee. Not wanting to pay the fee, I am forced to mail a check every month. the last 3 months, despite mailing the payment in at least 5 days in advance each time, RCS does not process the payment until XXXX+ weeks after the payment has been mailed. They then charge a late fee for receiving the payment after the XXXX of month. They should not be charging a fee to accept an on time payment processed online thorough their website. they claim they are not a bank so there fore they have to use a XXXX party service who charges them fee and the the consumer must pay the fee. they claim they can not control the post office, but it does not take XXXX weeks for mail to arrive to a domestic location. I have now been charged {$140.00} in late fees, plus been forced to pay an addition {$10.00} in online payment fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: M&T BANK CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. 

Link used https : //obamawhitehouse.archives.gov/issues/education/higher-education/ensuring-that-student-loans-are-affordable Person XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.

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 2022-07-18
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a member with Chime bank and have been a victim of fraudulent activity. On Friday XX/XX/2022 there were 2 ATM withdrawals from my account for {$400.00} and {$120.00}, I called the bank immediately and told me they werent able to do anything at the moment due to the transactions still pending which made no sense because the funds were stolen from my account! I asked how could this happen and one representative even said scammers are duplicating cards ( an issue they seem to be aware of ) I asked what have they been doing to prevent these situations and no one was able to give me a clear understanding of how they process this all I was told was to open my dispute for them to investigate after the transactions have settled. Comes Sunday XX/XX/2022 and I open a dispute as soon as the transactions settled, a few hours later I receive an email saying my case was closed because they saw no error and came to the conclusion that the transactions were authorized, so I give them a call to state I did not agree and that something needed to be done because I was at work when these transactions were made, I did not authorize them, and I had possession of my card the whole time so how was this possible? I told them I had proof of being at work in the clock while this happened and I even sent an email of my time card. According to the representative this case is being re-investigated but honestly I dont trust or believe that. The whole company should be under investigation there is no reason why my money was easily stolen from an account I believed would be safe and secure. This is really devastating and very frustrating I hope no one else goes through this and if you bank with Chime its best you just close your account. Clearly they arent a competent bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.

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 2022-07-18
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I could write a book about the nightmare that has been this mortgage process, but I will try to keep it short and stick to that main issues. We started this process on, or about XX/XX/2022, with a target closing date of XX/XX/2022. From the start, there was a serious lack of communication from and with the lender. She/they would just ignore our texts, emails, phone calls, and questions. I found out that I needed to be out of my residence at the time by XX/XX/XXXX, so my agent attempted to move the closing to XX/XX/XXXX and, despite the urgency of that request, once again, we were simply ignored. The became their way of doing thingsunless they initiated the conversation, we were just ignored. There were numerous times that we thought we were about ready to close, then the lack of any communication would happen again, as well as the well, we need this one more thing. I was told SEVERAL times that this is the last thing that we need and we will be ready, only to get the call, or text the next day, saying, well, the underwriter/processor want this one more thing. That has gone on for weeks, now, and again, they always wait until the XXXX hour at the end of the week, when it is too late to do anything about their requests. SO, finally on Monday, XX/XX/2022, I was told we were ready to close and received the Revised Closing Disclosures. I had asked, repeatedly, what the cash to close was going to be, as it had changed several times during this process. The disclosures I received showed that amount to be {$5100.00} and change. Well, 3 days later, when we went to the closing table on Thursday, XX/XX/2022, the cash to close had increased to almost $ XXXXwithout ANY notice from the lender! We were ALL floored, except the lender, who wasnt even there. Needless to say, we didnt close and all left just blown away by the turn of events. AND, to top it all off, I logged onto my Truist account on Sunday, for other reasons, to find that I have a mortgage with Truist!!! A mortgage that I never signed for, or have property for!!! How does that happen?! So, can you see why I am extremely frustrated and done with the whole process, 2 months later???

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 monetary relief
Consumer complaint received 2017-11-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The original loan was with XXXX and then that company went bankrupt. The loan kept gaining interest and it was not communicated to me who was the owner of my loan and what was happening with my loan. I did not know who to contact. Now, XXXX is the owner but they are hard to contact because they do not list a telephone number or who their staff is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a document from XXXX  stating financial agencies that my name and social were involved with. I have no clue about this agencies. I am aware that I am a victim of identity theft. and I have no idea how to go about fixing this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.

Company response to consumer: Closed with non-monetary relief