BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was XXXX with XXXX on XX/XX/XXXX. I was in quarantine and I lose my job for three months. After I start working part time job. I can't pay my mortgage for : XXXX, XXXX, XXXX, XXXX and XXXX of 2020 I was enrolled in Covid -19 Payment Relief Program. 

On XX/XX/XXXX of 2020 Select Portfolio Servicing Inc. offer me a Trial modification Plan. was all payments successfully made. 
On XX/XX/XXXX they asking me for Flood coverage insurance Policy I summeted to them same thay. I called them next day to make sure if they received and they said yes we got it. Just wait we will call you if we need any additional information. 
I called back on XX/XX/XXXX and they said .... You need to summite to us a proof of your Flood Insurance Coverage. I faxed to them same day. I call back in couple days to make sure how is going my modification. They said everything is ok, we will call you. 

I call back on XX/XX/2020 they told me This case is CLOSED because you never submitted a proof of Flood Insurance Policy AFTER that they said the Insurance Coverage is not enough. My insurance agent called them and they see the coverage is enough is greater than loan amount. The mortgage Company told me they will review. 
On XX/XX/2020 I called them and they said this case is close. This company give me a hard time and I don't know what to do now. They denied my modification before I start. They have a plan to follow up and do your dirty business. Every time I call they have different stories. They are not transparent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2018-07-27
Company: D2 Management LLC
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 received a phone call from a woman claiming that I owed on an XXXX account in an amount exceeding {$900.00}. I have never owned such an account. The women was rude and tried intimidate me. They called from a XXXX number ( XXXX ) XXXX, even though they claimed to be in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I have a joint checking account with Bank of America. My wife and her son also have a joint checking account with Bank of America. These two accounts are separate accounts. My wife 's son has been mishandling their account and it was overdrawn. On XX/XX/2018 Bank of America transferred {$1600.00} from my account to cover the overdraft on their account. Bank of America did not get any authorization from me or my wife to make that transfer. I spoke to a teller at the XXXX XXXX, NJ branch and she said that Bank of America could do this because the accounts were related.

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 2023-08-11
Company: Experian Information Solutions 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:
Experian failure to properly investigate fraud account. Kept fraud account on my credit bureau and XXXX states Experian never reached out to them. Uploaded letter from XXXX to Experian and Experian told me they verified that I am responsible for the account which is a fallacy because it is a fraud account and I uploaded the document from XXXX to Experian but they have not done anything. 

Experian investigation is a scam. Several FCRA violations as well as aiding and abetting identity theft 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 explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
According to my recent credit report request from XXXX, Transunion, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX, TRANSUNION, & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be  compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX  Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX  XXXX XXXX XXXX XXXX   XXXX Transunion Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

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 2022-04-04
Company: TRUIST FINANCIAL CORPORATION
State: AL
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 checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

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 2019-08-13
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:
I've had an issue with all 3 major credit agencies. XXXX, XXXX and TransUnion. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. XXXX screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with TransUnion and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.

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 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-04-04
Company: Village Capital & Investment LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ref : Village Capital and Investment Dear Sir and/or Madam : As you all are very well aware we are in the year XXXX. Can someone in this distinguished group please clarify for me why in the year of XXXX we have some esteemed mortgage companies still doing business as if its XXXX? 

Earlier this year my mortgage company Village Capital and Investments in XXXX, NV updated their web portal. In accordance with privacy concerns there is little to no customer information that shows on the site. When you log in, again there is no history, no current payment or future payment information posted either. As a result, I when I received my social security in XXXX I posted my payment. A couple days later I was not sure that Id posted the payment so believing I had held the payment back, it was posted again. Only then, did it show the payment for XX/XX/XXXX and XX/XX/XXXX as pending. A few days later BOTH payments were processed. I called Village Capital immediately. The customer service people said they could not stop the payment process, leaving me with {$20.00} in my account. My first question is why does a financial institution, knowing a payment is not due until 6 full weeks later process a payment that far in advance of the due date? 

