BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing ( SPS ) made an error by turning us down for mortgage assistance ( loss mitigation ) we filed on XX/XX/2019. SPS denial letter of XX/XX/2019 ( attached ) stated that SPS reviewed ( our ) complete Assistance Review Application for eligibility under its loss mitigation options which are established through investors rules denials are based on criteria where your account did not pass program eligibility This is a violation of RESPA regulations 12CFR1024.41 because SPS did not disclose any owner/assignee/investors/guarantor rules that were used to deny us the trial or permanent loan modification. SPS full disclosure of owner/assignee/investors investor rules used of loan modification denial is required by RESPA law.

12 CFR 1024.41 ( d ) ( 1 ) RESPA regulation states : if a trial or permanent loan modification option is denied because of a requirement of an owner or assignee of a mortgage loan, the specific reasons in the notice provided to the borrower must identify the owner or assignee of the mortgage loan and the requirement that is the basis of the denial. A statement that the denial of a loan modification option is based on an investor requirement, without additional information specifically identifying the relevant investor or guarantor and the specific applicable requirement, is insufficient.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX-XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Problem with personal statement of dispute

Complaint:
Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding

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 2022-01-10
Company: MARINER FINANCE, LLC
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO

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 2017-10-15
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Modification granted ( All taxes and monies calculated ) XX/XX/XXXX- Caliber messed up escrow analaysis overcharged for payment XX/XX/XXXX- Escrow department issued a surplus credit ( {$370.00} ) XX/XX/XXXX- Escrow department states the account has a XXXX Called rep for Caliber on XX/XX/XXXX and asked why {$660.00} added to my XXXX payment and they stated in XXXX XXXX, they did an escrow analysis and I was short. So in XXXX I need to pay this mystery shortage. I asked for a supervisor because the associate was at this point not very helpful and I was told the supervisor was not available. I emailed a request for an explanation. The bank is unable to show me where this mysterious shortage came from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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: Account information incorrect

Complaint:
in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX 2018.The information is incorrect. I sold the car on XX/XX//2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

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 2019-02-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
When I checked my state of Michigan refund status 2 days ago it stated that my refund was offset by a third party and my refund went from {$1200.00} down to {$300.00}. So I contacted the state refund number and was referring to the collections who I was able to speak to yesterday XX/XX/XXXX. When I asked who was taking my refund they informed me that it would be going to Midland Funding because they were able to get a judgement from the XXXX district court in XXXX, MI back in XX/XX/XXXX. I don't know this company for one and secondly I was never notified of any lawsuit or court dates or anything necessary in order to appear in court to defend myself. I don't understand how this company can get away with this. I have filed complaints with Michigan Attorney Generals office and Michigan Tax Payer Advocate on XX/XX/XXXX. Before this I was told I could try to file a motion to set aside judgement but I may not get a court date before my refund is released to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a charge off account with XXXX XXXX as they are now calling me and asking me for my social security number for verification which I am not at all about to give to someone I do not know at all. They have no right at all to be asking me for this information as again I am refusing to provide such info to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In an attempt to set me behind on payments and leverage unjustified late fees to my account, Bridgecrest has deemed my account " ineligible for autopay. '' I therefore have to remember to call them and make manual payments every XXXX weeks. They have unfairly applied late fees to my account and have made no effort to resolve this matter. I am even on the phone to them right now as we speak, and have been on hold for XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my statement on my XXXX XXXX XXXX Mastercard from Barclays for Statement Period XX/XX/18-XX/XX/18 with a balance of {$8000.00}. There was an interest charge for {$110.00} on the statement. I questioned the charge because from my previous Statement Period of XX/XX/18-XX/XX/18 which had a balance of {$8500.00} of which I made payments totalling {$6000.00} leaving a balance of {$2500.00} which I figured be subjected to the interest charge. 

I charged interest on {$8900.00} in the amount of {$110.00}, which I was told is the average of my statement of the year. They told me unless the balance is paid in full each month, you are subjected to interest charges based on the spending average, not the unpaid balance. 

This has to be incorrect or illegal in my opinion and I am looking for guidance on this issue.

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 2018-11-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo will not credit my bi-weekly payments until they received the ( 2nd ) full monthly payment amount, thereby charging me interest on money they hold in limbo during the two-week period until my next payment is made.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: IL
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: DE
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 following items mentioned below were totally incorrect or has inaccurateinformationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

XXXX XXXX XXXX Balance : {$0.00} Why is this account still in my report? This account has been closed with no balance owed. Please justify the deletion request for this account. Also, provide any documentation to validate that your investigation and remarks are correct. Nonetheless, delete this account immediately. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on 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 2021-09-05
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a dispute to Experian due to the inaccurate information that was being reported on my credit. I mailed my first dispute on XX/XX/2021 and certified mail receipts confirmed that it was received by Experian on XX/XX/2021. I never received a response for this dispute. I sent a follow-up letter to Experian on XX/XX/2021 and it was received by Experian XX/XX/2021.

