BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to complete a short sale of my home for many months. Although once approved, the buyer 's lender backed out and declined to extend financing to the buyer based on the repairs required to my home. I did receive a new cash offer, but it was lower than the prior offer. My short sale agents reached out to FHA directly to discuss the value and condition of the home. We were advised by FHA directly that their value estimate actually increased from $ XXXX to $ XXXX and that they would require an offer netting above 84 % of the new, increased value when my agents corresponded with their representative, XXXX XXXX, as of XX/XX/2020. The buyer was immediately countered, accepted an offer meeting the FHA required minimum net proceeds, and all paperwork processed to provide the servicer and FHA the offer as of XX/XX/2020. The servicer 's representative, XXXX XXXX, advise us on XX/XX/2020 that my property has not been eligible for a short sale since XX/XX/2020. This is not anywhere near consistent with what FHA advised us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: LA
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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Consumer Portfolio Services, Inc.
State: AZ
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:
this is not a duplicate your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX in XXXX ny was closed down, due to law suits against them. Unfortunately anyone whom attended before XXXX had to continue to pay their school loans. Anyone currently attending at the time, loans were forgiven. I lost my job at the time and was married. I called navient to lower my payments enough where I could make minimum payments however they denied me a income driven repayment plan or any plan. Instead they offered loan forbearance. Letting me accure interest. Since I had no choice and they gave me no other options or alternatives, nothing to help me just forbearance. I started off with a {$32000.00} loan now {$37000.00} loan and I've been paying since XXXX now its XXXX. Im complaining about how the school has never given me options and continue to not give any other options til this day. Their exact words " you've exhausted all your options ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The only time that i have ever had a Nordstrom account was in XXXX when i was married but my name was never on the account.. That was my husbands.. I recently had my credit pulled and i noticed a Nordstrom account that was listed as having 5 late payments in XXXX. I have never owned this card and am having a difficult time getting it removed from my credit report. Please assist me in getting this account removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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 XXXX XXXX am responding to this response from Experian : Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. 

I XXXX XXXX did send this complaint and request to removed and blocked the items listed on my FTC 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 2019-09-04
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XXXX XXXX XXXX began reporting this account derogatory in XX/XX/XXXX. It was only when I retrieved a copy of my credit report on XX/XX/XXXX that I noticed this erroneous, inaccurate entry on my reports. I have not received any correspondence from this company regarding this entry. XXXX did not provide a dunning letter as required by law thus violating my rights to dispute the validity of this claim. 

I have never did any business with XXXX nor have I ever entered into a contractual agreement with them. XXXX should have provided : *An agreement that states their authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of their bonding agent for collection agency in case legal action becomes necessary Further, XXXX should provide a copy of the financial responsibility page as well as any and all documents that bear my original signature and consents to XXXX having access to the alleged information associated with the alleged debt. Too, XXXX did not allow me to request that they cease any and all collection activities and reporting until I can validate the alleged debt. 

It appears that XXXX is in direct violation of my consumer rights and therefore, is negligent in reporting this entry on my credit reports. DELETE this entry 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 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2017 Bank of America had advertisments on XXXX and search engines about 100 bonus for new customers who opened accounts by XX/XX/XXXX and had at least 250 deposited within 90 days of opening the acct. I signed up online and met the direct deposit requirement and theyre now refusing to honor the bonus because they said i did not use the proper link when there was nothing said about a specific link or code. They then ran a similar promotion which expired in XXXX ... but theyre not honoring the bonus.

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 2021-07-08
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACIMA CREDIT XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Bison Recovery Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep receiving numerous calls from Bison Group - " wanting to ask questions regarding XXXX '' ( my son ). " What is your relationship to XXXX '', " What is the current mailing address for XXXX '', " Where does XXXX work '', when I refused to give any info gave me an attitude then said " I will contact another relative '' - then proceeded to call and leave messages with his dad, his sister at college, his girlfriends mother, his girlfriend -- guess these show up as possible relatives on a XXXX search/social media. Asked where girlfriend worked- all kind of crazy invasive questions. Wont stop calling all of these people who have nothing to do with XXXX financial life even if XXXX did have outstanding financial obligations to this company which he does not. Rude, deceptive people who are out to trick people

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 2 hard inquires from Capital One on my credit report. First one is XX/XX/XXXX. Institution on my report Cap One XXXX XXXX XXXX, UT XXXX, phone no. ( XXXX ) XXXX. Second hard inquiry was on XX/XX/XXXX. I have not applied for anything with Capital One or affiliated with them. I do not have a card or account with them, this is concerning hard inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just refinanced my mortgage. My mortgage broker sold the mortgage, unfortunately, to Wells Fargo. The first communication that I have received from Wells Fargo is that they do not have proof that I have hazard insurance. I do have insurance but it has not been paid this past month because the mortgage broker took a while to sell the mortgage ( XXXX XXXX ) due to an error that we pointed out when we signed the refinance documents. My homeowners insurance ( which includes hazard insurance ) is now supposed to be paid by Wells Fargo themselves on my behalf through my new Escrow account. Instead of looking into the circumstances, sending my information of the purchase of my mortgage, informing me that I have to pay XXXX ( my homeowners insurance ) contemporaneously, they chose to send me an initial letter in which they threatened to buy insurance on my behalf which will ( 1. ) be more expensive and ( 2. ) provide less coverage. This seems consistent with Wells Fargo 's practices of forcing unnecessary financial products on customers. Over my 5.5 years with a mortgage held by XXXX, I have not once had any problems. In my first communication with Wells Fargo, I have already have problems and ones consistent with their well known practices in the industry.

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 2021-07-08
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX am appealing the loan modification denial. I am XXXX XXXX XXXX and a victim of elderly abuse. My son during the year XXXX pandemic was supposed to be paying the mortgage. But not until early XXXX did I realize he was not. I applied for a loan modification and have been denied. On my denial letter it states I do not make enough income to support my mortgage. That is incorrect, I have a pension and part time work and can afford the mortgage payment of {$2000.00}. It also states I was decline because the value of my property exceeds the balance of the loan. This is also incorrect. My property has equity and I am NOT upside down on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: MI
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:
I signed up with XXXX  XXXX  and set my payments for the monthly XXXX on XXXX. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I RECEIVED SEVERAL COLLECTION LETTERS REGARDING CREDIT CARDS THAT WERE OPEN IN MY NAME AND NOW THERE ARE BALANCES DUE. I HAVE NOT OPENED ANY CARDS BECAUSE I AM UNEMPLOYED AND HAVE BEEN FOR THE LAST 7 YEARS. I DON'T HAVE ANY INCOME AND I DEPEND ON OTHERS TO HELP ME OUT. I HAVE BEEN GOING THRU XXXX AND XXXX  ISSUES AND I DON'T HAVE THE CAPACITY TO DO SO. I AM THE VICTIM OF ID FRAUD AND HAVE BEEN FIGHTING AND BEEN HAVING SOME OF MY FAMILY MEMBERS HELP ME CLEAR MY NAME. PLEASE CLOSE THE ACCOUNTS AND REMOVE THEM FROM MY NAME AND CLEAR THEM FROM ALL THREE CREDIT BUREAU REPORTS AS THIS ISN'T ME OPENING AND PUTTING CHARGES ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
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:
I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX XXXXXXXX and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXX XXXX  XXXX XXXX updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.

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 2021-07-08
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:
There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with Equifax on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX on XX/XX/21 with no response from the company. I dont know how else to let Equifax know this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Conn's, 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:
I have open an account with Conn 's and has set up auto payment. The account has been paid for and I chat with Conn 's customer service on XX/XX/2020. He assured me that it was wrong and has submit for closed account and all negative make on my credit report will be delete. However it still showed that my account is open and I am late on payment. I called again on XX/XX/2020 and got my case to escalate to revolved and provided me with ticket number. The representative said someone will call me back within 5 days to resolve the problem. Still no called and my credit report showed that I was 90 days late on account.

Company response to consumer: Closed with explanation