Ive have been on the phone with Village Capital numerous times ( approx. 8 so far ) since this fiasco started. To date, Ive had a different story as to status of this refund. Second question : In this day of computers, electronic transfer etc Why can these dinosaur institutions not required to refund payments within a reasonable amount of time ( i.e., 5 days )? Third : Why am I sitting here almost a full 30 days later and STILL have no refund? I will remind you Im on social security I have no savings to draw from until Village Capital decides to process this refund. Fourth : Why can I not get a straight answer on the status of this refund? I NEED SOMEONE TO HELP ME. This type of inaction should not be allowed. EVER. Finally, XXXX question : Why do they have to mail the refund via XXXX? This will require a 45 minute trip ( one way ) to my bank to deposit. 

I did tell the customer service rep last Friday when we spoke that I was going to recommend them as the WORST in customer service ever. I am stressed, Im broke and need food in my house and gas in my car. Mostly I need someone with some clout TO DO SOMETHING TO HELP ME. 

Why is this allowed? Why do these people have the authority to keep someones money for over 30 days without resolution? Why will they not give clear and concise information on the refund? And why is their website so obtuse that you can not see what has been previously posted so error do not occur?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Mortgage let me take the money I could not pay and put to the back of the loan but now they to want to change the agreed upon terms to something less favorable for me. I do not have what they said in writing but we verbally agreed to this contract. I had a covid related hardship and that I could not get my rental house rented out due to covid restrictions, but now that I have rented the house I will be able to make the payments at starting XX/XX/2021. Arvest Mortgage wants to change the terms of our agreement. They have sent me numerous letters and even an registered letter to force me to call them. Each letter also says disregard this letter if you already know what you are going to do. I want the terms in which the money I did not pay was moved to the back of the loan, as we agreed on with no changes. I am unable to make an online payment because they want me to pay the money I did not pay back right now breaking our agreement. Or they want me to enter into a new unfavorable agreement. Arvest Mortgage asked for personal information about my tenants which is confidential and legally they are not allowed to ask these types of question. I only want to continue payments on XX/XX/2021 as we agreed upon. My interest is almost all paid off and I do not want to have to start all over again paying interest. They want me to modified my loan in such a way that I will end up paying mostly interest instead of principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
From mid XXXX of 2022 to early XXXX of 2022 Equifax just admitted that they gave false scores to millions of people due to there technical difficulties and I was affected. As a citizen and consumer of the United States Of America I have been crippled on qualifying for loans. My claim is under law by consent and privacy for the consumer. 15 US code 1681 under Congressional findings and Statement of Purpose under ( a ) accuracy and fairness of credit reporting under number 4 states, There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: DISCOVER BANK
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Discover Home Loans I have FEMA proof that I dont need Flood Insurance for my Home Loan. Also, XXXX, XXXX XXXX, and XXXX XXXX knew I didnt need it. Some of the almost 8 acres is low, but has no buildings on it. 

I think Discover 's 'policy ' to require Flood Insurance if any of the land is in a flood zone is related to them taking my interest on escrow, which is illegal in 15 states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: WA
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-11
Company: TRUIST FINANCIAL CORPORATION
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:
I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX TRUIST BANK Inquiry : XXXX. XXXXXXXX XXXX XXXX Inquiry : 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 2019-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original complaint was filed back in XXXX. XXXX ( my original complain ) XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from XXXXhe County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes. 


It has been Months and there has been no resolution to remove the escrow from my statements and SPS is still trying to collect on my escrow payments. When I called in yesterday the representative I spoke with was unable to assist me any further other than providing me with another phone number to contact and SUBMIT ALL THE DOCUMENTS that I have already submitted numerous times. 

The county of XXXX XXXX - Representative, XXXX XXXX is the one that processed my request to have my property taxes exempt. XXXX XXXX XXXX XXXX XXXX XXXX # :XXXX. If you need to verify the validity of my property taxes being exempt, here is the contact information for the County of XXXX   Assessor 's office. 

Please REMOVE MY ESCROW FROM MY ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.

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