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 2022-01-10
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Signed up XXXX XXXX with XXXX XXXX XXXX for dogs care. Had payments taken from checking account each month until XXXX of XXXX. Was paying {$44.00} monthly. Twice they increased but never notified me. I only saw the increase when checking my statements. Then I would call to let them know that I couldnt have this do this because Im on a set income. I called to cancel XXXX of XXXX was told I couldnt cancel. So I kept paying. Calling back I was told have to call XXXX moths before plan renewal, so I did. My pets lat visit was XXXX XXXX XXXX. So I called to let them know that I wanted 2 cancel plan being that I had to notify them XXXX months in advance. I have been talked 2 so rudely each time I tried to get someone to understand that I could no longer afford to keep plan and pay. They talked over me and told me there was no one that was over them that I could get any help from. I male even told me what not to say to they person he was transferring me to. I continued to pay {$260.00} from XXXX XXXX until XX/XX/XXXX. I never received any corespondents from them. Then a letter from collections, stating they received a bill that was a 120 days pass due for {$130.00}. I called back to XXXX asking where was the money that was paid to XXXX by my bank. Young lady asked when was that paid as if she had no record of that. At this point and time the collection amount is {$310.00}. That would be twice the amount of & XXXX plus the collection fee of {$47.00}. I have asked where is the money received from bank that would have taken care of the collection fee {$130.00}. I paid XXXX without any problems except when they put through increases. Iihave been informed I was paying double for shots that all dogs only need on each year But the worm exams are taken twice a year. Even with paying automatically I still paid out of pocket when they would say she needed something else when they had me to drop pet off I had to tell them not to do anything extra until they spoke with me This what they didnt like when I wanted to know what dog needed that my plan didnt over. They began to start treating me differently when I would go in or call in. Then they stopped giving me printouts of services rendered. When I called IC System about the collection, I was given the total {$31000.00} and the bill will be put in for a Judgement on XX/XX/XXXX. They stated could settle for {$200.00}. But I keep asking where is the money paid to XXXX from bank That would pay the only bill received as the amount due & XXXX. XXXX never sent bill tome until it was sent in for collection. 

I will appreciate all that will keep this from gong on my credit. Sincerely, I Thank All!,

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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding

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 2019-02-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Nelnet payments known as campus commerce or student loan servicer is holding me responsible for {$290.00} monthly payments, as of XX/XX/XXXX on a balance term total of : {$1700.00} for the Fall XXXX semester. I made a down-payment with non-refundable processing fee on XX/XX/XXXX and one payment of {$290.00} on XX/XX/XXXX. I can not afford such large repayment ( s ), and I've let both the XXXX, ( XXXX XXXX College ) Campus : Students Accounts Office and Nelnet repayment plan offices understand this. I currently am in a student loan deferment to postpone payments until XX/XX/XXXX with NELNET, making many attempts to express of my inability to make any more payments. Senior Administrators at XXXX XXXX College recognize my hard work and persistence and commitment earning a semester average grade point that meets or exceeds 3.50. The XXXX College has also accepted my Intent to Graduate Application as of XX/XX/XXXX with graduation commencement on XX/XX/XXXX, but have put holds on mailing my Diploma. until payment of {$1100.00}, is received. With a still remaining Term balance amount of {$1100.00} for the Fall XXXX Semester, I've run out of explanation of how to get repayment to their offices, knowing I can not meet their demands for payment, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was in need of car good running car .I went XXXX XXXX to buy a car it was a XXXX XXXX it had very low mileage. I drove the car about a month. the engine light .i contact the dealership .they told me to bring it to be checked was.I did was told the cowl was out and it would be replaced. I pick the car up from the dealership .drove it for a day the engine came on again this time I called Santander to inform them of what was going on with the car.I still made my payments on time of {$440.00} per mo .Even those the was sitting in my parking stall.this went on about two.expain to Santander.I can no longer make payments on a car that is not running. and pay for a rental car.I needed to retune the .so i parked it on the street.I they never told me they picking up the car .I recived papers in the mail the car had been repo .then the call stared every win am going to the balance .i ow {$12000.00} this repo I can not get another car loan because of this on my credit.

Company response to consumer: Closed with explanation