BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was purchased from XXXX  XXXX XXXX by Select Portfolio Servicing XXXX Inc., out of XXXX XXXX XXXX, Utah. I was notified by mail by XXXX, but notification was sent to the wrong address. I contacted XXXX when mortgage money hadn't been taken out of my account ( automatically ) by the end of the month ( due the XXXX ). I was told by XXXX that I had a two month " grace period '' to pay the new mortgage holder. I paid SPS two month 's mortgage, before the XXXX of the month the following month, as it took a week or so to obtain SPS 's mailing address, my new account number, etc. At that time the mortgage payment was {$1500.00}. Before any type of rate hike happened by the Federal Reserve, SPS raised my payment amount to {$1600.00}. When I called SPS for an explanation, I was told it was their prerogative as I had paid my mortgage ( 2 month 's worth ) after the first of the month ( but before the payment was late on the XXXX? ). Moreover, every month upon receiving my statement, SPS indicates that what I owe is {$3200.00} XXXX charging me interest on this larger amount rather than the {$1600.00} - the amount I really owe ). This additional principal balance is what I am being charged interest on, and they add this additional {$1600.00} principal balance on the XXXX of the month - two days before the payment would actually be late. If you look at my monthly statements, although they show this {$3200.00}, there never is any late charges because I am never late paying the mortgage amount of {$1600.00} XXXX which again, should be {$1500.00}, not their arbitrary amount of {$1600.00} XXXX. SPS also attempted to charge me PMI, although this loan is a land loan ( and I also have my own private insurance on the property ). SPS simply won't remove this additional {$1600.00} XXXX for a total of {$3200.00} XXXX from my monthly principal balance owed, and again, are charging me a higher amount of interest each month for this inflated {$3200.00} balance they put on my statement each month. I would appreciate some help in getting my payment amount of {$1500.00} reinstated, and reimbursement for the additional interest amount they are charging me each month by doubling my payment amount on each statement ( again, my payment has never been late ). Further, I want reimbursement for the additional amount that SPS is charging me each month - from the {$1500.00} my payment amount is supposed to be to the arbitrary amount SPS is now charging me of {$1600.00}. Please note, again, at the time SPS raised my payment amount from {$1500.00} to {$1600.00}, there had been no rate hike by the Federal Reserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a long time customer of Capital One with both a Credit Card and Car Loan. Despite the very high interest they charge I have an an almost perfect payment record with both accounts. I was only late one time on the Credit Card account by a couple of days and have never been late on the Car Loan. Despite this outstanding record, Capital One has turned down my request for a modest increase in my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: ARVEST BANK GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Veteran, lost job, had a fire in the building, tenant using space heater,XX/XX/2015, City Fire Marshall wanted to shut down the building unless owner upgraded the electrical wiring in the building, no money for this, quotes around 15,000 dollars, tenants move out, as fire marshall stated, '' Building is unsafe ''., one year and half no tenant income, must upgrade the electrical system, fell behind on all payments, struggle to upgrade, now upgrade is complete, mortgage is behind for 3 years ... .need desperate help financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Southwest Recovery Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have disputed this alleged debt with southwest recovery services. I have no recollection of this alleged debt. I have recently received another email from them attempting to collect. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. 
These items include : XXXX. The original contract with the original creditor with my picture and my signature XXXX. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me. 
XXXX. Any and all payment history regarding this alleged debt

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I had things my mother helped me pay off atleast two things anyways she paid them off and they styll have it up on my credit as not paid .... ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXX XXXX XX/XX/2020 TransUnion XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion

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 2020-01-04
Company: Experian Information Solutions Inc.
State: NV
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:
There are a few accounts on my credit report that arent mine. Please have them removed.

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 2023-12-08
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Credit reporting 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:
Subject : Deletion of Unauthorized Credit Inquiry CONSUMER PORTFOLIO SERVICES ( finance ) I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
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:
Accounts reporting on credit report are not mine Sent multiple identity theft reports via USPS mail Called company to report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-10-06
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Because I had previously disputed XXXX XXXX Servicing a close account which is reporting 5 times 30 days late. One in 2019 and others in prior years. The credit report agencies will not allow me to dispute the 30 days late payments on the close accounts. I'm unable to apply for a new mortgage until this information is updated on my credit report reflect a timely payment history with no negative information. 

I have made all of my payments in a timely manner. 

I also tried to contact XXXX XXXX XXXX and was unsuccessful since this is a close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: FMA Alliance, Ltd.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wife is XXXX XXXX in XXXX they have been paid min on accounts told not to call and letters sent. Still call our home XXXX her cellXXXX now my business phone XXXX these XXXX are rude abusive XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Capital One has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Capital One, XXXX and XXXX must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This office has obtained a retail installment contract and disclosure statement under the terms of a company that is closed, Aldous and associates is attempting to collect a debt in the state of Louisiana whereas it is required to obtain a license to collect a debt in this state, any individual collector at an attorney office that is not licensed in the state of Louisiana is required to be registered under this law. I have not consented nor have I done business with this company legally. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with Aldous and Associates, equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable. I do not validate this debt. This attorney office is only licensed in Arizona, California, Connecticut, Idaho, Maryland, Massachusetts, and Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for credit card online from Citi and received denial letter. Letter stated " your existing or previous account with us has a history of late payments '' based off of XXXX report. Requested XXXX credit report, to review and found 0 late payments.

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 2019-09-13
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I received a loan modification package from Specialized Loan Servicing that I requested for me to reaffirm my loan. Then on XX/XX/XXXX I received another letter stating that I was denied due to having equisetum in my home and that my only option was to do a short sale. I was never given the opportunity to explain why I fell behind on my payments and what I can do now to rectify my loan. On XXXX I submitted an appeal letter in writing with Specialized Loan Servicing asking for a second review. I was notified on XX/XX/2019 that I was denied again. Disputed my decade of hardships this company isnt willing to work with me and allow me to reinstate my second mortgage. My 1st mortgage is current. I dont want to sell my home and be out on the street.  Every person I have spoke with in this company has been very disrespectful and rude to me. Im not sure what else I can do to keep my home.

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 2022-09-15
Company: TD BANK US HOLDING COMPANY
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:
Hello, I have an account with TD BANK aka Nordstrom Card Services. They reported my account as overdue past 30 days XX/XX/2020 to my credit file and my credit score dropped XXXX points. Due to the XXXX epidemic, I was very XXXX, I was XXXX I have never had a late payment with Nordstrom. I called and asked to be enrolled into a covid program and the representative assured me I would. In light of being XXXX, I still attempted to make a payment, I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from the XXXX received a notice on my credit monitoring that my XXXX, XXXX, & XXXX score had plummeted XXXX points. I had EXCELLENT credit and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 6 year cardholder with exceptional payment history. I am so incredibly frustrated Please help me with this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian, XXXX and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian, XXXX, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MS
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:
Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 Experian, XXXX XXXX and XXXX has been reporting inaccurating information to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) 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 2020-01-04
Company: Synovus Bank
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was sent an offer for a XXXX XXXX Mastercard. It is offered at 35.99 % interest, an intro fee of {$95.00} you have to pay before the account will even open, an annual fee of {$75.00} for the first year ( and only a {$300.00} credit line ) and {$120.00} in annual charges every year after that. This is an absolutely criminal amount of fees for a card trying to help someone establish credit. There would be {$2.00} in interest on the first bill just from the 35.99 % of {$75.00} in fees. You havent even bought anything, but youve paid {$95.00} in a program fee, {$75.00} in annual fee, and {$2.00} in interest. This would not help anyone.

Company response to consumer: Closed with explanation