BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: Aspen Properties Group, LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The homeowner has been trying to get a loan modification since  XXXX / XXXX / XXXX . Recently I was served a Notice of  Default  on  XXXX   XXXX ,  XXXX . The servicer  XXXX   XXXX  served the  XXXX  Notice. A trustee of Sale is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , Nevada,  XXXX .     I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I  am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial.     On  XXXX / XXXX / XXXX  A notice  of Default was file d. There is no date of sale set at this time.     Recently on  XXXX   XXXX ,  XXXX  I discovered that the previous lenders,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a  XXXX   XXXX   XXXX  on this property and reserves all rights under discovery and possible violations exist in the following :   1. Broken chain of title.
2  . No just standing  3 . Gross fragmentation of the note to  XXXX   XXXX .   The home owners  XXXX  audit produced in  XXXX   XXXX ,  XXXX  : could also show strong evidence of known robo signer participation in  XXXX  documents and more.   The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include :  Aspen G LLC ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and of course   XXXX   XXXX   XXXX  .     This CFPB complaint includes :  1 . LACK OF STANDING TO FORECLOSE ;  2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon being denied from a lender for " too many inquiries '' from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX ,   XXXX   and TransUnion that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.    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    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 2019-12-19
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The purpose of this email is to inquire about a decision that was communicated to me by the servicer of my mortgage loan. My husband and I fell upon a temporary hardship and sought the assistance of Shellpoint MTG. We were mailed information about a Modification. Our hardship was temporary however impacted our lives financially causing the mortgage to fall behind. After submitting all the necessary documents we were advised by our single point of contact : XXXX XXXX that underwriting would review and make a decision within 10-14 days. On Wednesday XX/XX/18 I received a phone call from the POC and was advised that the modification was denied. Reason : The investor ( XXXX XXXX XXXX XXXX ) does not accept Modifications. She indicated the decision was not up to shellpoint MTG but up to XXXX XXXX XXXX XXXX. In doing my research I obtained your information to contact the bank and speak to someone about the determination, only to hear a recording that indicates the investor has nothing to do with the decision to modify the loan and that the decision was up to the servicer. 
There seems to be a miscommunication or lack of understanding and I would like nothing more than to resolve this matter. Please review and assist. 

Mortgage Servicer : SHELLPOINT MTG Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX NJ XXXX Point of Contact : XXXX XXXX : XXXX Mortgage : XXXX XXXX Deed : XXXX XXXX / XXXX XXXX The property is occupied by my husband & I and our kids

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Syncrony Bank- Walmart Cre dit card charges daily interest not annual. I have had my account closed since  XXXX , My balance at that time was just under  XXXX  dollars of  XXXX   XXXX  dollar limit. It is now over  XXXX  dollars. They are charging late charges, yet my due cycle was changed to the  XXXX  of the month as soon as I opened the account because I am on  XXXX  and only get paid the  XXXX  - the  XXXX  depending on date  XXXX  falls on.   On my credit report it says never late, this month they claim I owe  XXXX  for a payment, The site for their credit report says annual percentage rate. The representative I talked to last month said it is daily on purchases, yet card was closed at my request.    XXXX  is no better, but more transparent,  Walmart  on the other hand has been awful from day  one on la ck of clarity and changing terms, due dates, and interest at their will with no agreement from me. I have filed a dispute with  XXXX  but no result as of yet.    Walmart said i t will take up to 60 days to adjust due dates ( again mind yo u )  and to get results of their erroneous interest charges on this closed account. I do not owe this amount, it is much lower, I have paid faithfully the minimum and a few times well over that when I closed the account. Balance should be approximately  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 monetary relief
Consumer complaint received 2017-04-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I am a XXXX and do most of my purchasing and credit card management on the web. In XX/XX/XXXX I made a XXXX present purchase for my daughter using HSN ( Home Shopping Network ) online using their " Flexpay '' feature of 2 payments. The credit I used was the HSN credit card which is apparently managed by Comenity Bank. Although I pay substantially in excess of the minimum due each month, which I have set up electronically, apparently there was a problem with payment # 2. At this writing, although I have available balance on this card, Comenity has sent this second payment to collection. In the past the ability to view " Flexpay '' s online has not been available but since this absurd problem started they have improved their website. That is how I come to know the issue. I spoke with HSN today multiple times and they say there is nothing they can do. Apparently Comenity has been sending emails which unfortunately I can not pick up when I am out of the country. Still the last email was XX/XX/XXXX and since I am home at present, when I use the link to attempt payment manually I still can not get this resolved and now I am being harassed by a collection agent for Comenity Bank. How can a flex payment go to collections when there is available balance on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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:
XX/XX/19. XXXX XXXX  reporter a debt to Experian in the amount of {$850.00}. Which if inaccurate. XXXX represents XXXX XXXX  . Which I had derive for 2 month and cancelled and returne my phone to them. They continue to say I owe the above amount. Which is false I have spoke to XXXX XXXX 4 times and have gotten no where which then. I have tracking of phone showing they received it etc. experian is not taking this off my report after I disputed it with my evidence

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 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has repeatedly not updated my score and continue to drop my score regarding XXXX student loans by the US Department of Education that are totaled at {$33000.00}, that are in deferment and have been since the end of last year. They consistently drop my rate with no changes in my credit report, besides only reporting NON UPDATED information. Transunion seems to consistently drop the ball out of all XXXX report agencies, as the others are more updated then them and exceed the score they currently report by over XXXX points. This is becoming a hassle and I am looking into a class action suit, as Transunion has been a consistent issue in regards to reporting my correct score.

