BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX or XXXX of 2021 we made one of our initial contacts with Shellpoint Mortgage. Here we were contemplating being able to opt out of the forbearance option that we had initiated with XXXX XXXX. When attempting to figure out the reason behind an increase in our payments, Shellpoints agents advised us that the they did not show payments that matched what our statements did, and that the statements they were sending us were incorrect. In addition, there was a discrepancy about a XXXX credit on our escrow. When asked what the payments were in case we decided to make them, the agents could not tell us. Without the information we decided to proceed the forbearance ; at the same time Shellpoint was telling us encouraging us not to make payments, and telling us it would not effect or credit. Later last year we decided to go on a payment plan for three months so we could then modify our loan. Shellpoint gave us a trial payment plan for XXXX, XXXX and XXXX We found during that time that Shellpoint has been reporting our delinquency to credit, began the foreclosure process even though they have denied or avoided the question on several occasions and that the XXXX escrow credit is now a deficiency which now has to be integrated back into our loan. Generally I would take my business elsewhere, but the impact of my credit prohibits that and other options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mailed full payment for XXXX XXXX. We mailed it XXXX XXXX and they called XXXX XXXX claiming never received it. 
This has happened again for XXXX of XXXX, so we call to ask for assistance and unable to get customer service representative to speak to. I went online to make payment electronicly. I payed XXXX XXXX along with late charges and {$10.00} fee to pay online. I also made XXXX XXXX payment electronicly at same time but had to wait 12 hours for fist transaction to go thru. After patiently making second payment for XXXX and paying another {$10.00} fee it showed payment made as of XX/XX/XXXX. I do have a copy showing proof. Now it 's XXXX XXXX and the money never come out of out account and I depose I will be asked to pay another late fees. Please help me. I feel abused and very frustrated. I have always paid my bills ahead of time and this " Loancare '' lending service is destroying my perfect record. This is not fair, and if I can be part of a lawsuit against them please count me in. I will start a lawsuit if they do n't fix this immediately. Thank You- XXXX XXXX in Wisconsin 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 2018-05-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank was contacted on XX/XX/2018 about 3 unauthorized purchases. They " researched '' the charges and then decided they didn't have to honor the card holder agreement. The purchases were not authorized and not made by me and the card was not in my possession at the time of the charges. I am not liable for them per my card holder agreement. They need to honor the card holder agreement. 
Contacting FDIC, AZ state board at this time and county attorney 's office in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
61 hard inquiries on my equifax credit report I have disputed with equifax and with companies who inquired neither are taking matter seriously I dispute these inquiries using there online method and it processes the dispute and closes the dispute all in same day. They arent even investigating the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
I have been sending multiple written requests addressed to the Credit Bureaus for them to conduct an investigation and have the disputed items removed from my Credit File and the last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. But despite all my efforts to attempt the removal of the fraudulent information from my Credit Report, the Credit Bureaus did not paid attention to my disputes. The Credit Bureaus had clearly violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information that the Consumer considers as items resulting from an Identity Theft. I an disappointed to see that the Credit Bureaus are not only ignoring my letters but also violated a Federal law. Though it tempts me to pursue legal actions and sue the Credit Bureaus for the actual damages done, I will be giving the Credit Bureaus one more chance to correct my Credit Report by removing the following disputed items : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX I requested Experian investigate all 4 Dept of Education/XXXX accounts. Each account has an account number of XXXX. According to my credit report that I received directly from Experian, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. 

This is a violation of the FCRA.

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 2017-09-04
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.

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: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Experian Information Solutions Inc.
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:
EXPERIAN Refused To Removed 2 Accounts From XXXX XXXX XXXX That on my credit report that should not be there. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report. 





XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Past due 180 days Status Updated XX/XX/XXXX Balance {$5100.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$690.00} High Balance {$5100.00} Monthly Payment {$100.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Now redeemed, was a repossession Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$570.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$39000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER

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 2017-09-05
Company: Colony Brands, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I originally had an issue back in XXXX 2017. I had to file a better business bureau complaint which ca n't be pulled up since time frame has passed. It has been fine but now once again same exact issue. I make my payment, I get a confirmation page saying payment went through, funds were available for them to take and they even sent an email stating your payment has been received. The following months bill says I am late and then they added a late fee. Unfortunately I am in such a financial bind that I pay on a credit card then I make my payment with them. I figured out back in XX/XX/XXXX which card it was and they never attempted to even charge my credit card. Last time I paid it and I believe they waived the late fee. They caused me to even go over my credit limit back then and yet again they are doing it to me. I even take a picture of the confirmation page stating thank you for your payment. At this point I want my account closed with a {$0.00} balance.somehow it seems to me that this company is trying to do something shady. They do n't even report to reporting agencies except if you are late or do n't pay. If I would have known it was building my credit like a XXXX account I would have never opened it to begin with and now this, they had there one free chance with me and still had to put a complaint back then with the better business bureau and was n't resolved completely and still obviously has n't. They do n't even contact you after sending email stating received payment advising that payment did n't go through or had a system issue. No contact at all. Also I would request that you earn consumers about this company as I feel they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never done business with XXXX XXXX, and do not owe them a dime for cellular services. I've never been notified of an outstanding debt from Convergent, and they have never responded to my repeated attempts to have them validate the debt. It is disheartening that this company and others are allowed to violate the FCRA continually, and they do so without repercussion from the CFPB.

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 2017-09-05
Company: SYNCHRONY FINANCIAL
State: TX
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:
I used care credit which was purchased by SYNCB. I used the card with a XXXX  .I was told that the clinic was a member of my health network .I agreed to pay for a XXXX with a charge of about 1200.Before the XXXX arrived I found out that the XXXX office was not in my network and the price was almost twice as much.I contacted them to cancel. I explain that the price was too much and that I would use my benefits within Network. I went to an In network XXXX and paid 700 to 800. I contacted them by phone and in person before the XXXX arrived. I tried to convince them to return the XXXX which could be broken down.I do n't want to pay for a service/product that I did not receive. Had they been honest in the beginning and told me that they were not in my network..I would never have agreed to purchase the XXXX.
SYNCB made a minimal effort to contact the XXXX clinic. Basically I was told to work something out with the XXXX clinic..
SYNCB also on a monthly basis makes an average of 5 /4 inquiries a month every month on my credit report which seems to be excessive.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted transunion, XXXX and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.

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 2016-09-07
Company: Longbridge Financial, LLC
State: MS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a reverse mortgage in XXXX 2016 with Longbridge Financial LLC. They sold the mortgage to XXXX XXXX XXXX XXXX. On the hello-goodbye letter the number for Longbridge is a non-working number ( XXXX ) and when I contact XXXX XXXX XXXX XXXX at the number listed XXXX they say they do not service Reverse Mortgages. I looked up the number for them online XXXX and they informed me they do not handle reverse mortgages as well. The option I took was a line of credit, so of course no one can direct me where to get a draw or who to contact.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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 explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MD
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 is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}

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 explanation
Consumer complaint received 2022-10-03
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX - {$250.00} sent to account as I was scammed that my account was in a holding position. I would like the {$250.00} returned to me by the banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was a student at XXXX XXXX XXXX.before they changed the name to XXXX in XXXX Fl the school had falsely advertised being able to transfer your credits and would assist with job placement. Unfortunately while i was there not only did i find out through going to an internship program that the school was not accredited and through XXXX XXXX XXXX who advised they would not accept any of the credits but throughout all of this horrific experience not only did i waste my time but everything came to a sudden end when the schools Dean was convicted on embellishment charges. everything came to an end and the school had closed down. So all the students left with nothing no graduation no confirmation to what we should do because I could not transfer any where because no other schools would accept or take any of the bogus credits. i regret ever going to this school if only i had known the true outcome because now they keep charging me to pay all of these fees and i have been dealing with serious health issues from XXXX XXXX XXXX XXXX which at times i cant walk and XXXX in my hands including XXXX. I have been in and out of hospitals for years and have not been able to work i am struggling have dealt with evictions had to get help from XXXX XXXX who paid my rent if they people in the church are not helping me i receive food stamps as well. they never offer a way to just pay what i owed when i was in the school i never went to XXXX i was shocked when they reopen under a different name. i am being overly charged all these rates and i do not know what to do they call every day early in the morning late at night on the weekends its insane and i never gained the education i thought i would jut an over exaggerated bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.

Company response to consumer: Closed with explanation