BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage servicer Select Portfolio Servicing, Inc. ( SPS ) provided a trial modification dated XX/XX/XXXX. In which the first trial payment was to begin on XX/XX/XXXX. 

XXXX ) Select Portfolio Servicing, Inc, ( SPS ) was made aware on XX/XX/XXXX, that the our financial situation had changed and the trial payment of {$2900.00} would not be affordable and we requested a new review for a lower payment because of the with the current information regarding our lower income. 

XXXX ) Select Portfolio Servicing, Inc, ( SPS ) however provided a denial letter of modification and then stated that would not review the file for a reduction in monthly payment as previously stated. Instead, SPS entered a sale date for XX/XX/XXXX, and continued to refuse any and all options for loss mitigation assistance. 

XXXX ) We however never turned down modification but requested a second review which SPS stated they would provide. SPS stated they would be willing to look at other options However, they have to this date continued to deny any assistance review. I believe SPS has decided to foreclose on our home because they think they can turn a profit and are stripping us of our equity, by forcing a foreclosure sale date. 

XXXX ) The actions of Select Portfolio Servicing, LLC are consistent with XXXX XXXX. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street ReforXXXX and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

XXXX ) SPS has established a history of misleading practices pertaining to CFPB guidelines and Dodd-Frank Act which I have detailed in a Qualified Written Response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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 am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX POSTED XXXX XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX  XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XXXX & XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX  POSTED ON XXXX XXXX XXXX  POSTED ON XXXX & XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX & XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit 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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company continues to show delinquent account older than XXXX years. I have sent written communication to remove incorrect information with no change. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: RI
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a XXXX account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.

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 2022-11-15
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:
Equifax seemed to ignore my appeals and neglect its duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess XXXX is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IT NOW! 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A company called XXXX XXXX XXXX asked us to apply for a refinance loan on our current mortgage company UWM. They told us that they could help lower our payments to better afford our mortgage. We applied and within a month they had us paying them a lesser amount for the mortgage and said it would take a couple of months to be granted a new loan amount. We paid XXXX $ roughly a month for 8 months. I found out later that they had dissolved their business and had taken the payments. This started in XX/XX/2022 and ended in XXXX 2022 for the amount of XXXX XXXX They secretly without our knowledge and consent filed a Forebearance application under our name and SCAMMED us out of the money promising a cheaper mortgage payment. I can provide the necessary paperwork that XXXX XXXX XXXX had us file if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me 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 2022-11-01
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Every month the XXXX XXXX XXXX  sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent two letters for validation to XXXX XXXX XXXX on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to transunion credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
My XX/XX/2023 American Express credit card statement included a charge for {$1.00} for interest. I found out that this was " carried interest '' by calling customer service to ask why there was an interest charge when my prior month 's statement was paid XXXX full and here were no purchases during the current billing statement. The agent told me that carried interest is applied for 2 months after the card is paid in full. This seems unfair and greedy. The agent told me that there was an explanation of carried interest on my XXXX statement. I looked at it and read it back to him. I told him that there is no mention of the 2 month period in the statement. He agreed. He also agreed, at the beginning of my call, to waive the interest. 

I don't know if this practice is allowed by law but the statement should be complete. Otherwise it is not informative of the terms. 

Here is a copy of the description of carried interest in the credit card statement : " About Trailing Interest *Indicates posting date You XXXX see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called " trailing interest ''. Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your balance in full ( or if you have a XXXX balance, by paying your XXXX XXXX on your billing statement ) by the due date each month. Please see the " When we charge interest '' sub-section in your XXXX XXXX for details. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an online purchase with my TD credit card on XX/XX/22 that had a time-sensitive arrival. The merchant ( XXXX XXXX XXXX ) failed to make good on their promise to get it to me on time. While working out a resolution, the merchant stated they would provide me a full refund. Over the course of a month, I continued to reach out the the merchant, who would then not honor the original commitment to provide a full refund. They ended up completely ghosting me ( wouldn't return my emails ). I maintained excellent records of all emails sent back and forth to prove the merchant rightfully promised a refund. 

I reached out to TD Bank on XX/XX/22 to dispute the transaction. They provided written confirmation by mail that they were initiating the chargeback and would notify me when the matter was resolved. They provided the case number XXXX. 

On XX/XX/22, TD Bank mailed me a notice stating ( summary ) that they had tried to reach me by phone and mail for information, and since they did not receive a response, the case was to be closed. I received this notice on XX/XX/22 and promptly called their dispute department. 

I explained that I had never received any written communication requesting information ( which can be proven by my subscription to XXXX Informed Delivery ). The clerk stated they would reopen the claim and asked that I fax requested information to them. I promptly gathered the email chain as proof of the interaction with the merchant, adding a detailed letter, and faxed it to the number provided. 

After several weeks without any update, I called the dispute department again on XX/XX/22. After a very long hold, the clerk was not able to provide much new information, only that the fax I sent on XXXX was received and the transaction was still being investigated. 

After another week without any update, I called the dispute department again on XX/XX/22. After several holds and several transfers, I was told it could still be weeks for an update. I explained I would would be initiating a claim with CFPB, as it had already been 104 days since I initiated this dispute. The clerk stated I should open a new claim, which they could attach all of the previously provided information. They stated this would be the best way to get this dispute in front of those that can make a decision. I allowed this, as I simply wanted to get this claim off of my radar and hear the determination.

Company response to consumer: Closed with non-monetary relief