BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have made all our mortgage payments on time but suddenly lender started saying that we were 3 months behinds and asked us to make up at one time. We tried to talk with our lender and ask our lender to show which months mortgage was and were missing but no answers. At the same time, our lender has started to refuse our regular mortgage payments for more than 10 months up to today and we dont know how to deal with this. 

What do we need to do at this point? Do we need to go to court to resolve this issue? 

Thanks! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX and Again on XX/XX/XXXX I attempted to activate a gift card that was presented to me at my XXXX  function in XXXX of XXXX. The Card package clearly stated that the funds last forever. Sadly, that appears to be a scam. At the time I received the card I did not receive the gift receipt. The card may have been registered to the giver in error, though I question that as I was asked for info that was inside the sealed package at the time of my registration attempt. 

On XX/XX/XXXX, it took six requests to speak to a supervisor who asserted that he could do nothing. I was requested to fax information which included my Drivers license and the back of the Gift Card. I was told by XXXX that I would hear back in 3 business days. That did not happen. 

I followed up today and was told that I needed the original receipt and again I explained that the receipt may not be in existence after 3 years and after another 5 requests to speak to someone who could resolve the issue, I was transferred to XXXX who again asserted that I needed the original receipt from 3 years ago. Again, I explained that it was a gift and I have no recollection of getting it at the time. When I questioned XXXX as to whether US Bank had reached out to the person that is allegedly registered as the owner. The response was No and nor would they. It was added that they assert that perhaps I had stolen the card. I advised them to go ahead and call the XXXX XXXX XXXX XXXX. They declined then shifted to lost as the problem. Again I was told that there is no person or process that would allow for this {$100.00} gift card to be used without producing a 3 year old receipt which likely no longer exists. I would gladly reach out to potential givers, however I was told that the original receipt would be required, no exceptions.

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 2023-06-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MIDLAND CREDIT MANAGEMENT is currently reporting on all three major consumer reporting bureaus that I owe their company {$2200.00}. Reporting started on XX/XX/ and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
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, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 49358** 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 an 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 2023-10-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Loan type : XXXX Loan Term : Twenty year Fixed Date started : XX/XX/2006 Original loan amount : $ XXXX Total payment made to date lender including principal and interest $ XXXX. 
Original bank ( Bank of the West XXXX XXXXXXXX XXXX ( BMO ) Remaining principal amount $ XXXX. 

We received no electronic or physical communication concerning XXXX or amount due. Also received no official communication from either parties or not provided with a point of contact until a presumable attorney from XXXX reached out to me via served with court papers. 

Last correspondence with bank attorney after Bank of the West said the loan was still owned by them : The discussion about the $ XXXX was based on the conversation I previously shared with you, which I have on record from your client. This is the first time I'm hearing about $ XXXX. The highest amount I've seen documented was $ XXXX, and when you add the $ XXXX in interest and attorney fees, it does exceed $ XXXX. However, our intent is to have a productive conversation. I propose we set aside the legal fees and interest, bringing the amount to {$82000.00}. At this juncture, I expect the bank to engage in a meaningful negotiation. Please refrain from repeating previously sent details. We're here to negotiate, not to reiterate known figures.

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 2022-08-26
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is contacting me stating that I owe them money, the company is conducting soft and hard credit pulls, contacting me via phone and through postal mail. There is no debt owed. I do not know how the company received my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached XXXX website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
After receiving a copy of my report, I saw these INACCURATE items on my personal profile, I noticed that there are ITEMS still on my credit report which are still continuing reporting. This is disappointing because I have been disputing fraud accounts on my credit report all this time. I do'nt like what i've found. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove all the inaccurate items which are opened without my knowledge and consent. So these are the fraudulent items needs to 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
I am a natural person, I am a living being. I have rights under 15 USC 1681 Equifax is govern by 15 Use 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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 have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2023-10-15
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report through XXXX. Discovered debt with XXXX XXXX XXXXXXXX  for a Milestone credit card in 2019 that I never had possession of. The debt now shows up on credit report as Spring Oaks capital llc. Balance XXXX. I do not know where these charges came from. So I am disputing charges and debt because they are directly impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: FL
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:
I have disputed the inquiries with EQUIFAX XX/XX/2023 they replied within 24 hours that In this situation : l We request that the reporting company verify the accuracy of the information you disputed ; l We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and l We request that they send Equifax a response to your dispute and update their records and systems, as necessary. 
If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most recent status of the public record. 

I dont know how all companies were able to provide contracts in less tan 24 hour with this i can only conclude that EQUIFAX XXXX NOT ACTUALLY PERFORM a dispute. i need to have these inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Focus Holding Company
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX  : This appeared on my credit and I called the current debt collector of this   XXXX   XXXX   told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my   XXXX   credit report but not  XXXX .. If this was mine I could have filed it under my bankruptcy in  XX/XX/XXXX .. And also  XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XX/XX/XXXX  {$700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to dispute errors on my Equifax report for the past few months. And their services are very hard to work with. I am able to submit the dispute online without a problem. But when it comes time to check the status it gives me error messages stating that my information is incorrect. When I know for a fact it isn't. I contacted them directly and they stated that there is something wrong with the online portal. And I've been getting this " something is wrong '' notice since XX/XX/XXXX and we are in XXXX. But disputes I submitted came back after 28+ days and said the information was accurate when it wasn't. I don't know what my options are at this point because Equifax isn't being helpful in me getting this information removed from my report. I contacted the Credit Union and they verified the correct number that I told Equifax it was ( which is what is reported on my other 2 reports ) and I asked that they correct it right away. But I don't understand why the correction wasn't made in the first place with the dispute. 

It seems like there should be some kind of justice for them reporting the wrong information after a dispute has been filed. The creditor took my vehicle and it was not a peaceful retrieve my husband was in the car when they took the keys out and repossessed the car. They hiked my monthly payments up from {$500.00} a month to nearly $ 900 month because they added insurance. Making it impossible for me to pay. It was very predatory. When they took the car I had made 2 of the late payments and there wasn't a balance but they told me that since they took the car I would have to pay the entire loan out to get my car back. 

This has been very stressful and I just want to get everything resolved. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Select Portfolio Servicing on XX/XX/2022 to advise them of my previous telephone calls stating I would pay the escrow deficit in two payments. On XX/XX/2022 my regular mortgage payment was submitted with my online banking institute. XX/XX/2022 {$500.00} was also submitted for the specified ESCROW DEFICIT. Having spoken on XX/XX/2022 to XXXX who did not give his last name, I told him about the agreement on the payment of escrow and the previous telephone calls, I was told he knew nothing about any agreement and I then asked to speak to a supervisor, he told me none was available, I asked a supervisor could return my call, he said no, I will receive no calls from any supervisor and insisted he was the one to handle this situation and would not allow me to speak with any other person. He told me have a nice day. I told him I will contact the Consumer Financial Protection Bureau. Be advised all these call are recorded when you give permission which I did. Please listen to all the telephone calls. I am giving you permission to do so.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX XXXX is authorizing this investigation.

Company response to consumer: Closed with non-monetary relief