BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, Our mortgage loan is held by a company called Select Portfolio Servicing ( SPS ). We fell behind on our payments this year after I lost my job, and we are ( technically ) in default. We attempted to obtain a loan modification from SPS, but they refused to work with us, not willing to make any compromises on our previous predatory loan terms.

Earlier this year, a wind storm damaged our roof beyond repair. We took out a construction loan to replace our roof, and we also filled a claim with our XXXX XXXX homeowners insurance. Of the {$6100.00} XXXX XXXX allocated to replace our roof, our insurance coverage paid {$4300.00} with three separate checks. On XX/XX/XXXX, my wife and I both endorsed these checks and sent them to XXXX ( Hazard Insurance Claim Dept. for SPS ) along with all the other ( extensive ) documentation that SPS request concerning the roof replacement. 

In the meantime, we paid our roofing company the entire cost of the roof replacement from our roofing construction loan. Now SPS refuses to release the {$4300.00} in insurance remittances we sent to them nearly 3 weeks ago. Every time we call these guys to get our money, they come up with a new ( creative ) excuse why they can't release these funds.

We have another claim for interior damage for which we have yet to hire a new contractor, and we are worried how we will pay this new contractor when SPS deliberately delays the return of our insurance reimbursements. How are we supposed to pay our contractors with SPS sitting on our insurance money for such an extended period of time? 

Sincerely, XXXX & XXXX 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 2018-06-18
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello ; Cashcall charged this debt off without notification of collection, and it remains on my credit report. I request that Cashcall either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX 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 2019-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

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 2018-06-09
Company: EQUIFAX, INC.
State: GA
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 recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Equifax, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Equifax was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX/ XXXX onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently serviced by XXXX XXXX. On or about XX/XX/XXXX, Rushmore received {$100000.00} from Keep Your Home California. The proceeded to misapply the funds, which has trapped me back into foreclosure. There is a foreclosure sale date set for XX/XX/XXXX. Listed below are my primary concerns. 

1. The statement on XX/XX/XXXX shows a suspense balance of - {$53000.00}. I am assuming this is the surplus money from the XXXX payment from Keep Your Home California aka KYHC. Why did KYHC issue a check for such a large amount when account was around 48K past due? Did Rushmore make that demand? If so, that constitutes fraud on their part. KYHC is due to run dry of funds before the end of this yeartwo years before the designated end date of XX/XX/XXXX. The fraud links directly to a government entity, which means that False Claims Act Qui Tam applies. I SIGNED A DEED OF TRUST FOR XXXX, SO ULTIMATELY I WAS RIPPED OFF BY RUSHMORE.AGAIN! 

2. Why is there a deferred principal balance of {$87000.00} listed on the payoff? 


3. KYHC was applied a large part of the XXXX towards principal. KYHC is a program designed to assist unemployed home owners catch up and make regular monthly mortgage payments.not pay down principal.again The False Claims Act applies. 

4. The loan never should have never been modified on XX/XX/XXXX,  since it was current from the funds KYHC paid.THIS MAKES ABSOLUTELY NO SENSE! The only reason is was modified, was so that Rushmore could hide the excess money paid and reset the clock. They did not want the dirty accounting from the original loan lingering around.especially if they tried to sell the loan via portfolio to a new investor on XXXX XXXX. 

5. The corporate advance fees listed below have extensive foreclosure fees, attorney fees and litigation fees that need to be accounted for. They need to show invoices from the alleged law firms that were paid.which they likely will not have. 

Breakdown of the corporate advance balances paid : {$200.00} FPIR ( FC PROP INPSPEC ) {$3300.00} FCST ( FORECLOSURE COSTS ) {$2600.00} FFEE ( FORECLOSURE FEES ) {$14000.00} LFEE ( LITIGATION FEES ) {$47.00} BCTC ( BK COURT COSTS ) {$36.00} BCST ( BK COSTS ) {$800.00} BATT ( BK ATTNY FEES )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights. Section 611 ( a ) states that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has now been over 80 days since my original letter was sent. The bureaus have a payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.

