BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Investigator -- My home loan servicing company was changed from XXXX XXXX  to Select Portfolio Servicing , Inc. approximately 6-months ago. In setting up my new servicing account, XXXX XXXX  transferred a change for " XXXX XXXX '' in the amount of {$280.00}. I notified Select Portfolio Services ( SPS ) of this error immediately, and explained that for several years I had attempted to get XXXX to correct the error. XXXX had agreed to correct it many times, but never followed through. My attempts with XXXX, as with SPS were made all the more difficult because I was never allowed to speak to the same person twice. Every time I called, I had to start from the beginning. I did this for years -- approximately 6 or 7 years, to be exact! Now I find that SPS is no different. In the past 6-months I have made over a dozen attempts to get them to fix this error. I can never get the same person. There is supposed to be an account Rep Assigned to me XXXX XXXX XXXX XXXX, who has never returned an email or called me back. Even though a customer supervisor supervisor ( XXXX XXXX acknowledged today that I had made full payments, they refuse to remove the " Over-Charges '' that XXXX had added. 

Why should it take a consumer 6 or 7 or 8 years to get an accounting error corrected???? 

At this point, I'm ready to stop making payments to this company, all together who blatantly wants to steal from me, and presumably all their other customers. 

Please sanction Select Portfolio Servicing , Inc. to the greatest extent within your power. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
OAG CHILD SU XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
OAG CHILD SU XXXX Balance : {$0.00}

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 2021-06-16
Company: Phoenix Financial Services LLC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Phoenix Opened XX/XX/XXXX + {$1400.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Phoenix Opened XX/XX/XXXX + {$1400.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  {$540.00} XXXX XXXX XXXX {$610.00}

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 2021-08-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ally financial falsely reported a balance on our account. We never received any statements as the address on their file was incorrect. At the time our credit report was pulled for an application for a mortgage this account came up. We contacted Ally several times and were transferred to their collections company every time. They were unable to provide a detail of the balance on the account. The dealership was able to provide an old copy of the statement showing that the balance being collected was for property taxes. They also provided a copy on our file which is an Affidavit which was signed at the time of the lease showing the vehicle is leased for personal use and no taxes should be collected. We have provided this documentation to Ally financial as well as the Collections company. There has been numerous attempts to get this corrected in a timely manner as protected by the FCRA. This is causing a negative report in our credit score, a delay in our loan, and an increase in our interest rates. 
Im attaching the statement, and waiver. I can also provide all the emails that were sent both to Ally Financial and the Collection company with the documentation to correct the account.

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 2019-08-19
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I delivered my daughter on XX/XX/XXXX. On that day I switched my medical insurance from an individual plan to my spouse's plan as his dependent. The creditor in this case - XXXX XXXX has I believe billed my previous insurance and failed to bill the new insurance. This was then send to the debt collection agency - XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXSUITE XXXXXXXX MA XXXXREFERENCE :ACCOUNT NO – XXXXCREDITOR : XXXX XXXX ACCOUNT NO – XXXXSERVICE DATE –XX/XX/XXXXAMOUNT DUE – $ XXXXI subsequently called the XXXX XXXX department and spoke to XXXX who says that on checking the bill was paid by the prior insurance and should not have gone to collections but was not able to help me with the collection agency and proposed I call them myself and sort it out. I called XXXX XXXX who said I should call XXXX XXXX and sort it out.Meanwhile I keep getting collection notices from XXXX   XXXX  XXXX XXXX. I fear undue effect on my credit score for no fault of mine.I believe that either XXXX XXXX  failed to bill the right insurance within the right time or the bill was paid as I was made to understand and still went to collections. Kindly help.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I did not give permission for my credit report to be pulled. Please remove all of the following hard inquiries from my credit report : 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 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 2023-02-03
Company: EQUIFAX, INC.
State: MI
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:
15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the following be deleted from my consumer reports for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act : STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN Also under 15 USC 1681 Section 602 A I have a right to privacy.

