BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Hardship Letter 1 of 2 Im writing this letter in response to the encounters Ive received in maintaining my home, I've been in my home XXXX  years, but with Select Portfolio Servicing for over XXXX of those years. Ive always let it be known that my intentions are to keep my home. Ive been going through a financial hardship since XXXX, I had XXXX and I work with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that oftentimes pass unexpectedly from XXXX. After being out of work for XXXX years. Ive been trying to get back on my feet. I work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this season of XXXX, oftentimes my clients do not make it, leaving me in a position of not having clients to care for. 
Fortunately, I have since added another XXXX agency to my current work load to help me further meet my financial obligations. I paid {$5000.00} in XX/XX/XXXX, letting it be known that my intentions are to keep my home. I started working the second XXXX job, I came up with more money. On XX/XX/XXXX, I went into the SPS portal to make my payments and could not do so. I called SPS Customer Service they said I had been referred over to legal. I was told to put in for a Request for Mortgage Assistance Application and they would get back with me. 
In the meantime I received a letter from SPS Attorney XXXX XXXX XXXXXXXX XXXX  : Reference # asking me to confirm my debt in the amount of XXXX XXXXmy principal amount is {$260000.00} a difference of {$19000.00}. The Letter also states they want this entire amount. I do not have an entire amount of {$280000.00}. This amount is also inflated by almost {$20000.00}. 
I also received a call from XXXX XXXX XXXX policy # they received a letter from SPS on XX/XX/XXXX stating they have initiated a foreclosure. 

I have gotten back on track I can pay for the months that I am behind and not lose my home. My payments are XXXX, I would need to pay XXXX, to bring my account current and reinstate my loan. I have kindly requested that SPS accept my previous arrears, so that I may continue to own my home as I have done for the last XXXX years. I am trying to work and pay the mortgage off so Im not faced with a foreclosure. 

As such, I dont understand why SPS is so eager to take my home, contacting foreclosure attorneys and my home owners insurance company creating undo stress for someone trying to save their home. I now need your help getting my loan modified, AND The Loan Servicer not to inflate my loan by {$20000.00} so I will not lose my home. 


I have attached the Insurance and Attorney Letters for your review. 










Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Block, Inc.
State: OR
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've attached a photo of a stolen card issued by Square/Cash App that my friend living in XXXX has found on a Telegram channel ( or similar - forgot if he specified ), and asked if I could report it to Square given that a random person 's payment card information is now on the Internet randomly. 

Square responded first sounding very confused, asking who's card it is and what country I'm in. They eventually told me they don't have a system to resolve this ... ( also, they assumed the cardholder 's name is my name ) The email conversation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Diversified Consultants, Inc.
State: TN
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:
This company is not operating under the guidelines of the FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter or any communication with them before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company 's business practices as well. Diversified Consultants , inc . VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
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:
I disputed with this company a month ago and their information came back verified. But I stated then that I was a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number for compensation for damages done to my credit and my whole life. 
I request that this fraudulent information and accounts and addresses used for fraudulent activities be deleted for my report immediately!!

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 2021-01-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BARCLAYS BANK DELAWARE credit card services closed my credit card for no reason. 
They claim that have sent letter to me in. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the BARCLAYS BANK DELAWARE terms etc. 

Never had a late payment pay all my bills on time. I've been with BARCLAYS BANK DELAWARE bank since 2017. I have not received any letter from them. I have BARCLAYS BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act. 

1.BARCLAYS BANK DELAWARE has violated my rights to Safety, by closing available credit line I had at my disposal for no reason, 2.BARCLAYS BANK DELAWARE has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern. 

3.BARCLAYS BANK DELAWARE has violated my right to information, by not sending the communication in all available methods. 

4. BARCLAYS BANK DELAWARE has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus

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 2023-07-05
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
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: Was not notified of investigation status or results

Complaint:
I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to Transunion, Delivered XX/XX/XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX TU Tracking : XXXX XX/XX/XXXX XXXX  Tracking : 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 2021-04-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EQUIFAX IS REPORTING A MEDICAL BILL ON MY CREDIT. THEY ARE NOT REPORTING WHO THE COLLECTION AGANCY IS. THEY HAVE NO NAME LISTED FOR THE CREDITOR TOO. I HAVE MAILED OUT SEVERAL LETTERS ASKING FOR THIS ACCOUNT TO BE REMOVED. THEY REFUSE TO MAKE THE CHANGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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:
I am writing to express my deep concern and frustration regarding the multiple collections accounts on my credit report with XXXX XXXX XXXX. I disagree with the prior investigation done by the bureau, and I have serious doubts about the accuracy and legitimacy of these collections. 

