BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS THE XXXX TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX, XXXX XXXXXXXX XXXX , XXXX XXXXXXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX , XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: First Data Corporation
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went to XXXX in XXXX, NC and wrote a check for {$57.00} The check was improperly denied. I received a call number slip with Telecheck as the point of contact. The denial code I received was Reason XXXX XXXX XXXX. I spent XXXX minutes on hold and I was abruptly dropped as soon as my call was transferred to a live person. I demand a copy of my Telecheck credit report. Also, if Telechecks fails to clear my file and resume authorization of check writing, I will have no choice but instruct my Chapter XXXX Bankruptcy Attorney, XXXX XXXX of XXXX in XXXX, NC, to file a Federal against Telechecks. 

Telecheck should know that their competitor, XXXX, engaged in similar practices and had a Federal lawsuit brought against them. XXXX lost the lawsuit had to pay XXXX in fines and punitive damages to customers. If need be, I will bring a similar lawsuit against them and if need be, find others to pursue a multi-party class-action against Telecheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised Select Portfolio Servicing and XXXX XXXX XXXX ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. Both SPS and XXXX sent letters advising the sale was rescheduled. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP 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 2022-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter initiating " collection action '' for a purportedly unpaid utility bill. The mailing address was correct, and I have an account with the utility company, but the addressee was " XXXX '' ( I have a residential address ), and the account number given was not mine. I have never received a bill from the utility company with that addressee name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: J. Scott Watson
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Loan Science, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am in receipt of your online. '' I am upset that your credit reporting agency ( Experian ) would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

1 ) I have call XXXX and talked to XXXX XXXX X XXXX and she stated XXXX never validated info with Experian and similar response from XXXX XXXX. 
2 ) You never investigated XXXX delinquent date which was XXXX XXXX. Expired in XXXX XXXX 3 ) Please re-investigate of all these accounts XXXX delinquent date 4 ) It is past 7 years in XXXX XXXX If you have any questions, please contact me at the address listed below. 

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 non-monetary relief
Consumer complaint received 2015-09-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been attempting to assume a mortgage loan from Nationstar Mortgage since XXXX 2015. During the process there were various documents that I needed to supply to the loan assumption department of Nationstar Mortgage. Documents included Loan Application, Rental History, Bank Statements, Tax Info and Title info. Please note that Nationstar did not or has not provided a telephone number that leads directly to the Loan Assumptions Department. Nationstar only provides a mailing address and fax number. 

Starting in XXXX of 2015, I sent the initial completed loan application to Nationstar via certified mail. After about a month I received a mail notification from Nationstar stating that pages were missing from the application packet. I resent the missing pages via certified mail again. Month after month I receive mailings from Nationstar stating that they have not received several documents. I resend information over and over again via certified mail, email and and/or fax. Time after time I receive mailings stating that I am missing documents. 

Today I received a mailing from Nationstar stating that they have not received XXXX last document and if they do not receive it in the next two business days, they will close the case. 

This is extremely frustrating because Nationstar does not provide any way to confirm receipt of documents and there is no one to speak to for any feedback whatsoever. It is now XXXX XXXX 2015. The process began in early XXXX 2015. There is no one to call. Email messages are not replied to and fax gets no replies. I have sent documents via certified mail, email attachments and fax. I do not know what to do next. Nationstar Loan Assumptions will close the case in two business days and there is no one to assist me and no way to confirm that Nationstar has received any documentation. I have no clue of what can do to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. 

I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. 

Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.

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 2017-01-13
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a loan estimate for Quicken Loans on a new construction home. The loan estimate is what I used to select the mortgage company I selected. Quicken 's loan estimate indicated a {$2200.00} Adjustment/Credit, which I inquired about. I was told by the loan originator that it was money collected from closing which would be forwarded to other parties, such as insurance and HOA dues. This seemed to make sense because I had explained I did not want to escrow my taxes or insurance. The " cash to close '' amount is specifically what I used to proceed with Quicken, rather than the builder 's mortgage company, who was providing {$2500.00} incentive to close with them ( XXXX ). 
A week before closing, my loan estimate went up by {$3000.00}, even though they removed the homeowners insurance amount, as I paid this up front with the insurance company. When I inquired about the jump with mortgage loan originator, he referred me to his supervisor, XXXX. XXXX explained the problem was a calculation error and that it had to do with pro-rated taxes which the builder was responsible for which was no longer available since the loan moved from XX/XX/XXXX to XX/XX/XXXX. 
After I researched on my own about what Adjustments/Credits should include, I found that what both the originator and supervisor explained is simply not true. My understanding is that the Adjustment/Credits would include items collected in the loan and other charges section, which would be paid by someone else and not the buyer 's responsibility. 
So now I 'm confused as to why the ever had a credit listed on my loan estimate, which was never a valid credit to begin with. It seems to me this may have been used to lure me with a lower cash to close, only to remove it once my loan was close to closing so I had no choice but to continue with the loan. I 'm providing a loan estimate received on XX/XX/XXXX which had the credit, and the recent loan estimate dated XX/XX/XXXX with it removed. No explanation ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On the XXXX XXXX 2016, while trying to get my report online, XXXX kept telling me " unable to complete your request '', I then tried XXXX and Experian and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at the XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the XXXX website. I was advised to file a police report and need the credit reports to do so.

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 2015-08-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Our buyer was countered to XXXX. We requested a copy of the BPO and found that the comps they were using were an average of XXXX miles away up to XXXX miles away. On XX/XX/XXXX we provided market comparables supporting the offer price of $ XXXX. 

We believe this is a manufactured value. On which planet are values from XXXX to XXXX miles away used to originate a loan or make any kind of credit decision? 

We are seeing this on most SPS files right now. They are directing their valuations team to come up with inflated values. Values that are not realistic in any sense of the word. On this particular file, it looks like the BPO agent was instructed to randomly pick properties around the county that would get them a full payoff. 

Attached is SPS 's BPO and the agents response. Note that SPS 's has purposely pulled values from up to XXXX miles away to justify their counter offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had disputed the reporting of a paid NY state tax lien with Equifax. I sent a certified letter with proof of payment from the State of New York. Citing a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I asked for this to be removed from my credit report and to show proof of investigation within 30 days. 

I had received no response from Equifax for now 60 days. I have repeatedly reached out in hopes to resolve the issue with no response back from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i being threatened by pressler and pressler from XXXX til now XXXX i almost lose my child in XXXX from them threatening me every day i just over it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Home Point Financial Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
HomePoint Financial is my mortgage servicer. The loan number is XXXX. I am in the process of selling this house, and I have a buyer who is going to assume the mortgage loan. 

This is an FHA loan and HomePoint is not allowed under FHA and HUD regulations to impose restrictions on a loan assumption as long as the new buyer is creditworthy. 

HomePoint started the process of the loan assumption, and then today notified me that they intend to sell my mortgage to another loan servicer on XX/XX/XXXX, and that they will not complete the loan assumption. They are permitted to sell my loan, but selling it right now imposes restrictions on my loan assumption and is contrary to FHA regulations that they are obligated to uphold. They are essentially imposing a bureaucratic 36-day delay on the loan assumption process that is untenable. This delay will have serious and unavoidable consequences for me. My buyer will back out, preventing the sale or assumption of my current home, and the rate lock for my new home purchase will expire, making that home unaffordable due to the higher interest rate, and I will lose {$5000.00} in earnest money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief