BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX   XXXX  my mortgage loan balance was {>= $1,000,000 }, ( m y original originated loan amount was for {$1200.00 }, ) I  was offered/granted  a Loan Modification b y   XXXX   XXXX   XXXX   ,  at a new balance of  XXXX .  ( defe rring {$350000.00}. ).     I believe there is an error in the calculation, and I would like my balance adjusted to the principal balance at time of modification of {>= $1,000,000}.     I submitted a written request to the Loan Servicing company, SPS  Select Portfolio Servicing Inc.  in  XXXX   XXXX  asking for this investigation and correction, they responded that they are governed by the modification agreement. I am asking for your assistance to help escalate this matter for me which is far greater than I am able to manage on my own. Your assistance is appreciated.     Notes :  Current Balance   XXXX   (   XXXX   XXXX   ) Deferred  Principal {$350000.00}. (  XXXX   XXXX   ) Total Statement Balance  {>= $1,000,000}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: LoanCare, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have no income, and I am having to borrow money from family members to pay my mortgage. I informed Loancare and applied for a loan modification but was denied. This company continues to call my phone with an automated voice recording to tell me to call them back on the very same number ( which makes no sense ). Why would you call me just to have a robot tell me to call back? Why even call in the first place if you don't have time to talk? I believe they are only doing this to make it seem as if they have attempted the reach the homeowner, but THEY ARE NOT. They are only having robots to call us. And when I call back, I'm put on hold ( by the robot ) forver until I finally decide to hang up. This is my THIRD complaint about them!! Just go back and review my previous compliants and also read Loancare 's reviews. 

They changed their name to XXXX to try and escape their horribile reviews but didn't bother trying to change their reupation and how they treat homeowners!

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 2018-10-21
Company: Shellpoint Partners, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XX/XX/XXXX, I contacted Sellpoint Mortgage Servicing which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated. 

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 XXXXXXXX

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 2023-04-15
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Has on collection open on XX/XX/2022 for the amount of XXXX which I never open an account the pasts months. 
I have another collection open in XX/XX/2022 for the amount of XXXX which I say again havent open any account in the past months. 
I called XXXX  and direct me to the complaint to get rid of those accounts off my credic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BSI Financial Holdings, Inc.
State: TX
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:
Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Solar Mosaic LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In the XXXX of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX. 
Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit. 
I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for? 
I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Information belongs to someone else

Complaint:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: VA
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 multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: OK
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:
I went to discount tire at address XXXX XXXX XXXX XXXX. XXXX XXXX, ok and applied to get a loan for tires. They use Synchrony bank to either approve or not approve. I was not told by dicount tire nor Synchrony they would be running a hard credit check but a month later my credit dropped heavily and it affect my other loan company 's as well XXXX would loan me up to XXXX dollars to XXXX on my auto work done at XXXX XXXX after Snchrony hard credit check now they will only approve XXXX to XXXX dollars where's before it was XXXX or more.that is fraud and wrong to be deceptive Noone said a thing about hard credit checks but this has affected my credit score in a negative way it just not right to fraud consumers and not reveal that information first.something must be done to fraudulent banks who decieve consumers like discount tire and synchrony did to me thank you for taking the time to read my story

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 2023-01-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Not a single company has responded. So I reached out to Experian, XXXX, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though XXXX on the XXXX of each of those months, and I have yet to have a formal Response Via XXXX as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted. 


( A ) In general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2023-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On the report of my open account with XXXX XXXX XXXX  credit card the balance owed is inaccurate reflecting {$53.00} owed which is amazingly right at the 10 % mark to cause a hefty decrease in my score. I have never owed that particular amount in the entire history of my accounts opening is why I am certain when the company told me they never gave a report to Equifax saying this, they were telling the truth and my monthly statement backs it up. 
On XXXX or XXXX closed XXXX  XXXX accounts Equifax reports that these accounts are Deferred and has added Remark codes to these accounts which are adversaries towards my score. 
Equifax continues to keep inaccuracies on my report to keep me disputing them month after month never allowing a real resolution and hindering my score from being where it should be and any loan or credit I am attempting to establish will never reach it's full potential.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a mattress from Macy 's in XXXX, XXXX. The mattress came with a 10 year warranty. The mattress began to fail within 6 months and by late XXXX I was no longer able to sleep on it. Macy 's sent their technician to inspect the mattress and confirmed that the mattress should be replaced. 
I confirmed with their customer service department that I was eligible for a full refund of the {$2000.00} price of the mattress. 
I went back to Macy 's and picked another mattress and confirmed again with the sales person that I could apply the {$2000.00} credit to the mattress and that the credit would be applied when the mattress was returned. The new mattress was delivered in XXXX, XXXX and the old mattress taken back to Macy 's warehouse. 

Macy 's has never applied the credit and are billing me for the balance, charging penalties and reporting my account to the credit rating companies, dropping my XXXX score. 
I have called countless times, written multiple letters and have received no response. They have acknowledged the credit is due to me but have not/will not apply it

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 2023-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a brand new credit card with Bank of America and I tried to connect my XXXX banking account to transfer money to pay towards my balance. BOA will ONLY allow you to pay online or through the app if you set up a BOA checking/savings account. This is NOT right. I should be able to pay my bill anyway I want. I can never get a human - only virtual assistant that tries to set me up for bill pay which is paying other bills with the card. This is absolutely wrong as a banking practice to force a consumer to open up an acct with fees just to pay their credit card acct.

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 2023-06-15
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX, XX/XX/2020, at XXXX XXXX, I received money ( XXXX USD ) from Translators Without Borders ( XXXX XXXX ) Through a money transfer agent known as Wise ( Transfer Wise ) with reference number XXXX XXXX. 

I went ahead and registered with Wise in order to receive my money, however, I have never received that money in my bank account. 
At first, I suspected that I might have selected the wrong bank ( XXXX bank instead of XXXX XXXX bank ). 

I reached out to Wise, however, according to their policy, they do not consult receivers rather they consult with the senders, so for the next XXXX or more months, I had to contact my money senders ( XXXX XXXX XXXX who in turn consulted with Wise. 

Wise made it clear that the transaction was completed, however, they couldn't specify on which account the money was deposited. In case if the details I entered were wrong, Wise couldn't confirm if the money would return to the sender or if the transaction failed. 

I have since reached out to anyone I could about the matter without help until I previously tried to make a complaint. 

I have all the emails and conversations with all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Constant calls to my number with various phone numbers. Including XXXX. Repeatedly every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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:
there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success

Company response to consumer: Closed with non-monetary relief