I was not provided with any information on how my debt was validated, who validated it, the original contract, and the services provided. As a consumer, I have the right to be informed of these details, and I have not received any information regarding them. This lack of transparency and communication is unacceptable and violates my rights as a consumer. 

Furthermore, I am extremely concerned that these collections have been verified and validated to ensure that every piece of information is 100 % accurate. It is essential that these collections are thoroughly verified and validated, and I have doubts that this process has been carried out as it should be. I am worried that my credit report has been negatively impacted by inaccurate and illegitimate information, which can have severe consequences for my financial future. 

Therefore, I demand that these collections be removed from my credit reporting immediately and that my rights be protected. I am willing to cooperate with any further investigation to prove my innocence and clear my credit report. It is imperative that XXXX XXXX XXXX takes appropriate action to resolve this matter and ensure that all information on my credit report is accurate and legitimate. 

In conclusion, I am extremely disappointed with the way XXXX XXXX XXXX  has handled this matter, and I urge you to take immediate action to remedy the situation. I look forward to hearing from you soon. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-01-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Send them numerous letters to show proof that I owe the amount being reported, but they have refused to provide proof since XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the countless letters I have been sending addresssed to the Cedit Reporting Agencies, they have failed to properly validate the disputed accounts and continued reporting these accounts which is a clear violation of the FCRA reguylation. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personbal information such as my Driver 's license last four digits of my SSN and ptoof of billing address to confirm my identity. However, upong further inspection of my Credit report, I came to a realization that the Credit Bureaus have became ignorant of theit duty to properly report information on a consumer 's Credit File. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Reporting agencies. I need the following accounts corrected especially the accounts status and payment history of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX Please provide documentation that the Credit Bureaus description belong to my Credit report.

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 2021-01-01
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is for an alleged debt with XXXX. Originally the collection was XXXX I disputed the collection action/debt and it was removed from my credit report. 

Now obviously the debt has been sold to another collection agency who reported the debt to the credit reporting agencies. 

I have received no communication from the collection agency in regards to this debt. I have requested proof of the debt ( ie signed contract/s, copies of my identification, etc ) To date no proof has been presented for this debt. 

I filed a dispute with XXXX today XXXX and received notification today XXXX that I am responsible. What kind of investigation can be done in 2-3 hours and where is the written proof that I'm responsible for this debt. 

I have advised on numerous occasions that I am unaware of the account in question and that my identity was stolen. Still no resolution. 

If you look at my credit history I don't have any collections. I'm not financially irresponsible nor would I ignore a legitimate debt. 

This is impacting my credit and it should be removed.

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 2019-09-18
Company: ALLY FINANCIAL INC.
State: PA
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:
Ally Financial is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2023-10-28
Company: Global Lending Services LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
XX/XX/XXXX Spoke with Global Lending about my payment, the lady whom I was speaking with assured me that if I made a payment on XX/XX/XXXX and then call back to set up the next payment because it could not be set up online that everything would be fine and that the car was no even in critical stages until 90 days late the car on XX/XX/XXXX would have been 87 days late. Payment was set up for XX/XX/XXXX to be drafted for my account on XX/XX/XXXX everything was fine. XX/XX/XXXX I stop at XXXX XXXX XXXX to have my car repossessed car payment was still set up for XX/XX/XXXX nothing had changed. I sit in my car in the gas station parking lot with a third-party repossession truck until the bank opens to be told that my account had no new notes that is not my problem but your employees did not do their job. This is not the first time that Ive had dealings that were unethical by this company. I was going on about my day not realizing that I was lied to and embarrass in the parking lot of sheets where we sit for an hour until the bank open. Now Im on the hook for the repo fees. Also the two truck driver was not a normal company they used and he knew all my personal information as well as payment information. He even said this process was not appropriately handled. I had to give them {$1600.00} to get my car lowered, so I could go to work. You should not treat your consumers this way

Company response to consumer: Closed with explanation