BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021 I submitted written requests to Select Portfolio Servicing ( SPS ) requesting a Forbearance Extension ; due to still being medically and financially impacted by the COVID-19 Pandemic. 

On XX/XX/2021 I received a COVID-19 Decision Notice/Assistance Letter ( attached ) from SPS in response to my written requests and document submissions for a COVID-19 Forbearance Extension. Upon reviewing the letter, the letter states that I had been approved for a Forbearance Plan, but lists a Trial Payment Plan Payments for the following months : Payment 1 - XX/XX/2021 : {$770.00} Payment 2 - XX/XX/2021 : {$770.00} Payment 3 - XX/XX/2021 : {$770.00} It is my understanding that under a COVID-19 Forbearance and/or a COVID-19 Forbearance Extension, that the entire monthly payments are to be paused in their entirety while under a Forbearance and/or a Forbearance Extension.

Here, SPS approves me for a Forbearance, but assigns a Trial Payment Plan ( Partial Payments ) for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

As a result of being confused with the Forbearance Extension being assigned as a Trial Payment Plan with partial payments ; I contacted SPS by telephone and spoke to a representative who told me that the Forbearance with the Trial Plan Payments was the only assistance being offered by SPS. 

I explained to the representative that there must be a mistake and that I specifically requested and submitted the required documentation for a COVID-19 Forbearance Extension from the SPS Website, and what was offered to me by SPS was more of a Partial Payment Deferral Plan and not a COVID-19 Forbearance Extension ; which pauses the entire monthly payments for a specified period of time. 

The SPS Representative stated that the Trial Period Plan was all that was being offered, and stated that there was no other assistance that was being offered by SPS. I then asked the representative to escalate the matter to a Supervisor/Assistance Program Department to discuss the matter further and was told that a Supervisor was not available at that time, but a Supervisor would call me back within 24 hours.

At that time ; I asked the representative to have someone of authority in the Assistance Program Department to contact me back as soon as possible. As of today ; I have not been contacted by telephone, mail, nor the SPS Online Messaging System by a Supervisor or anyone from the Assistance Program Department to explain the Forbearance with Trial Plan Payments ; which is not an actual Forbearance Extension as I had requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Home Point Financial incorrectly reported my account as delinquent ( past 30 days ) to the credit agencies. I already was notified by the agencies that my rating has dropped considerably due to this and I can verify this by logging into such services that show that. 

HPF is not answering their phones as I have tried to call multiple times this week. They are not responding to emails when they say they will within 24 hours. That time limit has come and gone. And apparently, I was not alone in having my rating trashed. Apparently, they submitted delinquencies on many accounts that they service due to some ridiculous error that never should have happened. 

A credit rating is not easy to repair and they have done great damage to my previously stellar rating. What can be done about this? 

Here is an article giving more details not he matter : XXXX XXXX XXXXXXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance 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 2018-06-05
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
The monthly reporting of my auto loan with Santander is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported. 

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment. 

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment. 

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX  and XXXX There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX  has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX. 

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX  and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau. 

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX,  however all three bureaus are reflecting 30 days late. 

The amount of 30+ days late reported are not nearly as much/frequent as Santander has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is that I was told that if I settled a debt with them they would not report it on my credit report. I paid the debt in full but they did not follow through with their promise. Additionally, I disputed it recently and they are not taking it off my credit report and its adversely affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
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:
I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received a call from a debt collector looking for someone else, I told them that they have the wrong phone number, they then kept asking questions and I repeated myself that they had the wrong number and to please remove my number from their call list. On XX/XX/XXXX at XXXX I received a call from the company again, again they were asking for someone not associated with my phone number, I told them that I had told them yesterday to not call this number. The person again started asking questions and I told them they had the wrong number, I told them again to take my phone number off their call list and to not call. The person then said I will keep calling and hung up on me. I called the number back and asked to speak with a supervisor, they stated that because it was Saturday that no supervisor was available. I told them I wanted to be removed from their call list and that the previous person I spoke with was very hostile and repeatedly told them to remove my number and they refused and stated that they would continue to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: SOUTHERN CASCADES FINANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company refused to provide me with statements over a long period of time. I was not aware of the finance fees or status of the account. This deceptive practice made I t made it very difficult to make payments causing a monetary injury. I filed multiple complaints and never received a follow up from the company. I assumed I had no rights due to there constant refusals. The car should be nearly paid off but the balance has gone nowhere because of those fees during that time frame in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my wife and I applied for a reverse mortgage with American Advisors Group ( AAG ). The application was taken in our home by AAG representative XXXX XXXX ( NMLS ID XXXX ). On XX/XX/XXXX we completed the home counseling with XXXX XXXX as a prerequisite to the loan application. We received a U.S. Department of Housing " Certificate of HECM Counseling '' ( Certificate Number XXXX ) signed by XXXX XXXX   XXXX XXXX. On XX/XX/XXXX our home was appraised at a market value of {$680000.00}. The appraiser was XXXX XXXX XXXX, XXXX ( License No.XXXX ). We paid for both " counseling '' and appraisal and had no issue with the individual or company involved.