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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I DID NOT AUTHORIZE THE INQUIRIES FROM FIFTH THIRD BANK OR XXXX THAT ARE NOW ON MY TRANSUNION CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTIONS. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRIES THAT WERE MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.

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 2017-04-20
Company: Bread Financial Holdings, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX   did not do their due diligence in researching a date of birth, finances or social security number before they opened a deferred credit account with a  XXXX   XXXX   XXXX  child who happens to have many diagnosis,  one of  which is  XXXX . After 3 months we received a past due bill for {$3300.00}. The childs parents had no knowledge of this account. When we called  XXXX  to inquire about this bill they gave me an incorrect dob and ssn which did not belong to any family member, and then they asked to speak to my  XXXX   XXXX   XXXX  son to verify his information, realizing at that point they were dealing with a  XXXX   XXXX   XXXX . I have now been mailed an afadavit which would admit that I was fraudulent which I am not. This account was opened by my  XXXX   XXXX   XXXX  on the computer using his name and a false social security number. My  XXXX   XXXX   XXXX  son has the mentality of an  XXXX   XXXX   XXXX  and did not realize what he was doing. He " thought '' he was buying and selling toy airplanes and did n't realize that money was being added up. We never received any bills until almost 4 months of transactions had taken place. We have packaged up all the merchandise which came from all over the world and would cost over {$1000.00} in shipping to re-sell and mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This i

nformation has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2019-12-19
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my Lexis Nexis full file disclosure seven separate times since XX/XX/XXXX. I went online and printed out the Lexis Nexis Full File Disclosure Form and included a copy of my NYSID with my current address and a copy of my social security card the four times I mailed the request to Lexis Nexis at their PO Box address in XXXX, GA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each of these times Lexis Nexis did not send me anything back regarding my full file disclosure request or furnish me with a copy of my full file disclosure. In addition to these four requests, I made 2 additional requests on the Official Lexis Nexis website and reveievd two separate letters back from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX reapectively under Consumer Number : XXXX, Case Number : XXXX stating that no file could be found using my correct social security number, name and date of birth. This is false considering that Lexis Nexis furnished me with a full file disclosure admin requesting now in the past on XX/XX/XXXX under case number XXXX XXXX XXXX. An email was sent to XXXX per the XX/XX/XXXX and XX/XX/XXXX responses from Lexis Nexis including an additional copy of both my SAA card and unexpired NYSID with my current address on it asking for a full file disclosure OR why a full file disclosure can not be furnished to me. 

Lexis Nexis mailed me two separate letters that I received in XX/XX/XXXX stating that my consumer report could not be found using my name and social security number even though I still have a copy of a previous full file disclosure of my consumer reports dates XX/XX/XXXX under case XXXX XXXX XXXX or case XXXX which directly contradicts the fact that Lexis Nexis is alleging that I don't have any consumer reports using my sensitive personal information when in fact I do. 

An additional full file disclosure request with a copy of my social security card and my unexpired NYSID with my current address on it was overnighted to Lexis Nexis using XXXX tracking number XXXX. I have not heard back from Lexis Nexis regarding these matters. 

A compliant with the XXXX  was also filed against Lexis Nexis for failure to provide me with a full file Disclosure ( copy of all the consumer reports they hold under my name and social security number ) under XXXX XXXX Case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
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 Account XXXX 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 but written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account XXXX 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 but 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 2022-04-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SIMM Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two years ago another collection company tried to a debt from XXXX XXXX XXXX XXXX. 
I had no knowledge of this debt so I requested validation. They were unable to validate the debt and prove it to be mine. They removed the reporting in the entirely. The debl alleged went back to XXXX so Statute of limitation would have expired. 

Now it appears that this debt was sold to Simm Associates who has illegally aged the debt to XX/XX/XXXX. They too have failed to validate the debt has not removed the reporting to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express kept {$50.00} of my money ( credit balance at the time I closed my account ) and refused to resolve the problem as described in its attached response for the sole reason that they were not able to communicate with me via the use of telephone service. It appears that American Express provides substandard level of service to consumers who are not able or otherwise have difficulties communicating via telephone service.

Company response to consumer: Closed with explanation