BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
This is a follow up to CFPB Case number : XXXX. I have recently the house in that case at XXXX XXXX XXXX, XXXX, XXXX XXXX. I overpaid the lien holders, XXXX XXXX/SLS, by approximately {$300000.00} and they ignored my written inquiries during the closing process to settle the matter. I only received {$25000.00} at the time of closing and am expected to pay estimated taxes of between {$160000.00} to {$200000.00} to the State of XXXX next year after consulting my accountant. The original loan amount was {$520000.00}, and they walked off with XXXX. I expect to declare chapter XXXX as a result of their usury, predatory lending and blatant fraud. I should have walked away from the property and let it be sold at sheriff sale, then I would not be facing bankruptcy and excessive taxes for monies XXXX and SLS took from me. If it were to be sold at sheriff sale, they would have received less than the $ XXXX, instead, they walked off with, after taxes and insurances, more than $ XXXX of predatory interest and excessive fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: PARKSIDE LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account Number XXXX Knowledgeable employee of Parkside Lending : XXXX XXXX Loan Servicing Specialist Parkside Lending, LLC- NMLS # XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX http : //www.parksidelending.com Phone : ( XXXX ) XXXX eFax : XXXX Email : XXXX http : //www.parksidelending.com Team Email : XXXX Corporate office address : XXXX XXXX XXXX XXXX, NJ XXXX Initiation of inclusion of property taxes in mortgage loan XX/XX/XXXX. All property taxes paid directly to Treasurer / Tax Collector summary showing XXXX owed on my property taxes as of the date XX/XX/XXXX This is immediately preceding Parkside Lending withholding property taxes in an escrow account. I believe Parkside to be incorrect on 2 areas : 1 ) Parkside never properly began my beginning balance with a XXXX  balance.

2 ) Parkside is attempting to collect {$18000.00}. for an escrow account that only totals XXXX. 
3 ) Parkside is illegally forcing me into foreclosure by not accepting my XXXX payment for the last two months.

4 ) Parkside is illegally charging late fees on amounts I have not been late on payments.

Loan payment schedule determined by Parkside Lending as follows : Original mortgage payment, not including property taxes {$2300.00}. 

In XXXX, I requested an escrow account be set up on my behalf. At this time, Parkside Lending increased my payment to include property taxes to {$3100.00}. This allows {$830.00} to accumulate each month and be placed into an escrow account for Parkside Lending to pay my property taxes two times per year. This monthly amount totals {$10000.00} annually and my annual tax bill is {$10000.00}. 

I paid ( on time every month since inception of escrow account {$3100.00}. In XX/XX/XXXX, I received an increased mortgage payment ( includes mortgage, property taxes and escrow shortage account ) for {$3800.00}. I immediately contacted Parkside Lending and have received the run around for 4 months to no avail.

How can a mortgage Lender be allowed to increase a homeowner payment from {$2300.00} to XXXX = an increase of {$1500.00} per month? When this does not total the property taxes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: Caliber Home Loans, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I trust this letter finds you well. I am writing to you as a valued customer to address a matter of concern regarding the late payments recorded on my account. I have recently noticed that there have been late payments recorded on my account. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with CALIBER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the CALIBER customer service representative. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Credit reporting 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:
On XXXX XXXX New American Funding ran an unauthorized XXXX hard inquiry causing my credit score to drop this affecting my mortgage approval odds

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual. 

She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone. 

As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.

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 2016-02-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan got transferred to Specialized Loan Servicing LLC and we are making our monthly payments consisting of principal, interest and escrow. The escrow balance was forwarded from previous lender but starting XXXX last year our required flood insurance was not paid by SLS even we send a fax asking for payment. And that was at the height of the hurricane season with the house in hurricane capital XXXX Florida. Fearing the lapse of coverage we paid the insurance premium directly and asked SLS to reimburse us out of the escrow balance. All these faxes remained unanswered. Now we received a letter from our homeowners insurance that the premium has not been paid by the lender leaving our primary residence uninsured. Seeing this pattern from SLS we checked to see if our property taxes which where due XXXX 2015 where paid to find out these have not been paid either. We requested a payment history and found on the history that payments where moved around to various accounts within SLS but never applied as intended. The payment history is so distorded by transferring monies around that it makes me very worried about the correctness. Over {$8000.00} of principal balance which was paid by us for insurance and taxes where applied to future interest and principal payments and even booked as suspended balances. Phone calls to clarify the account lasted hours at a time being on hold and transferred and disconnected without even talking to a person in charge. This ca n't be that a lender misuses funds entrusted to them to pay the homeowners liability as per loan agreement. This is borderline fraud.

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 2015-08-14
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Nationwide Recovery Systems is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the accounts ( # XXXX and # XXXX ) were unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Nationwide Recovery Systems did not report the deletion of the XXXX accounts to XXXX, the other consumer reporting agency that it reported the accounts to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: OH
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:
I submitted a letter to the 3 Credit Bureaus to update 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, and I'm including it again. 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 2023-06-19
Company: SYNCHRONY FINANCIAL
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 reviewed my credit report and it shows 3 hard inquiries that Im currently unaware of. Ive attempted to get in contact with creditors regarding matters but have been unsuccessful.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a pre approval credit card from Chase via XXXX XXXX as my scores are in a good position. I then applied but was denied because of a XXXX yr old bankruptcy. My issues are that this credit app. caused my credit score to be decreased by several points as it is an inquiry on my report. Moreover, I should have been warned prior to applying that a bankruptcy credit app would be discriminated against. I now seek your help in getting this inquiry removed from all 3 of my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
JPMORGAN CHASE BANK CLOSED MY SAVINGS ACCOUNT SO THEY WOULDN'T HAVE TO PAY THE NEW ACCOUNT BONUS THAT I WOULD HAVE GOTTEN FOR HAVING {$15000.00} DEPOSITED. BOTH OF THE LOCAL BRANCH EMPLOYEES DIDN'T KNOW WHY THE BANK CLOSED MY ACCOUNT, WHEN THEY BOTH ADMITTED I HAD DONE EVERYTHING CORRECTLY AND THAT WAS NEEDED. 

THEY SIMPLY BLOCKED MY ONLINE ACCESS AND THEN TOOK SEVERAL WEEKS TO REFUND MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX, XXXX and Transunion, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$800.00} from Castle Payday loans on XXXX XXXX, 2015. They have taken payments out of my bank account equal to {$1600.00}. and continue to try to debit my bank account {$400.00} twice a month. I am on social security and my bank account continues to be overdrawn because of them trying to take my money out. As soon as my SS check goes into my account each month I have to draw it out and pay my mortgage and utilities to keep them from taking it. I have had a nervous breakdown and I ca n't take this stress, I ca n't talk to them on the phone because i ca n't understand what they are saying and I do n't know how to stop them from taking my money. they are calling me all day long and leaving messages on my voice mail and I ca n't talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
BOA card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there. 
I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 non-monetary relief
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a P, O, Box in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX doctor  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.

Company response to consumer: Closed with non-monetary relief