BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-04
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Global Lending Services LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Global Lending Service XXXX XX/XX/2016 {$2300.00} This account has caused me financial ruin. this account is fraudulent, and inaccurate. Please review the debt reporting act. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was inquiring about a home refinance loan and Quicken Loans. Told him that I did not want my credit pulled unless he could get me an approval. Gave him full info up front- that I was only on the job for 4 months- told him several times my score was verging on XXXX and did not want it pulled. He said he would work with me for an approval and pulled my credit. At the end of the convo he told me that he could not get me approved because all of Quicken Loans require a 2 year job history. I have the FULL chat transcript available. I believe this was complete unethical behavior and lowered my credit score to a XXXX thus far, may still be dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing XXXX Inc., is the WORST company I have ever dealt with in life! Since XXXX, XXXX, I have been trying get the mortgage ( in my deceased father 's name ) lowered. I have consistently filled out paperwork, and sent in requested documents over and over again. ( I have those documents as proof along with dated receipt emails from Select Portfolio Servicing , Inc. ) My latest attempt has been to go online and request a modification/assumption ( or whatever the latest option ). However, I received a letter from Select Portfolio Servicing stating that my home would go into Foreclosure and up for sale on XXXX XXXX XXXX. I am attaching a letter I wrote to them in XXXX XXXX. It pretty much sums up the situation. I believe Select Portfolio Servicing has deliberately put me off, by loosing documents, and requesting them over and over again. I had an appraisal done on the home. I contacted them about it, they said it was no long valid because it was over 90 days! I did n't know that! They have done checks on my credit so much that I asked them not to do it anymore because they were Hard Hits! I have met with a XXXX XXXX XXXX to help me with my troubles. I feel somewhat of a relief, but I still have foreclosure hanging over my head. This mortgage company seriously needs to be investigated. I 'm sure other people are experiencing, or have experienced somewhat of the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Late Dates 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 2022-07-26
Company: CCF Intermediate Holdings LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Speedy cash has used multiple debt collectors Like XXXX XXXX located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the XXXX XXXX time zone while California is in the XXXX XXXX XXXX XXXX I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all XX/XX/2020. 

The 1st done on XX/XX/2020 is from Roadloans.co? 
2nd XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Servatus Corporation
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. 
I received a XXXX for the debt in 2013. Which was included on my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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 submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
DEPTEDXXXX  XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX  XXXX Balance : {$400.00} ; XXXX/XXXX  XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/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 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Awhile back I believe I talked to Trans Union or one of those credit companies because I saw a huge drop in my credit score. I received my entire report over mail and then I noticed everything was in good standing. Could you please tell me why my credit score dropped? 
" 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. '' This is what XXXX XXXX told me is one reason why my score is not good. Along with that I keep opening new accounts rather than stay with one company. I do not like that. I like having no APR for a year and I think I should not be penalized for opening new accounts with different banks when I pay them 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 2016-07-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is not helping me at all! It all started with my forbearance plan and was trying to extend it but my home specialist never returned any phone calls and so it expired. Now trying to modify the loan and not even asking for pay stubs! There r a number of issues my court date is XXXX XXXX 2016 I will fight to save my poor little house. I work XXXX jobs and the specilist is reading from a screen help me please! I know I 'm 1 of many! Thank u XXXX XXXXXXXXXXXX

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 2020-08-05
Company: LJ Ross Associates
State: LA
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 sent letters to the company LJ Ross and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to LJ Ross on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have problem to submit mortgage payment since   XXXX   XXXX     until now   XXXX   XXXX    . The bank BPPR :  Banco Popular of  PR never contact me. I received a letter from a legal firm on   XXXX   XXXX   XXXX     indicating that they represent the bank and will begin foreclosure proces s one mon th of the letter receiving. This action doesnt reflect a good will attitude from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX : {$480.00} XXXX. XXXX Account Number : XXXX XXXX : {$510.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2019-12-30
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:
Equifax refuses to furnish XXXX XXXX with my credit report when I apply for credit with them. They have hindered me from applying for this account which XXXX uses Equifax for new applicants. I have tried to resolve this with Equifax and it appears to be a glitch they refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, 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:
COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT  SHOULD BE REMOVED PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Ocwen Financial Corporation
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX, the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed, the refuse to send me my original estimate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was an account holder at XXXX in XXXX for several years until the Bank became BB & T. Every month I have a direct deposit of about {$3500.00}. After paying several bills and spending a few dollars around XX/XX/XXXX I had a posted balance of {$1300.00}. Out of that amount I spend {$1000.00} leaving me approximately {$260.00} or something. With that balance I had XXXX items pending which added up to less than the amount. Although I had money in my account, I was charged a {$36.00} fee for something that overdraft but I was not in the negative. Also, a {$65.00} return item was submitted with this positive balance. So I called the bank to get an explanation and with much argument, the rep finally added up the amount that was spend and came up a total amount spent was {$1000.00}, which was less than {$1300.00}. When I asked why did I still have {$220.00} posted on my balance the rep informed me that that the amount was not a real amount and I did not have that amount in the bank. So I went into a branch on XXXX XXXX XXXX in XXXX and after speaking with the Branch Manager about this issue, since they had deducted all this fees out of my account there were other items that was pending and in order not assess fees I would need to deposit {$400.00}. Still not clear about why I have so many fees when I still have money in the bank. I gave the Branch Manager {$400.00} where he deposited {$410.00} at the teller window for me confirming that the next morning, after the few items post I should have a {$14.00} balance. The next day BB & T had charged me for the items that were in pending status that I deposited money for the day before. Not only was this an issue, these last three months I have noticed that they have been holding pending items for over 3 days or after the merchants have requested the money according to my investigation. Furthermore, I noticed that I bought some chicken from XXXX XXXX for {$5.00} and they had this amount both in pending and posted at the exact same time. My balance is never what it is supposed to be. On many occasions I have been locked out of my account for several days and unable to follow my transactions. I have had to call the bank to access my online account because it is continuously not available or blocked. Right now, BB & T has me owing their bank over {$300.00}, while I deposited {$410.00} to eliminate fees.

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 2022-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation