BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have tried to work with current mortgage servicer, Select Servicing Portfolio to reduce my monthly payments around $ XXXX/month as I have had a significant income reduction and they have not been cooperative. 

When they did propose a new payment, it actually went up substantially to over $ 2k/month around $ 2,800/month. 

I want to keep the property and they have not been cooperative and are quick to assign the account to a foreclosure process to some attorney, whom I am not even aware of.. 

There is an account relationship manager, whom I have spoken with once to mitigate this situation. 

They are basically illegally trying to foreclose on this property and when they took over the account from XXXX XXXX, there was a discrepancy in the mortgage balance and they have yet to give me a clear answer on the actual principal balance and have insisted that I'm behind by 2 months. 

I have asked them for payment history and trying to work with them to resolve any discrepancies with principal balance taken over from XXXX XXXX. 

Meanwhile, also to resolve the situation as they're trying to illegally foreclose on the property in spite of the fact that I have made some form of payment even if it's not full payment every month. 

I have not received a sale date or whom has the account currently, whether a law firm or someone else. 

I have sent them the mortgage assistance application and they made their decision without fully analyzing the situation as I was told from a Customer Service representative. I was informed of this over the phone not an actual letter of their decision outcome based on what factors. This lender has been not very transparent with the interaction I have had with them. 

Thanks for your assistance..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Personal information incorrect

Complaint:
XXXX and Transunion have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at XXXX and Transunion on XX/XX/20. They refused to remove the inaccurate and incorrect information.

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 2023-03-22
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Yes I got an account with self Inc credit repair I completed it on XX/XX/XXXX and I will include and screenshot of the verification where it says that I was going to be deposited into my account on XX/XX/XXXX I have yet to receive it I have contacted him several times to no avail they have blocked it to where I can not chat with them they won't return any of my phone calls they won't return any of my emails the last time I spoke to someone was on XX/XX/XXXX and was told that it would be whenever because they were doing a review on it I said no I have verification where you said it would be deposited on the XXXX they are in breach of contract with me and I've given him plenty of ample time contact you know to see if y'all can help resolve this because the next step I'm taking is a lawyer they owe me {$540.00} and I don't think it's right for them to have a business like this if they're not going to uphold the standards of a contract that's legal and binding because had I filled to oblige to it I wouldn't get anything or they could sue me how is that right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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. 
XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE OPENED 2 CREDIT CARD ACCOUNTS IN MY NAME.I CONYACTED THE COMPANY AND THEY. I SPOKE WITHE COMPANY AND THEY SAID IT WOULD BE DELETED. BANK OF AMERICA MADE PAYMENTS ON THE ACCTS, THAT DOES NOT BELONG TO ME. MY CHECKING ACCOUNT INFORMATION WAS COMPERIMISED, WHOEVER STOLE MY IDENTITY MADE PAMENTS ON THE ACCOUNTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : BANK OF AMERICA # XXXX # XXXX OPENED : XX/XX/XXXX AMT, XXXX BANK OF AMERICA # XXXX # XXXX OPENED : XX/XX/XXXX AMT. 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 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX received a XXXX - 1099-c from Bank of America indicating that a credit card had been discharged in the amount of {$2900.00}. As I could not remember having a credit card in the last 10 years with Bank of America. I contacted them for more information. Bank of America customer service stated that the card was opened in XXXX and the last payment on the card indicated on the form, joint with XXXX XXXX with the last payment made on the card was in XXXX? The credit card number is XXXX, and the date of the identifiable event was XX/XX/XXXX. I had not received any communication over the years to indicate that there was an outstanding balance, or that the account had been charged off. Nor was I given the opportunity to remedy any past due balances. My wife XXXX pulled copies of our mortgage that included a copy of our credit report from XXXX. Upon review of the credit report, there are 2 credit cards reported for Bank of America. Once was opened in XXXX, # XXXX and in XXXX was reported as delinquent, and does not match any of the numbers listed on the 1099-C. This card also does not match any of the information that Bank of America provided me over the phone. The second Bank of America Card # XXXX, opened by XXXX in XX/XX/XXXX and had no balance on the card in XXXX of XXXX. Neither of these cards are reported as being joint cards. I would think that if the credit card number reported on the 1099-C would have the four numbers reported on the credit report someone in the credit card number line up. Neither card four digit number reported on the report in XXXX appear in the 1099-c account number. There are no other credit cards for Bank of America reported in XXXX that was opened in XXXX as a joint card with XXXX. I have highlighted the two Bank of America Accounts on the XXXX report. I also pulled my free credit report and there is no Bank of America Card listed as a charge off. I also have obtained copies of my credit report from other creditors and this account has not shown up as a charge off or an open account in the past 2 to 3 years. I don't believe this is our card and don't feel that we should have received this tax statement or that is should have been reported to the IRS as additional income. If Bank of America can provide the application with our signatures and tell me which account it matches up to on our XX/XX/XXXX credit report, then I will gladly claim this discharged debt as income.

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 2022-10-21
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2019-12-06
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Cavalry SPV I , LLC XXXX XXXX XXXX XXXX # XXXX, XXXX NY XXXX - Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX I - XXXX XXXX XXXX have been paying on this account ( XXXX ) since I had it. I only missed 1 payment, it was actually just late. My husband was in the hospital for XXXX XXXX XXXX. I got a call from XXXX collection & threat of a lawsuit. I have been paying {$55.00} a month, because that is all I can spear. My Social Security Check pays the rent & my husband 's job ( finally makes {$12.00} hourly XX/XX/XXXX ) pays utilities, medical & prescriptions, groceries etc. I lost my wallet in XXXX, and had to report the lost to the bank & other agencies. The bank we used has changed names 2 times ; and we have been homeless about 3 times since XXXX. An address change was submitted to the Post Office. I never stopped paying this bill. I only have proof of payments for the last 2 years XXXX & XXXX. Some of the payments went to XXXX XXXX XXXX ; some went to Cavalry SPV I. Your negative reporting is keeping me & my husband from getting into a less expensive apartment in a Senior Living Community. Please remove your negative comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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:
Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : Experian, XXXX, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to Experian, XXXX, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : Experian, XXXX, and Experian. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

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 2023-12-09
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to report to my credit report when they stated they would remove all negative and inaccurate information off of my credit files. In previous filings on this company to the CFPB they got in writing and on documents Case # XXXX that they would stop but the credit bureaus continues to report this information damaging credit and my life. I have proof to show how they continue to report an violate in the description below. They also said that they have verified this account as accurate which is in Violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Every representative that they have been telling me to contact never answers my call or email regarding my previous complaint.

Feels like deceptive practices.

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 2023-07-24
Company: EQUIFAX, INC.
State: MS
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, 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 2023-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My mortgage company is not updating the three credit reporting agencies, XXXX, XXXX and XXXX about the status of my payments. Since XX/XX/XXXX, my credit report indicates " No info ''. However, I have made all of my mortgage payments on time and in full since XX/XX/XXXX, thru today. I have sent supporting documentation to the credit reporting agencies for proof. This information was passed along to my mortgage company.

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 2023-11-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive requested several times for explanations on their overdraft fee policies over the phone. I was given 2 back and it still occurs weekly

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 monetary relief
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America won't let me open account online. They closed the one I had without reason.

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 2023-07-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX for {$1500.00}. The unverified account from XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.

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