Our file was assigned to AAG processor XXXX XXXX on, or about, XX/XX/XXXX. I sent Mr. XXXX all requested documents including bank statements, retirement documents and tax returns and he confirmed receipt on XX/XX/XXXX. At some point between XX/XX/XXXX and XXXX Mr. XXXX resigned or was terminated. The loan reassigned to XXXX XXXX. Documents I had submitted to Mr. XXXX were lost and had to be resubmitted. I wrote a letter stating my concerns and spoke to AAG Divisional Manager, XXXX XXXX, On XX/XX/XXXX I received an email from Mr. XXXX that our loan was " conditionally approved ''. 

This is where the actions of AAG become suspicious and lack transparency. For the past month I have not been able to secure a final loan approval. These are the relevant facts ( 1 ) my wife and I are over 65 years old, ( 2 ) we took the required HUD course, ( 3 ) our median credit scores were both well over 720, ( 4 ) we were never late on our primary mortgage ( 16 years ), and had no other mortgage or loan payments late in the past three years. Despite all of this positive history an unidentified AAG underwriter raised an issue about homeowner association ( HOA ) monthly dues that were paid late. These HOA payments were oversights of very small payments and did not result in any collection accounts or liens. Once AAG was satisfied with our HOA explanation, the unnamed, unidentified AAG underwriter questioned our income.

This is suspicious since our reverse mortgage will ( 1 ) require us to bring over {$60000.00} to closing ( which we have and provided documentation ) and, ( 2 ) will reduce our monthly expenses by {$2500.00} per month. We we not seeking payments from the reverse mortgage because we did not need any additional income. The reverse mortgage in our case is not a necessity but a proactive retirement action. 

Finally, what we are seeking is clarity and transparency. This is a Federally insured loan program that should be processed in a clear and nondiscriminatory manner. 

It is now XX/XX/XXXX, and despite several promises of closure we have yet to receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a harassing phone call from Portfolio collection for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told Portfolio several times that I was in the do not call list and that I do not owe any company debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient acknowledges that I am completely and XXXX  XXXX and I have received a federal student loan discharge based on that ( the discharge monitoring period for that ended XXXX of XXXX ). I have no income and no assets and am in the process re-applying for SSI. When I applied for TPD relief with Navient for my private students loans, they " restructured '' some of my loans, but the payments are still completely unmanageable ( over {$200.00} per month ). I've  repeatedly asked them about at least lowering my payments and am told this is impossible. Being completely unable to pay them, at this point I am going into default and my credit is trashed. I filed for bankruptcy in XXXX, but the legal aid company I used does not do adversary proceedings and so could not address the student loans. I currently owe Navient {$27000.00}, with about {$1500.00} of it being past-due. I have 4 loans : 2 were dispersed in XXXX at XXXX University, one in XXXX at University XXXX XXXX, and one in XXXX at University XXXX XXXX XXXX. Navient says I became legally XXXX in XXXX, before taking out the final loan, so they don't consider that to be included under TPD restructuring options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Bread Financial Holdings, Inc.
State: IL
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 spoken with XXXX XXXX/comedity bank and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit  reporting agency letters every month since XX/XX/2020 to update my balance on my XXXX XXXX   account but still has not been updated since XX/XX/2020. The balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX, Opened Date XX/XX/XXXX, Balance {$3600.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2019-08-23
Company: DISCOVER BANK
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in a dispute 5 years ago on Discover credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have XXXX have it reappear on my credit report .XXXX keeps having Discover reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for Discover to use my name or to put anything on my credit report. I want XXXX to remove Discover off my credit report and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Smith, Rouchon & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Original creditor SMITH ROUCHON & ASSOC Last reported XX/XX/2020 I did not receive any communications from creditor or collection agency about this debt. Recently I was denied credit increase due to derogatory information reported as HIGH IMPACT collections. Dispute was filed and debt was paid electronically but information is still being reported incorrectly. 

I notified SMR & Association via phone for letter of satisfaction and they agreed to remove all debts from each credit bureau. However, XXXX XXXX is still indicating collections information as HIGH IMPACT collections and incorrectly. 

XX/XX/XXXX Reported balance {$830.00} XX/XX/XXXXReported balance {$510.00} The payment has drained my emergency fund ; created a financial hardship and now place me in credit limbo despite consumer protection against surprise billing under the COVID-19 Cares Act. 

These medical bills were paid in XX/XX/XXXX according to XXXX Insurance and surprise the debt is back again and being reported inaccurate with HIGH IMPACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX  9. XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.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