BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: All State Credit Bureau, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There has been multiple hard and soft credit pulls on me that was not authorized by me. I do have the XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The employer info is also correct. There are also several address listed that I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Diversified Consultants, Inc.
State: NY
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:
IHi my name is XXXX XXXX and this is the third time that DIVERSIFIED CONSULTANTS has ruined my credit report by reporting fraudulent balances that are not mine nor did I authorize I have told this company several times and provided them with a police report amongst other documentation but they continue to report fraudulently to credit bureaus. They are now reporting to XXXX XXXX  and XXXX I want this removed off my credit report at once as it does not belong to me and is fraud. I am a victim of identity theft and this whole thing is causing a tremendous amount of stress on me as I am XXXX. Please make these people remove this fraudulent charge and stop them from harassing me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was trying to transfer money from my PNC bank to my XXXX app to invest in some stocks but it shows that an error happens and that XXXX is trying to fix it with my bank. The stocks are starting to rise and in order to get a good price I would need to invest soon. This error from PNC is restricting me from investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Good afternoon, I have had several issues with Navient last year in XXXX. It was a difficult year for me financially and tried numerous times to reduce my payment on my IDR plan. Several times I spoke to a representative they told me I had to fill out the repayment plan yearly paperwork and send in my W9 's or income verification. I told them I had reached out to the companies I had worked for multiple times and I never received any documentation proving what I made while employed. The whole year I was in a financial hardship and was out of work for more than 6 months ( no work, no income ). I had to take out my 401 ( k ) and all of the money out of my investment account just to survive. I expressed this multiple times via email as well as over the phone with a customer service rep., there scripted answer was to send in XXXX 's tax return but that year I made over {$50000.00} hence the reason in my IDR plan I was paying {$300.00} per month. I just finished my taxes and with both of those withdrawals and what I made by working in XXXX I made roughly {$18000.00}. Once I got into a financial hardship no one would help me out at Navient to restructure my payment plan. Ultimately just to survive in one of the richest counties in California I had to put a holt on paying my student loans. Now that we are in XXXX I went a whole year with a $ 300+ per month payment and was way below the poverty line. Alone the interest on these loans has wrecked havoc and they have accrued so much interest I now owe over {$40000.00}. I need some help here because they wouldn't help me and if you look at my record I have filed several complaints to the CFPB regarding this loan servicer - Navient. The service is horrible and when I told them what was going on and the financial issues in my life I didn't receive any service and nobody would work with me. The math on {$18000.00} for the year is a {$1500.00} per month, add in rent, utilities, food, transportation, insurance there was no feasible way for me to pay that amount monthly and every time I asked for help I would get the same response and turn in my XXXX tax return. This is mind blowing that a company can treat their customers the way I have been treated. On top of that they put me into a deferment plan without my consent. How is that legal? How can they do this to people and get away with it? Somebody at the CFPB PLEASE help me. I really need it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
AFNI threatened me, stating that if I did not pay {$400.00} that a judgement against me would result in my license being suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TN
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:
The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report. 

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report 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 2019-04-23
Company: Roquemore Holdings LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called everyone in my family : my sister, my mom, my sister in law, my sister in laws husband, my mother in law ; but would not call me back to even ask what this was about. XX/XX/19. They stated that it was an emergency making my family concerned for my health.

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 2021-05-07
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not getting no response back to this high debt they say that i owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, 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 have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: ID Analytics, Inc.
State: OH
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:
After Carefully reviewing my credit report i noticed there are a few accounts showing that i have not authorized. Due to this mishap im requesting my credit file be freeze. My name is XXXX XXXX XXXX i reside XXXX ROCKY XXXX XXXX COLUMBUS XXXX OH XXXX, Please remove the following address and unknown credit items from my report ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEBT RECOVERY SOLUTIONS # XXXX, XXXX # XXXX, XXXX following addresses/ and phone numbers are not associated with my social or XXXX MALLCREEK CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, WY XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX the XXXX numbers also : ( 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 explanation
Consumer complaint received 2017-11-29
Company: Credit Plus Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX  XXXX XXXX XXXX Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Information belongs to someone else

Complaint:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: IN
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:
Back in XX/XX/2018 hired a lawyer XXXX was trying to get double pay on a car went to court civil court I won XXXX XXXX XXXX is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}

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 explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE ON THE INQUIRIES.

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 2018-09-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am eligible for a HAMP refinance but because of a bankruptcy over 7 years ago, my bank will not process the loan. My house and car were supposed to be reaffirmed and.the proper boxes were checked in the bankruptcy paperwork but my lawyer must have gotten sick and passed away before he processed the reaffirmation. When I asked if it was something I did wrong, I was told that it should have been handled between the lawyer and the bank and I didn't have anything to do with it. Meanwhile, I am told I would have to open the bankruptcy back up to handle this and it would take more money that I don't have. I am trying to refi the house to be able to stay in it. I am working as hard as I can as a XXXX XXXX XXXX XXXX XXXX and am suffering every summer with no pay. 
I have talked with the refi people at Wells Fargo and they say it is my problem, I have talked with a bankruptcy attorney and they say that I have to pay and reopen the bankruptcy. Meanwhile I am slowly going under. I did do some research and found that the bank can reaffirm the loan but they refuse to do this. 
Please help me! 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
What is this complaint about? 
My credit score being decreased instead of increased by TransUnion. 

What type of problem are you having? 
TransUnion made an error by decreasing my credit score instead o increasing my credit score. 

What happened? 
TransUnion decreased my credit score by XXXX points from a XXXX after they removed to erroneous collection accounts that I reported to them and requested their removal from my credit report. 

What company is this complaint about? 
TransUnion Who are you submitting this complaint for? 
Myself, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Failure to perform an investigation XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Failure to perform an investigation XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Failure to perform an investigation XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Failure to perform an investigation XXXX Account XXXX : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-04-23
Company: General Motors Financial Company, Inc.
State: UT
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:
This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.

Company response to consumer: Closed with non-monetary relief