The following inquires are unauthorized on my consumer reports : 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 2021-03-28
Company: WELLS FARGO & COMPANY
State: MA
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:
To whom it may concern, Hello my name is XXXX XXXX I previously was in dispute with the bureaus over a hard inquiry from ( XXXX-XXXX  XXXX XXXX XXXX XXXX ) I do not recognize the hard inquiry and wish to have removed as soon as possible please and thank you.

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 2018-02-27
Company: General Motors Financial Company, 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:
GM Financial Acct # XXXX XXXX XXXX XXXX 1. Havent updated credit report since XX/XX/XXXX 2. Balance shown {$1500.00} 3. Paid {$550.00} XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX = XXXX 4. GM Financial shows las payment of {$420.00} 5. Contacted GM Financial 6 times and they reported to me that they have to check each account prior to updating records. 
6. No date given as to when this will happen.

7. Car is a lemon and has been undrivable for 4 years. Dealer refused to honor warranty and replace battery. Two recalls for electrical system problems and now is in XXXX dealership and will cost ~ {$2000.00} to fix. 
8. Bought car with XXXX miles on it and currently has XXXX miles. This car has cost me over $ XXXX mile to own. Worst car I ever bought! 
XXXX XXXX XXXX XXXX XXXX % XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Southwest Credit Systems, L.P.
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:
I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX XXXX  on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2021-06-16
Company: Screening Reports 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: SC
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mortgage with Watermark. Signed up for estatements and never receive them. Called them several times and they promised to correct errors, said Im one estatements, getting them but Im not and they havent helped me at all. They have my correct email address and the statements are not going to spam. Theyve only stressed me out and made me angry. I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Im dealing with a lot of stress and I need my statements to keep it together and make payments on time. I pay all my bills on time, always have and have an excellent credit rating. Told them I wont be responsible if they dont send my statements. Ive been late twice but paid soon after. Was told I wouldnt be charged late fees cuz it was their fault. Also promised not to report me and ruin my credit rating. Tried to pay my mortgage in XXXX for both XXXX and XXXX. They wouldnt let me. Said they were changing companies to make payments to and they couldnt accept payments until XX/XX/15. I want to pay my mortgage but they wont let me. XXXX XXXX XXXX I received notices from XXXX and XXXX XXXX saying Im delinquent, its going on my record, they dropped my rating by XXXX and XXXX points and said this will be on my record for XXXX XXXX. Im irate cuz this ruins my credit and XXXX have problems getting loans, buying cars etc. I filed XXXX complaints with the XXXX after getting nowhere with them. They havent responded to either one. I called all the credit agencies and they said they can work on it but it takes 30 days for a response. Until thenmy credit is ruined. Its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. Navient and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX and XXXX, 2020, I was charged {$230.00} from XXXX XXXX XXXX. I do not have any accounts with them. Therefore, I contacted my credit card company which is Capital One. I let them know that nobody in my account had authorized these charges and that I wanted to dispute them. I have contacted them several times for the same reason, and every time I contacted them, they tell me the same, that I will see a refund on my card within the next weeks. I have been waiting now for months and I am still not seeing the refund. Due to Capital One not doing anything about it, I then contacted XXXX XXXX XXXX directly, and the person who is helping me with the case, wanted to get the full credit card number and the expiration date of the credit card used to pay for these transactions or a number that is the EST. I do not have the credit card anymore. So I called Capital One to request this information and they did not want to help me out with anything. They do not either want to refund my money. I need some help with them please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my reports/bank accounts. I am requesting that First Horizon Bank - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX delete all false information in they're system or prove the account are valid. This is not reporting on my credit but is stopping me from opening up checking accounts and getting loans as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Servis One, Inc., Titusville, PA Branch
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX approved a loan modification and forgave {$140000.00}. 
on a note and issue a XXXX on which I paid taxes on the forgiven debt. Then the loan was sold to XXXX XXXX who subsequently denied that the forgiven portion of the debt existed even though I presented the documents proving the facts. they then altered the recorded documents and proceeded with foreclosure and the property record now say it was sold to a trust for {$220000.00}.

Company response to consumer: Closed with explanation