BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In response to the CFPB closing my complaint on XXXX, regarding incorrect addresses on my credit report - the CFPB stated We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint you indicate that there are incorrect items listed on your credit report. You are requesting these items be removed. Regarding two addresses, according to our records, the disputed information does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. However I have pulled my credit report on XX/XX/2022, 2 days after the CFPB closed the compliant and on the attached Experian credit report both of the erroneous addresses still exist. So either the CFPB did not adequately review my credit report, the CFPB did not actually review my credit report, or Experian gave an erroneous 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 explanation
Consumer complaint received 2015-09-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I asked GE Credit aka " Care ( sic ) Credit '' to set up my autodraft payments to avoid all interest payments under 0 % offer so that my XXXX would be paid in full within the 24 month offer. Instead, it was set up as " minimum payments '' drafted out of my checking account and now I have just discovered I 've paid over {$2000.00} in interest with a balance due of $ {$2900.00} on an original debt of {$3500.00}! When I spoke today with Synchrony Bank manager XXXX # XXXX she said the only way I could get a copy of my original instructions was to " subpoena them ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: Atlantic Recovery Solutions LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX, Settlement Director with Atlantic Recovery Solutions, LLC contacted my father via his cell phone and told him that ARS was trying to collect on a debt that I have. XXXX XXXX proceeded to email my father a document to his personal email stating that they are trying to collect a debt on behalf of XXXX. Per the FDCPA, it is illegal for a debt collector to share any information regarding a debt with a XXXX party other than the conusmer, their spouse or an attorney. My father called me and forwarded me the document that XXXX XXXX had emailed him. I immediately checked my credit report and there is no reporting of this debt with any of the XXXX credit bureau agencies. I attempted to contact XXXX XXXX to obtain more information at XXXX x XXXX and spoke with XXXX XXXX, XXXX of the account representatives, she then transferred me to XXXX XXXX at XXXX who states that she is their compliance officer. I gave XXXX XXXX my name and she asked for me to confirm my father 's phone number and his social security number. I told her that I would not give her that information. She confirmed the last XXXX digits of my SS # and proceeded to tell me that XXXX has been trying to collect a debt for unpaid overdraft fees on an account that has been inactive for XXXX years. She indicated that XXXX, the original creditor, another collection agency by the name of XXXX XXXX XXXX and finally Atlantic Recovery Solutions have been trying to contact me for XXXX years to recover this debt. I asked how they had tried to contact me and she told me they had tried to call and had sent numerous letters. I asked for the numbers that they tried to reach me-they had a list of XXXX phone numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and family members. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record. I told her that her organization was in violation of the FDCPA by sharing my information not only over the phone with a third party but also electronically. I also requested that a letter of validation regarding the debt be sent to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
IVE had a problem with this company before [ XXXX ] XX/XX/XXXX XXXX XXXX  withdrew funds from my account back in [ XX/XX/XXXX XXXX and XXXX and XXXX a dispute was file the total amount was return to my bank account capatil one bank, XX/XX/XXXX XXXX  posted a bill for {$900.00} and was paid this was for the funds for the {$200.00}, {$250.00}, {$250.00} paidXXXX  XXXX XXXX XXXX XXXXXXXX withdrew {$710.00} from my bank account again when XXXX received the total amount back in XXXX XXXX they should have contacted XXXX that the bill was paid they didn't and now XXXX have been over paid because XXXX XXXX  and XXXX didn't communicate with one another, now i want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged XXXX XXXX as her official Housing Counselor to submit this complaint on her behalf. Around XXXX XXXX XXXX contact Select Portfolio Servicing ( SPS ) the mortgagee who is the current servicer of her account. In order for them to quantify her for this special program for homeowners living on a small budget and can longer afford her home due the high interest rate of 10.75 %. This program is entitled XXXX XXXX Relief Program that allow homeowners to keep their homes under a paid in full settlement. Without any other cost to them. When she started reaching out to SPS she was current on her loan and was seeking an answer before the end of that first month never happen. After she had and requested that she be considered for this special program. This how the program works, after producing the required documentation the underwriter will closeout the loan. After XXXX XXXX faithfully submitted everything they ask for, now SPS is refusing to accept her income statement concerning her small pension of nearly 20 years to complete the transaction. They have inform us that they will not and can not accept the bank statement where both her XXXX is been deposit. She had inform SPS that the company only gave her a statement of of what her monthly pension will be and the company is refusing to send her any more statement concerning her pension, after informing SPS they are totally denying and workout option for her. They are using her pension as an excuse in order to keep her loan current rate as it is and force her into a foreclosure. This a predatory lending practice which violate Frank Dodd Predatory Lending Practice Act and Discrimination under The National Fair Housing Act. We are refusing to allow SPS to keep abusing Senior homeowners from practicing this negligence and unsound deceptive business practices. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently submitted a complaint in regards to late payments reported on my credit after a XXXX modification. I have since received notification the late payments would be removed which we are thankful for. Now I check my credit and the BB & T mortgage which should be our current mortgage provider is now marked as closed and the late payments are still showing. The XXXX mortgage has been closed and the late payments removed-this is accurate. Then there is a XXXX XXXX Mortgage showing Open-Current, but also has the late payments. Can you assist me with fixing this. 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 2022-05-13
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Here are a list of those accounts that have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: GA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX 's " unsafe and unsound foreclosure practices '' and use of forged and unauthorized assignment of mortgage is being perpetrated in state and federal courts in order to pursue a foreclosure and relief of stay. XXXX has and is continuing to use forged assignment of mortgage allegedly assigned from XXXX XXXX to XXXX in XX/XX/XXXX and XX/XX/XXXX. These assignments are signed by various known robo signers as vice presidents of XXXX and XXXX to proceed in a foreclosure and bankruptcy proceeding. XXXX claim it is the legal owner of the mortgage via transfer, assignment of mortgage on XXXX XXXX, XXXX in a foreclosure complaint. No evidence was presented into the court 's record as to the claim. XXXX is not the original lender, but a debt collector, attempting to collect on a XX/XX/XXXX defaulted debt. XXXX XXXX Mortgage XXXX is the original lender and filed for chapter XXXX bankruptcy on XXXX XXXX, XX/XX/XXXX. XXXX was granted a default judgment in XXXX XX/XX/XXXX, and a relief of stay in the debtor 's bankruptcy proceeding in XX/XX/XXXX, again without any any proof of legal standing. No valid proof of note or assignment transfer, a proof of claim was not filed or any legal valid documentation offered, but the state court default judgment. 
Upon noticing XXXX 's lawyer that there was not any valid recorded documents of the transfer, or an executed assignment in the recorder of deed on XXXX XXXX, XX/XX/XXXX, an executed assignment dated XXXX XXXX, XX/XX/XXXX was filed into the record and was recorded on XXXX XXXX, XXXX. The assignment was defective and is invalid for numerous reasons. On XXXX XXXX, XX/XX/XXXX, another assignment was executed and recorded on XXXX XXXX, XX/XX/XXXX. This assignment was not a valid assignment. However, the XXXX XXXX, XX/XX/XXXX assignment is being perpetrated into the state and federal court as a valid assignment from XXXX XXXX to XXXX Bank, who was in bankruptcy at the time of the alleged executed assignment. I have attached various documents, including a letter to XXXX in regard their deceptive acts, and other pertinent documents as proof of the issues involved. Thank you for your time in reviewing documents. I hope XXXX would resolve this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer changed to Fay Servicing as of XX/XX/2020. I contacted them because due to current situation I am in an extreme financial hardship. They approved my forbearance on XXXX. Then on XXXX made an unlawful withdraw of my full mortgage payment. Not only was this completely unauthorized AND happening while I am in forbearance, protected by the cares act ; I didn't even have an auto payment with my previous lender XXXX XXXX. I literally found out when I was at XXXX tying to buy groceries and my card was declined on XX/XX/XXXX. I had to sale things I need and use to try to cover the expenses and take take out a loan all due to this. On that day I emailed their customer service department as I will not speak with them since they will record our calls but not let me record on my end, too. They hadn't responded and withdrew the money again on XXXX. Now I have no avenues to even try to recover. I can't pay my bills, get gas or groceries. I've emailed again and even found an email for their CEO ; all have gone unanswered. I am ready to go to the media and an attorney but since I usually work in this industry, wanted one more formal attempt to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was benefiting from a program called the bi-weekly mortgage program with my previous servicer AmeriHome Mortgage from XXXX until XXXX. The main benefit is to cut short my repayment plan so I can own my home sooner, saving me in interest. My loan was sold and transferred to XXXX XXXX I believe at the end of XXXX. Because my loan was sold to XXXX XXXX, my participation in the bi-weely mortgage program was disrupted and I was unaware and was not notified that I was no longer in it. I called customer service and they told me that I could continue in the program but I would need to submit additional paperwork in the mail. I never received the paperwork to do so. Now as of XX/XX/XXXX, my loan was sold and transferred to PHH Mortgage. I called them and asked if they had such a bi-weely mortgage program. They said they no longer offered it and was discontinued some time ago. 

My issue is that people such as myself who were benefiting from the bi-weekly mortgage program, have suddenly lost this benefit through no fault of their own because the investor decided it was best for them to repackage others ' and my loan to be sold of to another servicer. Is it fair that I can no longer benefit from a program I was in because some anonymous investor without consent decides to transfer my loan to another servicer who doesn't provide the same level of service? 

I am asking you for guidance if their is something in the law or directive to rectify the matter? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive calls from American Coradius International about 4 times a week. They never leave a message, just hang up. Ive attempted to call them, but have been unable to speak with someone. I have no outstanding or unpaid debts.

Company response to consumer: Closed with explanation