BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a HAMP Loan with SPS. Servicing Inc. I have made all payment on Time. When the Pandemic hit, I requested a forbearance after paying XX/XX/XXXX Mortgage payment I was informed that SPS would put XXXX, XXXX And XXXX payment on the back end of the loan. In XXXX I contacted SPS And informed them that I was still experience financial difficulties due The Pandemic. SPS had fill out and new application and requested me XXXX statement along with my son bank statement who has been Paying the Mortgage. We did not get reply until XXXX where SPS Requested us to make payments of {$790.00} for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a balloon payment due XX/XX/XXXX Of {$16000.00} that would bring the account current. We notified SPS XXXX XX/XX/XXXX that we were still experiencing financial difficulties and Were unable to make the {$16000.00} payment. SPS sent me a new application For additional forbearance. SPS replied that they would be able to grants us And additional forbearance, or modification and has set a repayment schedule that is unreasonable and beyond our ability to pay due to the pandemic at this time. 

Enclosed I have attached a copy of the letter rejecting and additional forbearance Along with the re-payment schedule. 

Should you have any questions please contact me at 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 2023-05-11
Company: EQUIFAX, INC.
State: NY
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: KY
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 contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: MI
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 file a complaint with Experian about wrong information on my credit report. I got a reponse from XXXX that account was suppose to be removed back on XX/XX/22. Its still on my credit report with Experian. This needs to be removed as soon as possible. Its hurting me very bad.

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 2017-08-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/17, I noticed a Misc Debt from my checking account, I have it set up as also direct Deposit, court order, for my Ex husband, he is not a authorized user on account. For monthly payments. I went to the XXXX XXXX, Nj bank, and they internal search, XXXX was Able to track it down at another Location, funds were being taken out, I never received a letter from the Bank or call, saying it was being Taken back out. This was done at another location with a withdrawal slip, at a teller booth. At first they said someone used by debt card and I took it out. I find this to be poor business handling in the Finacial Institute.
They said they would call me back, nothing yet on wht happen, I m afraid this person going to go back into my account. For they blamed me first, until they realized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: LD Holdings Group, LLC
State: AZ
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:
LoanDepot account shows a remaining balance of {$250000.00}. This open balance tradeline is impacting my credit standing which is a violation of the Fair Credit Reporting Act guidelines as the debt can hinder my potential credit approvals due to the outstanding debt. 

LoanDepot has failed to update my credit in a timely, efficient manner. Even after numerous times of trying to contact the company. 

LoanDepot hasnt updated my account and still shows I owe on the loan that was transferred to XXXX XXXX. As of XX/XX/2021 has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: DISCOVER BANK
State: NY
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:
Discover Home loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a XXXX Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX XXXX which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit score in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX XXXX we continued to keep the payments up to date and we were still reported by Discover as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges

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 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I called Capital one regarding the account XXXX XXXX XXXX XXXX I didnt open this account Is no contract with my signature The time was open I was sick They said i they send me mail with I never receive it before Im requesting Capital one to remove this account from my credit report This account is affecting me from renting an apartment I have a XXXX  sister which I take care of her because the negative account is affecting me from renting an apartment I called Capital one to talk to ask a few questions and the representative told me that I was having a stop and desist and they couldnt do nothing with that So I said to the representative of Capital to authorize to delete the stop and desist to talk about what happened to me Immediately I authorized the representative of Capital one to delete the stop and desist He started this an attempt to collect a debt He didnt even let talk He continue this is an attend to collect He was so rude he didnt even want me to talk about the reason I was calling He said to me you call to pay I start it lying from the beginning First I never say that and second I told him that I didnt open this account He was rude I ask for a supervisor I wait and then I couldnt communicate with the supervisor at the end I hang off because this people they dont want to listen to reason They dont want to listen to nothing just Pay me that is all I ask for help to the bureau of consumer finance This is one of the most ruthless credit card companies. When you talk to them they dont treat you with kindness or humanity Just like a number like someone that owe money to the mafia pay me or pay me I d like to make a movement to show the real face of this company Lack of empathy, kindness and hypocrisy But is God in heaven

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to XXXX, XXXX, and Transunion. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.

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 2020-07-07
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: Account status incorrect

Complaint:
XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for XXXX XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.

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 2020-01-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Studentaid.gov login issue is discriminatory. 

The Studentaid.gov login process creates an unfair burden on borrowers with a Puerto Rican area code. The Studentaid.gov website requires that you verify your cell phone number prior to accessing any account information. This process includes Studentaid.gov sending your cell phone a text message with a unique code to enter into the website. 

Due to the fact that my cell phone number has a Puerto Rico Area Code ( XX/XX/XXXX), Studentaid.gov is unable to text me this code needed to login. This makes logging into the system very difficult because cell phone verification is required to proceed to account status - I had to delete my cell phone number in order to proceed. 

Despite the workaround of having to delete my cell phone number ( I was ultimately able to login ), my  ability to full utilize the website is hindered by not having a cell phone number as an available account recovery method. 
Given that the majority of people who live in Puerto Rico and/or have Puerto Rican area codes are Spanish speaking or belong to a minority group, this practice/policy is discriminatory, and creates a hurdle for people living in Puerto Rico to access their account information that people living in one of the US states do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XX/XX/2020 at XXXX PST, I received a call from an acquaintance ( not a spouse, never lived at his address, not a relative ) who told me a man came to his door and would not stop knocking for almost 30 minutes. When my acquaintance opened the door the man asked if he knew me - he said yes. Then the man asked if I kept an overnight bag there, and asked my acquaintance his name. When my acquaintance told him, the man stated his name back to him and substituted my last name as follows " oh so your name is really BLANK BLANK, '' inserting my last name. When my acquaintance corrected him and said NO, the man handed my acquaintance a four page legal document that contained some type of debt collection details and said give this to her. My acquaintance was appalled at not only this VERY obvious violation of my privacy and my rights, but at the disgusting tactics used by this man at trying to collect a supposed debt. I have sent the company a cease and desist in writing and filed complaints with the XXXX  for this situation. This company is violating the FDCPA by harassment and disclosure in addition to violating a previous request of no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The XXXX Visa Card has been promoting XXXX Rewards points for every dollar spent in the following categories since XXXX : Gas, Groceries, and Dining Out. This is in addition to always receiving XXXX Rewards points for every dollar spent in their own Stores all the time. Since XXXX I have been receiving the bonus/promotional points in the Gas, Groceries, & Dining out categories correctly until in early XXXX I noticed a problem with the Points calculations. On the XXXX statement generated XX/XX/13 I should have earned XXXX points, however, the statement only shows XXXX points earned. I called Card Holder CS and was told this takes 1 - 2 billing cycles to calculate and this is incorrect/untrue as this had been working correctly since XXXX without any issues up until XXXX. I escalated to a Supervisor who agreed there was a problem and told me she submitted a ticket for this to be reviewed and re-calculated. A few days later I received an email with an amount of {$10.00} versus {$5.00} for the Reward issued on my XXXX statement. This is still not calculated correctly. I also took the time to review my XXXX statement and points and I was also shorted on that one. On the XXXX statement I was shorted XXXX points = {$5.00} and on the XXXX statement I was shorted XXXX points = {$30.00}. And my points are still not calculating correctly now. I do not feel I should have to wait 1 - 2 more billing cycles for this to be corrected. I have been a loyal XXXX customer for over 5 years and I have had this card for a year and a half without any problems until now. I am attaching the XXXX and XXXX statements as well as a detailed listing of all transactions and points calculated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: 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:
It has been numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My complaint is against Capital One Bank regarding account # XXXX XXXX ending in XXXX, open XX/XX/2019 status open. I have always been a loyal customer to the mentioned company and personally like making business with them. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to Capital One what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if Capital One Bank does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. So please Capital One help me here, I could be a fraud victim and I might not even know it. Plus, I have never been late with the company before. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX credit card ) placed on my consumer report by XXXX, Equifax, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX  credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: OR
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 was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications XXXX XXXX, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except XXXX XXXX is still reporting to Equifax that this is a true and factual Hard inquiry. I called XXXX XXXX the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.

Company response to consumer: Closed with explanation