BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is under a modification agreement which has not been honored by SPS, Inc.

Based on the Home Affordable Modificationn Agreement, ( HAM ), signed XX/XX/XXXX, the Unpaid Principal Balance was {$230000.00} and {$120000.00} of that balance was to be deferred ( DPB ). The DPB was to be forgiven in 3 forgiveness installments ; 1st forgiveness, XXXX, XXXX ; 2nd forgiveness, XXXX, XXXX and the 3rd and final on XXXX, XXXX. The forgiveness was set at {$42000.00} per installment. All payments, as required, were made in a timely manner and in full compliance. The DPB should have been cleared ; completely forgiven XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX ( prior servicer for XXXX XXXX XXXX ) processed the 1st DPB on XX/XX/XXXX, reducing the DPB to {$85000.00}. SPS transaction records show that with the transfer to SPS in XX/XX/XXXX, there were 4 payments provided and XXXX, XXXX, 4 more payments provided. These payments satisfied the requirements for the 2nd forgiveness! Additionally, {$4400.00} and {$1500.00} was posted XXXX and XX/XX/XXXX, which paid the account through XX/XX/XXXX when the 3rd and final forgiveness should have posted. Only the principal balance should have been remaining! Transaction records provided by SPS prove this, yet SPS will not post the 2nd and 3rd forgiveness that is due. The payments were received as transfers to SPS from the prior servicing carrier. SPS actually issued the DPB forgiveness XX/XX/XXXX ; {$85000.00} and then reversed the transaction. When questioned about it, SPS would never provide a reason for the reversal! All terms of the HAM were complied with, all payments made. The change of servicing carriers is not a reason to not honor the terms of the HAM nor process the forgiveness as stipulated in the HAM. 
Numerous inquiries, calls and letters have been sent to SPS to honor the terms of the HAM and forgiveness. Records, charts, graphs-all complied from transaction records provided by SPS have been presented to them and I receive no answers. SPS choses to not address the forgiveness ; instead they continually offer a modification agreement for signature-which they have acknowledged through their legal department, would make the forgiveness terms of my original HAM null and void. This lack of action on the part of SPS, is at the least unethical and certainly justification for a thorough investigation of their practices in handling home loans! Documentation of all payments, charts and graphs and other information sent to SPS with my continued inquiries, is all attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Regarding a Target store credit card : We had accidentally entered the wrong information for our bank account for the automatic bill pay function on our Target credit card. This caused two of our payments ( XXXX in XXXX, XXXX in XXXX ) to get returned. We corrected our bank information later in XXXX and paid off the card balance in full, but then after we paid the full balance, Target closed our credit card account without warning and will not reopen it. 
We spoke with a Target Redcard representative named XXXX on XX/XX/2023 between approximately XXXX - XXXX XXXX  ET regarding the issue. She told us Target can not reopen our card, and this will now unfairly affect our credit score due to lowering our total available credit and raising our utilization ratio. We also can not open another Target credit card without it negatively affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of Identity theft my information was found on the dark web, XXXX data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.

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 2021-06-24
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created a Coinbase account on XX/XX/2021 and invested {$1500.00} since XX/XX/2021 I have been unable to access my account or money. 
I have submitted several tickets for help which have only been responded by an automated system. My account remains suspended without any communication as to why. Besides the initial investment, I did not attempt any withdrawals or any other transactions on this account. The app is showing a connection issue but the website says it has been temporarily disabled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXX XXXX  XXXX Balance : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Tried to get a loan approved through XXXX XXXX XXXX XXXX in Oklahoma. Loan got approved for a 2023 XXXX XXXX, XX/XX/2023. Didnt have any issues with the loan since the day we were there but a week or so ago the finance manager from the dealership started harrasing us for a paycheck and a paystub from my employer. Gave them all the information and no issues. Few days go by and more harrasment from this financial manager asking for employement verification. Told him that I couldnt get ahold of my manager/supervisor since I work off shift. He kept calling and texting us for a few more days. Last call he made I told him that I wasnt satisfied with their customer service and wanted to give back the car and stop the deal from happening. XX/XX/2023, me and my husband decided to head back to the dealership and talked to another manager to sort things out. No manager was available so we left. Went back today XX/XX/XXXX and a guy named XXXX said that the loaned got approved but refused to show any evidence. We called the financial institution and they didnt have any information on their system stating that the loan was approved. He then left the office to go get a finance person. Came back and nobody from finance came into the office to talk to us and XXXX kept being very condescending about the situation and even congratulate us, in a sarcastic manner, on being owners of the vehicle. He even told us that if we left the car it was getting repossessed. Then he proceeded to say Im done here and left the office and left us. After that, we stood up and left the car with the keys in that office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: First Credit Services 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: Reporting company used your report improperly

Complaint:
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts were open as a result of Identity theft in my name without my consent nor my knowledge. These Credit Bureau is failing to delete these items and block these accounts. Theses Credit reporting agencies is failing to comply with federal laws.

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 2023-07-31
Company: Experian Information Solutions 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:
Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts 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 explanation
Consumer complaint received 2019-10-15
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: Information belongs to someone else

Complaint:
I am requiring to remove wrong account XXXX/XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in 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 2023-07-31
Company: Experian Information Solutions Inc.
State: WI
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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-02
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice from CMRE Financial Services , inc for a clinic visit to XXXX XXXX XXXX on XX/XX/22. XXXX XXXX XXXX had never called, sent an invoice or any correspondence regarding this visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from XXXX XXXX  for cable service and a XXXX device in my Mom 's name in XXXX or XXXX of XXXX. My mother who died in XXXX of XXXX. There's no way she could have or would have ordered cable service even when she was alive. Now I'm receiving a debt collection notice from Amsher Collections Service in My Mom 's name. The original charter bill had no way to contact them. No email. No Phone Number. ( Can you say scam? ) I don't appreciate it that an employee at XXXX has accessed a list of deceased people to most likely get commission credit for completing sales. I know I don't owe the debt because it is not in my name, but it is very disturbing to continue to receive bills and now dunning notices in your deceased parent 's name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requiring to remove wrong account XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in 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 explanation
Consumer complaint received 2022-04-19
Company: HUNTINGTON NATIONAL BANK, THE
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:
HUNTINGTON NATIONAL BANK XXXX This account has always been paid on time. Proof of payments from XXXX XXXX XXXX have been submitted and have been ignored. I need my payment history fixed right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal student loans are now managed by MOHELA. During the pandemic I put about {$36000.00} on my loans. I then realized since I am in PSLF I do not need to do this, and I took advantage of the COVID student loan payment refund prior to XX/XX/2023. I did receive confirmation from MOHELA this was submitted and approved. In about 2-3 weeks my loan balance went back up to where it was prior to these payments.

I then asked for information on when I would receive the refund and for how much exactly. I was told twice they can not give me the refund amount and that since U.S. Treasury handles refunds, they can not give me more information. I tried to find contact information for Treasury regarding this issue, and could not. I am a federal employee and am familiar with navigating government, and I could not find anything to help. I asked MOHELA again and they answered my question with nonsense that made it clear the person did not read my question- they said I was past the cutoff, but I had already been approved and was asking about the status ( this message is attached ).

I messaged again and asked for contact information and I have been ignored since. I tried to call but the wait times are so long I can't get through. I now have about {$36000.00} floating around for the last 3 months with no way to track it, know the exact refund amount, or contact anyone to check the status. This is insanely unacceptable and scary - MOHELA was able to increase my balance instantly but refuses to provide me with information or a third party contact to track this refund. This is money I could put into the economy and it is essentially being held hostage with no ransom information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for tax exemption in XX/XX/2022, retroactively, the extra money that was paid for tax hasn't been returned to me. 

I caught XXXX in XX/XX/2022. I requested a forbearance due to other medical issues with me and my XXXX XXXX kids. Royal Pacific offered forbearance program. I was told this verbally that I could request forbearance and that I could call back and request to pay what I missed at the end of my loan.. This was explained to me over the phone with my wife. I was told verbally ( with my wife next to me ) by Royal Pacific to ignore correspondence regarding the program ( I don't remember the name but it would require me to raise my interest on my loan ). They told me to ignore the bills they gave me. When I called them back they informed me that the VA doesn't allow partial payments and that I would have to have all of it due which is XXXX dollars ( figure is an estimations don't have the paper in front of me at this time typing this ). I missed XXXX payment due to Medical issues, which I planed on making up on XX/XX/XXXX. They are now sending collection letters for the XXXX even though a person reached out to me to sign up for the CA COVID-19 financial program. Her name is XXXX XXXX and she left a message on my phone. I did this but Royal Pacific won't even wait, they keep sending me threading letters about collections, they verbally deceived me about the forbearance program Royal Pacific Offers. I have had to call them ( Royal Pacific Funding Corp ) numerous times to find out what is happening with my loan. Nobody has called me back about this. I called Royal Pacific on XX/XX/XXXX and asked someone to call me and nobody did. This has happened numerous time since Royal Pacific has administered my loan. I am a XXXX veteran and I am in danger of losing my home. They are understaffed ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered 2 accounts placed on my credit report that are showing as Closed, Late, Charge Offs, both with incomplete account numbers from XX/XX/XXXX and XX/XX/XXXX respectively. XXXX XXXX acct XXXX Opened in XX/XX/XXXX Closed in XX/XX/XXXX and Applied Bank Acct # XXXX Opened in XX/XX/XXXX and Closed in XX/XX/XXXX. I have disputed these accounts as unverifiable and requested supporting documentation according to the XXXX XXXX Compliance and to obtain validating proof from the creditor showing a signed contractual agreement bearing my signature. I have also contacted the creditors via certified mail requesting the same information and have yet to receive the requested validation. This is a violation of the FCRA and FDCPA and Experian is allowing this to continue after over 10 months of requesting validation.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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