BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We started with XXXX, sold to XXXX. Went thru a trial modification with XXXX and were told we we APPROVED FOR PERMANENT MODIFICATION, never received papers and then told " sorry, miscommunication, you 're not approved ''! Started MHA program application and XXXX sold loan to Select Portfolio. Have submitted docs to SPS thru HUD agency but SPS always says they never got them. HUD agency never got an answer from them so now they serve foreclosure notice. Sent SPS QWR but they send one doc and that 's 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 2021-04-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-04-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management is trying to sue me after I submitted a debt validation letter by certified mail. They were also motioned to dismiss in court after failing to meet the laws of the ( FDCPA ) & ( FCRA ). In my validation, I requested they first show proof they own they debt, and copies of all charges and statements to validate the amount. Under law Debt collectors must prove that they own the debt when they file a lawsuit. When debt is sold or assigned prior to the lawsuit, proof of the assignment must be provided and a written assignment must be attached to the lawsuit. 

All they showed me was a statement with an amount. That's it after a few months. They only proved that they have a statement which I don't owe. They are known for and sued in the past for such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
During the COVID-19 crisis on XX/XX/20, an automatic ACH payment on my Amex Card from XXXX XXXX was showing as pending on my XXXX account. I immediately transferred the money from my XXXX line of credit to my operating account on the same day as the transfer. However, XXXX denied the amex payment and Amex had to represent the aCH payment on the next business day. The payment was then processed on that next business day and Amex immediately got their money. However, Amex is insisting on charging a {$39.00} fee, and made me spend over an hour arguing with it while they repeatedly apologized and passed the buck. At the end of the call though, they still refused to credit me the {$39.00} and just wasted over an hour acting like they might and passing the call to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

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 2021-11-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2017 a delinquent balance was reported to all credit bureaus of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AUTOMOTIVE CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I am showing a hard inquiry on my credit report from AUTOMOTIVE CREDIT CORP I have not been to a dealership/car lot to purchase a vehicle, and I certainty have not given anyone permission to use my information, nor agreed to co-sign for anyone. Please investigate into this a remove if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
. I requested a copy of the online application filled out online to get this credit card. Did not receive it. May I have a copy of the online application used to get this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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:
I never applied for this companies, never received benefits. 
I didn't sign any contracts or agreements with this companies.

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 2021-11-15
Company: Exeter Finance Corp.
State: AL
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 have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( XXXX ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with HomeDepot ( Citibank , N.A . ) and had established a credit limit with them that they have consistently reduced every time I have paid a portion of a balance down on the card. They have told me it is due to what they get reported back to them by the credit bureau each month. However, the only time they do it is when I have made significant payments on promotional balances to pay them down or off. Most recently, on XX/XX/2020 I paid {$1000.00} on my card and then on XX/XX/2020 I paid another {$2800.00} which paid off a promotional balance of over {$6500.00}. On XX/XX/XXXX they decreased my credit line to {$100.00} over the current balance of the card which decreased my credit line {$3300.00}. This has impacted my credit score and report by showing that I no longer have a large open credit line and a decreased available credit on the card. They are now showing the card to be utilizing almost 100 % of the available credit which has created an unfair reporting on my credit and affected my score as a result.

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: Experian Information Solutions Inc.
State: CA
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 XXXX  Account # XXXX US DEPT OF EDUCATION XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please eliminate the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00}

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 non-monetary relief
Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that BOA had sold their XXXX units to XXXX XXXX, an out of state acquisition company. A meeting was held on XX/XX/XXXX, by the new purchasers. At this meeting, we the few owners were informed that because they ( new owners ) were the majority stakeholders, they could do away with the condo Bylaws. Thus the Bylaws were amended and the new board appointed. 
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Dovenmuehle Mortgage, Inc.
State: NC
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:
XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: MB FINANCIAL, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XXXX mortgage payment on XX/XX/2018 at a MB Financial branch. The statement generated on XX/XX/18 reflected the XXXX payment as not received. I called and talked to a customer service rep who stated there must have been a delay in processing. I have received several automated calls from MB Financial stating my XXXX mortgage payment was not received and my XXXX payment is late. I paid XXXX 's payment on XX/XX/18 at a MB Financial Branch. I have both of those receipts along with my cancelled checks reflecting both payments were made on time. This has been an on going issue with MB Financial and their payment processing delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: VA
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:
I was a victim of identity theft, and someone tried to open credit accounts by impersonating me. XXXX XXXX  is one of them. On XX/XX/XXXX credit inquiry was made. I have filed police compliant about it, also I had filed dispute with credit reporting agencies. Moreover I had filed complaint with XXXX XXXX  too, but they have not got the inquiry removed from my credit file. Neither have I received a response from them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2020-04-14
Company: EQUIFAX, INC.
State: PA
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 had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted documents for consideration of modification to my mortgage servicer multiple times and they say that they did n't receive all of the documents, or that the case was still under review. I have received multiple notices of my " Relationship Manager '' being changed from the servicer, Select Portfolio Services. They have listed the wrong dates on when they received my documentation ( XXXX should have been XXXX ) and have said on multiple calls that my case was " under review ''. Recently, they closed the review and have a foreclosure sale scheduled, despite my many attempts to pursue home retention options. They have acted in bad faith. I was told that my only option was a " cash for cooperation '' program and tha an inspector would contact me to schedule an appointment to evaluate the value of the property. After not hearing anything for a week, I called the servicer again ad was told that the customer relations specialist " must have forgotten to send the email '' to the department that schedules inspections. I have filed for assistance with my local Clerk of Courts for foreclosure mediation. The servicer can not give me a firm timeline of when I would have to vacate the property. I can not move forward in finding a place to live without a timeframe. I asked to speak with amanager after not being able to get answers and was told that my case would only be escalated for review if I had a solid offer on the home from a qualified buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation