BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
See lawsuit Almanzar et al v. Select Portfolio Servicing Inc, US District Court for the Southern District which included details on the internet regarding SPS and XXXX XXXX XXXX XXXX and reported " kickbacks ''. Numerous complaints on web including with XXXX XXXX XXXX  regarding both SPS and XXXX XXXX XXXX. Numerous complaints on not receiving refunds. 

This complaint is regarding Select Portfolio Servicing Inc. and XXXX XXXX XXXX XXXX and their force-placed insurance charged to my loan on XX/XX/XXXX for {$970.00} a certificate of insurance stating issued on XX/XX/XXXX certification period showing XX/XX/XXXX and expiration date XX/XX/XXXX. 
How can this be retroactive? What actual months should such a fee cover? 

In a letter from SPS dated XX/XX/XXXX it stated " it was not a requirement for you to be escrowed at the time of servicing transfer ''. XXXX XXXX who financed my home equity loan had told me no escrow/no insurance required. My small PRINCIPAL BALANCE SHOWN ON STATEMENT DATED XX/XX/XXXX WAS IN AMOUNT OF {$330.00}. NO INTEREST REMAINING. 
Is there a percentage or formula involved in determining force-placed insurance coverage and the principal, even if in other cases when legal and ethical? 

I made another payment in XXXX. And in XXXX MARKED A PAYMENT TO BE APPLIED TO THE REMAINING PRINCIPAL BALANCE OF {$69.00}. And, as stated above, no interest due ( actually a credit shown of {$4.00} for interest. ) SPS refuses to apply to the principal and they have charged additional fees for my not making my payment in XXXX when no interest remained. Instead they since applied the {$69.00} to the extorted insurance payment. 
IS IT LEGAL FOR SPS -- TO NOT APPLY -- MY MONTHLY PAYMENT DESIGNATED FOR THE PRINCIPAL? 

I would like a copy of service transfer agreement or contract between XXXX XXXX and SPS. And a copy of the home equity loan. 
I would like to know what credentials, certificates, and licenses that the owners and companies of SPS and XXXX XXXX XXXX must have. I will include my questions to the Texas Attorney General office. 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 2023-10-06
Company: EQUIFAX, INC.
State: SC
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Solar Mosaic LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Mosiac provided a loan to me for a solar system installation. I authorized banking information process for this to start XXXX per agreement ( attached ) and instead, Mosiac immediately took money out of my account ( bank statements attached ), well before the official closing loan certificate indicated when XXXX payment was due. So I was paying for a system in which no work was completed. Then in XXXX they stopped processing the automatic payment and have not taken any additional payments. They have all of my banking information and refuse to process further payments. So they broke the terms of the loan closing agreement by processing early payments ( twice ) and then stopped processing payments. This should not be on my credit report as I setup and authorized payment information to automatically take place, which happened the first two months well before the agreed upon start date. This company took advantage of access to my banking information WELL BEFORE the agreed upon start date, and then stopped processing, and then filed a credit complaint. What did I as a consumer, do wrong here?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: MA
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 an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.

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 2023-10-06
Company: EQUIFAX, 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Sequoia Financial Services
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:
The company Sequoia financial has been charging interest on my collection to count which they acquired from the city of XXXX in 2015 my 1st issue is that they should not be reporting it on my credit report anymore due to it being over the statue of limitations for the state of California 2nd For the past 3 years I have been noticing the account has been acq Interest And from my understanding A collection company can not charge interest on a debt that they you purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
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 writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. 

I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. 

The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. 

I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. 

I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$1000.00XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2020-12-16
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Medicredit Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX  XXXX, MO XXXX. Medcredit is in violation of 8 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a Medicredit Corporation may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation or implication that any individual is a lawyer. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to MEDICREDIT to release my information. Please provide a copy of my signature with the Medicredit to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. To account is paid in full. This corresponding was sent via certified mail.

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 2023-10-16
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: RI
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 have sent a letter out the XXXX  XXXX on XX/XX/2023 asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Please be advised I paid off Bridgecrest the middle of XXXX, with a refinance from XXXX XXXX XXXX XXXX they cashed the check on XX/XX/2020 and have refused to show the account as paid in full. 

I have been contacting them to resolve this issue since XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$35.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$47.00} XXXX  XXXX Balance : {$70.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: IA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2020-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by the law.

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 2023-10-16
Company: EQUIFAX, INC.
State: NY
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 checked my credit report and found that some of the data were incorrect. The 3credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried on numerous occassions to dispute information regarding my mortgage being part of a bankruptcy as I have never filed for bankruptcy. There are 2 mortgage accounts showing up and I have only had 1 home loan. This has messed my credit up along with the rest of my life as I have not been able to be approved for credit and other positive services. The bankruptcies appear as of XX/XX/2022 and XX/XX/2022 the month that I actually sold my house.

Company response to consumer: Closed with explanation