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 2019-01-07
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:
I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX  XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank is not sending my Closed Credit Card account to Collections and continue to charge a monthly Late Fee. The Balance is not correct and inflated unlawfully I believe. I will be consulting an attorney when my health improves so I can seek Arbitration as I am currently dealing with multiple health issues which are not being improved upon by the stress of this situation all as a result of poor fraud protection by this Company. 
I am disputing the Balance owed and want the Account sent to Collections immediately then a payment plan can be initiated after the Balance owed is Corrected.

I would also like to make note of the Unfair reporting of this Account as Late since the Account is Closed and should be sent to Collections.

I have bills that Synchrony Bank keep sending me showing the Late Fee and will submit if needed.

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 2018-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Bank Of America, and owned my home for 23 years.I was never late just one day in 2013 i ask the bank about a refi to help lower my payment, They told me about there hemp program so we went threw the process and they lowered my payment and everything was all set they told me several times. for over a year or more i payed them and was again never late then after the 13 or 14th payment they refused taking anymore payment and fought with me and said i never payed them. I had all copys of the cashed checks to them and they put down on my credit i never payed. So then i hired a lawyer to help with this a to make a very long story short the judge denied me a trial and never gave me the time of day so they took my home and i cant appel it because iv spent so much money fighting this and the XXXX federal judge at te end said " check Mate '' what ever that means. This is mind blowing and unfair. I even ask our attorney general for help and XXXX XXXX and still no one will et back to me. Can someone please contact me and help with this. 
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 2022-03-29
Company: Experian Information Solutions Inc.
State: AL
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 called Experian and spoke with XXXX about an incorrect address reported on my credit report. They didn't investigate, but told me to call XXXX XXXX ( XXXX ) XXXX. I called and they refuse to remove it stating it isn't hurting anything. I keep explaining that it isn't my address and if I have to verify my account for one of the credit bureaus that I won't be able to to because that information is false. 

1 ). XXXX XXXX XXXX XXXX XXXX Maryland 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 2018-12-05
Company: Bread Financial Holdings, Inc.
State: NV
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:
XXXX  has been non-compliant with removing the unverified account XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, 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:
According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 1681 23 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on myreport that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ]  All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX ACCOUNT NUMBER # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 

XXXX  XXXX XXXX ACCOUNT # XXXX This account states I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but i was never late on this account and the creditor has agreed to remove these lates and report this account paid on time. 

XXXX/XXXX Account Number # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 



XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX, ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I was charged {$35.00} over draft fees for purchases that havent received XXXX to my account, deposits were made before the transactions posted to my account and I was charged {$35.00} each day bringing my account to a negative status. I called customer service and was told nothing could be done. How can I be charged a. Overdraft fee for transactions that never posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-09
Company: Experian Information Solutions 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:
There is a medical collection on my experian credit report. I called the creditor and they stated that this would be removed. It has been removed from the other two reports but not Experian. I filed this complaint before and Experian lied on the response stating that this was not on my credit report when it is. This violates hipa and needs to be removed asap. Experian has now extended this investigation to an additional 30 days.

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 2018-06-09
Company: Southwest Recovery Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
[ See ATTACHED Credit Item from my Credit Report ] ... This month, XX/XX/XXXX, a Collection Account for {$1300.00} from Southwest Recovery Services was placed on my Credit Reports ; Collection Account # XXXX, with a opened date of XX/XX/XXXX. The ORIGINAL CREDITOR shows as XXXX XXXX XXXX XXXX. I have NO KNOWLEDGE of ever doing ANY business dealings with XXXX XXXX XXXX XXXX. Additionally, I have NEVER received any WRITTEN DEBT VALIDATION from the Original Credit or the Collection Agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know

Company response to consumer: Closed with explanation