BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage payments. This is regarding XXXX XXXX XXXX XXXX WV XXXX. 

My financial hardship began on XX/XX/XXXX when the state of XXXX WV saw a huge increase of COVID-19 cases due to the nature of my work, which I work for a XXXXXX/XX/XXXXin the XXXX  XXXX  handling money and dealing with customers our Department was minimized and hours and wages were cut. Our facility ended up closing due to stay at home orders, during this time my wages stopped I was not able to pick up any shifts and was not able to work any overtime not only did my mortgage suffer but all my other bills as well I struggled just to put food on the table and keep my lights on. 
Once I returned to work hours and wages were not the same as we were still struggling with COVID-19 making the changes at work was not easy and staff was placed at 50 % occupancy with many departments including cash cage closed this limited the amount of hours available and since I am in the percentile of possibly catching the XXXXhours were given to the younger staff. 

I submitted to SPS several times trying to seek loan modification assistance but SPS continues to decline any assistance. 

Most recent I submitted on XX/XX/XXXX to SPS faxing all required documents as stated by an SPS loss mitigation officer for assistance. On XX/XX/XXXX when I called to get a status update a representative for SPS stated they will not review my documents since can not reduce the payment to an affordable amount, keep in mind I am currently on a 12.5 % rate and only owe XXXX on my home I feel that SPS has plenty of ways on assisting me to get back and current but I feel that they are only interested in my home! 

They have not stopped any foreclosure on my home while I work with them for assistance, I feel that this is in violation of my home owners bill of rights but as stated on the CFPB also Dual tracking, I've asked SPS on several occasions who is my contact there but they have never assigned any specific person to hear me our or to work with me. I need help! 

If SPS had no intention on properly reviewing my documents, then why when I called in to request help they advised me to fax in all documents just to deny me. I think SPS is trying to strech out time to allow me to fall more and more behind just to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Minnesota has a statute,13.016, which provides that a security freeze may be lifted by a person if the person provides any form of information which identifies the person. Notwithstanding this law, Experian will not lift a security freeze unless the person provides information about where that person has lived for the past two years. It enforced this policy in XX/XX/2019 when I sought to lift the security freeze on my credit report temporarily. I have sent Experian the statutory cite and a copy of the statute. It refuses to accept the fact that Minnesota law is different. Where I have lived for the past two years is nobody 's business. I should be able to use my social security number to prove my identity.

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 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.

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 2018-01-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom this may concern, I have recently been doubling my efforts to pay back my student loans. I have not missed a payment in the 10 years that I have been attempting to work off my debt. I borrowed nearly {$65000.00} in private student loans for a XXXX degree in XXXX. I still owe {$60000.00} after 10 years of paying. 


Providing that much money for a XXXX in XXXX should be illegal. It boarders on a predatory loan. I have been lucky enough to find a job that allows me to afford to pay back my loans, but it took much personal sacrifice and deprivation. 


Here is a list of my loans and the percentages of interest that I am being charged : XXXX 5.5 % XXXX 4.5 % XXXX 7.5 % XXXX 6.5 % XXXX 10.5 % XXXX 6.5 % XXXX 10.5 % The loans numbers are respectively : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


This is sickening that I am being charged interest rates at this level. I have already paid the money back that I borrowed and now I am being gouged for interest. How can I be charged interest rates at this level? My first car loan was less then 5 %. My credit is excellent and I have a stable job. It is awful that Navient is making money on the backs of people that are responsible enough to pay their loans, but do n't have enough money to have a life because of it. 


Thank You, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: CO
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 recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XXXX but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX funding is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

XXXX. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had verizon and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

XXXX. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX Colorado XXXX, CO XXXX, and XXXX names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my 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 non-monetary relief
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
At the top of COVID 19, I was unemployed and looking for work. I informed Capital One that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. Capital One still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an electronic debt letter from Hunter Warfield located at XXXX XXXX XXXX XXXX, XXXX, FL. I am not aware of this company and have never did business with them. When looking at the letter I notice violations of : 15 USC 1692b ( 5 ) 15 USC 1692e ( 10 ) 15 USC 1692b ( 2 ) The letter was also in violation of 15 USC 1692c ( a ). 
Again, this company is completing identity theft, I have not done business with this company. Please remove off my consumer report and provide compensation for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Marlette Funding, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
have already started investigation into this company, wish to add more information to assist you in helping me. 

XXXX about MARLETTE FUNDING , LLC - also XXXX XXXX XXXX ) XXXX-XXXX XXXX XXXX 4 years in business Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX See More Contact Options BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in DE Type of Entity XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer XXXX XXXX XXXX, CEO XXXX XXXX XXXX, Director of Operations XXXX XXXX XXXX, Chief Marketing Officer Business Category Consumer Finance Companies See More Business Categories Service Area We service the following area ( s ) : Delaware Alternate Business Names Marlette Funding , LLC See More Business Information BBB Reason for Ratings BBB rating is based on 13 factors : Get the details about the factors considered. 

BBB Reports On Licensing Advertising Review Government Actions Out of Business Misuse of Better Business Bureau Name/Logo Bankruptcy Mail Returned BBB accredited business XXXX XXXX  BBB ACCREDITATION SINCE XX/XX/XXXX A+ BBB Rating System Overview Customer Review Rating : 87 % 11 % [ 946 ] Positive Reviews [ 23 ] Neutral Reviews [ 118 ] Negative Reviews [ 1,087 ]  Total Customer Reviews [ 149 ] Total Customer Complaints Composite Score : XXXX XXXX has received 4.84 out of 5 stars based on 1,087 Customer Reviews and a BBB Rating of A+. 
Share your experience XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX I sent a letter regarding an accurate 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 ), 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 as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-05
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been pre-approved a mortgage loan by Penfed credit union on XXXX, XXXX, got offer then go through all the loan process, however the underwriter denied my conventional loan process had issues interpreting the guidelines I found out attached links are proof improperly interpreting the guidelines XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . We have a longstanding policy on eligibility for non-U.S. citizen borrowers. XXXX XXXX purchases and securitizes mortgages to non-citizens who are lawful permanent or non-permanent residents of the United States under the same terms available to U.S. citizens. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Eligibility Requirements ( XX/XX/XXXX ) XXXX  XXXX XXXX Eligibility Requirements. XXXX XXXX  purchases and securitizes mortgages made to nonU.S. citizens who are lawful permanent or non-permanent residents of the United States under the same terms that are available to U.S. citizens. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) Equifax : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal information is incorrect, I have never used the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ; for purchase or to obtain credit. 
I have disputed these names with Equifax years ago and was informed that someone fraudulent used bogus names to establish credit ; and that names will be removed. Apparently, matter hasn't been resolved. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear XXXX Action Revenue Recovery I called to inquire about the negative they placed on my account. According to the Fair Credit Reporting 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 service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that Action Revenue Recovery have on file on the account listed below.

I have not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe Action Revenue Recovery or have any contractual obligation to pay them. 
I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.

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 2019-02-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Priority account on XX/XX/XXXX with a targeted mailer for a promotional offer of XXXX XXXX XXXX miles after qualified activities. I completed all activities on XX/XX/XXXX and confirmed with Citi bank on XX/XX/XXXX. Please see attachment. 

Citi indicated I would receive the bonus on XX/XX/XXXX. I contacted Citi again today and they are now saying there was no enrollment for the offer on my account. This happens repeatedly with Citibank and going through their customer service is useless. 

Cfpb is the only way to force Citibank to honor their offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt sometime ago with this same collection agency. They could n't provide validation and this account was removed from my credit report. I paid the original creditor in full and do n't owe them a penny. After this debt was removed this was placed back on my credit today with no notification no letters no contact after removal. I do n't like there dirty collection tactics, I cant not be forced to pay I debt I do not owe I do n't not have a contract or account with this company and I need this account removed again and never put back unless they can provide me a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

American Express has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my XXXX report and I have contacted XXXX and was told that American Express has NOT informed them to delete the inquiry. The inquiry date is XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 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