BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter because SPS lies about not giving me a sale date. On XX/XX/2019 SPS said that I did not have a sale date, however today I received a letter dated XX/XX/2019 stating that I do have a sale date. The sale date case after I sent a QWR dated and received by SPS on XX/XX/2019. I talked to SPS today and they told me that they are not going to respond to the QWR sent on XX/XX/2019. They also told my bank XXXX to freeze my account because I sent them a QWR. SPS is working with XXXX XXXX and XXXX XXXX XXXX to threaten me into doing a short sale. I want the XX/XX/2019 sale date stopped and I want SPS and XXXX XXXX XXXX to stop calling my bank telling them to freeze my assets. I plan to sue SPS and XXXX XXXX XXXX for the threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received one letter, dated XX/XX/XXXX, from Phoenix Financial Services stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 found debt on account in amount of {$1900.00}. Ex-spouse obtained loan during my XXXX using my name after trying to have item removed amount on credit report jumped over {$3000.00}.

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: Nationwide Recovery Systems, Ltd
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had multiple odd run-ins dealing with a certain hospital in that I may or may not receive a statement and won't have a clue if it's filed with insurance, etc. until I receive a debt collection notice from this collection agency. I notified them that I needed validation of this and received a hospital bill. I have never done business with this company and I have not signed away my rights for them to have any access whatsoever to my medical records. I can not get information from the provider and I can not get information from this collector. At the moment, they have a {$470.00} and a {$51.00} item on my credit report yet I do not have information giving me the information I have asked for. Furthermore, I dislike the fact that I am not made aware of what is owed by the provider and then I see the information provided to the credit bureaus. Again, I have not done any business with NRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove inquiries which I do not recognize and which are not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: STATE FARM BANK, FSB
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
State Farm Bank , F.S.B . repossessed a XXXX XXXX XXXX in my name in XX/XX/XXXX from a residence in XXXX, TX. The car was sold at auction sometime in late XXXX. 

State Farm Bank , F.S.B . has placed a {$5300.00} collection account on my credit report for the deficiency balance. 

State Farm Bank , F.S.B . failed to provide notice of timely ( within 10 days of the repossession ) intent to sell, per Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614. 

State Farm Bank , F.S.B . also failed to provide documentation of the sale price of the vehicle and the amount of the deficiency balance as required by Texas law. 

According to Texas Business & Commercial Code Sect. 9.625, State Farm Bank F.S.B.s failure to comply with Texas state law vehicle repossession statutes entitles me to damages, which I am  prepared to pursue through legal counsel. 

I demand that State Farm Bank , F.S.B . immediately delete this collection from any and all credit reporting bureaus. Failure to comply will result in legal recourse against State Farm Bank , F.S.B . for violating Texas repossession laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making all payments to my loan. In fact I have been paying in excess of my monthly payment. The problem is that they are not applying the excess to my principal but rather they are using it as a pre-payment for the next month. 

I am tying to reduce the principal and payoff early. But they keep this from happening by using my excess payment to " pre-pay '' future payments.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on Equifax, XXXX, and XXXX, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last month Regions Loan XXXX # The modification was approved. The documents were printed with my ex-husbands name on them. Had to be redrafted. My home is in XXXX and im working interim in XXXX New docs XXXX out to my XXXX address and i returned immediately with notary however one page had an additional extra witness signature required that the notary here in XXXX stated was not necessary. Hence the documents were denied and a second set was set back to my home in XXXX and i was waiting on them in XXXX  the same address that they had just sent them. I was then told to download the XX/XX/30 docs from XXXX. I did and later that evening received an email that my deadline was last Friday the XXXX. 

Tuesday XXXX after over 20 calls and email unreturned i left two voicemails. Many disconnects on their line and no one at any of the three extensions that i had. 

Today i made my payment on time and submitted the corrected documents with a copy of my divorce decree a third submission. As of XXXX pst i was told that underwriting was not going to accept my modification paperwork. 

I am filing a complaint in a few minutes when the supervisor XXXX XXXX returns my call. 
I have never had regions successfully return a phone call so im very concerned that nothing will happen My home has equity and my loan is 300,000 plus.

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 2021-02-23
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019, {$620.00} I have tried to dispute this debt, I have no knowledge about My address is XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX I have no knowledge of this account.. please delete this from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I paid my mortgage as usual ( automatic payments ) Towards the end of the month in XX/XX/XXXX, I got the the money credited back to bank account. When I finally got in touch with someone ( after numerous attempts of being left on hold for 40 minutes+ ) they  explained my taxes hanged therefore my payments increased slightly. Because of the increase, my payment wasnt considered a full payment so it was returned. I asked about being informed of this and was told I should be getting the notice any day. Why wasnt told about this prior to the payment due date?!?! Needless to say I sent a double payment to cover XX/XX/XXXX and the XX/XX/XXXX payment which was refunded, enough to cover the increase. I have paid every month since! I continuously get calls and letters and that I am in default of my mortgage! I called 4 times! First, they apologized and explained that since it was a double payment they applied the additional money to my principal rather then applied it as my regular payment. I continuously call and Im told they fixed it and reapplied my payment appropriately and the calls and letters are an error and to ignore them. However, they are saying my loan is in default and have reported consistently to my credit that I am not paying! When I called and explained this they told to write a letter to the credit bureau!!! But yet I got another letter today saying Im in default and get calls from them 5 times a day asking to call them for a collections matter!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; On XX/XX/2018.

While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business 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 2018-05-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX appears on all 3 credit reporting agencies showing different balances, same balance, different dates, same dates, XXXX balance, and also showing closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX is blocking XXXX from accessing my CapitalOne account. So, effectively, pushing me to use other banks. XXXX is a legitimate financial institution with all appropriate permits and licenses. It is NOT a CapitalOne360 business how I use MY money, as long as it's lawful. Please stop CapitalOne360 discriminating millions of customers!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on XXXX, XXXX, and TransUnion, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.

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 2018-05-25
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: Problem with personal statement of dispute

Complaint:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX  credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX  XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!

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 2018-11-21
Company: Experian Information Solutions Inc.
State: MD
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 writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit  Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business 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 non-monetary relief
Consumer complaint received 2020-10-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9200.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.

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