BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: VA
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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
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: Account information incorrect

Complaint:
I been disputing for months, with Experian and XXXX and the company, LATE PAYMENTS on XXXX-XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.

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 2015-08-19
Company: Reverse Mortgage Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. 

The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.

Company response to consumer: Closed
Consumer complaint received 2015-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. 
With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX | Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with XXXX. Cavalry, LLC works with " XXXX '' XXXX XXXX as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX OH # XXXX XXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXXXXXXXXX

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 2016-12-12
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a brief summary please see attached letter. 
Also Attached : Power of AttorneyOrder Appointing Guardian and ConservatorBB & T LetterBB & T Bank StatementThe Only Money that was deposited in that account was father 's social security checks. 
As stated in the attached letter, over the past 7 months, I have been to XXXX BB & T branches ( XXXX, VA XXXX, XXXX XXXX, VA XXXX, XXXX, VA XXXX, and XXXX, VA XXXX ), to try and prevent all that has occurred. Each time, I received different responses from all XXXX branches regarding POA. Also, XXXX different branches provided conflicting responses regarding conservatorship. Now the calls I have received from XXXX XXXX and XXXX XXXX have different policies as well. My experience is that BB & T does not have a consistent set of policies and procedures to regulate guidelines governing POA or conservatorships. This situation caused undue stress on my father and the bank 's actions have made an arduous situation even more austere as my family and I have to fight on another front to recover my late father 's stolen, hard-earn funds. All of this compounds the great pain and loss we are dealing with because of his demise. 
My dealings with BB & T have left several unanswered questions:1. Why was a Counter Check allowed to be cashed when father was in the XXXX XXXX? 
2. Why was I initially allowed online access to my uncle's/father 's brother joint account from XXXX/XXXX/15 to XXXX/XXXX/15, once it was brought to the attention on XXXX XXXX, I no longer had access? On the morning of XXXX/XXXX/15, I set ATM limits to XXXX and they were removed. 
3. Why did I receive conflicting information on whether I had access to close joint account? 
4. Why did I receive conflicting information on putting a debit hold on the joint account? 
5. Why did teller say she thinks POA was revoked, when it could only be revoked in writing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Merchants and Medical Credit Corporation, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans took {$500.00} from my checking account as a " Loan Fee '' and said that it would be returned once the loan was approved. They also told me that my union, XXXX, would give me a {$500.00} gift card for applying for this refinance mortgage. XXXX has no knowlege of such an offer. NOW I 'm told that the {$500.00} was a fee to be used for appraisal ( when this XXXX XXXX assured me that Quicken Loans did not charge for appraisals AND I 'd get a {$500.00} gift card from XXXX ). I was told by customer service that the appraisal and other fees were spelled out in some document I signed. This may be but XXXX XXXX stated otherwise. IF Quicken Loans TOOK {$500.00} a day from everyone served and only approved XXXX of the applicants, I 'd say this was one XXXX scam! My credit score was above XXXX at the time of the loan request. JUSTICE PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Square Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've been dealing with incompetent representatives since XX/XX/XXXX and unlawfully closed my case without resolution and consent. There have been over 19 email exchanges, XXXX interactions pinpointing their flawed accounting data. They have refused to respond to my additional correspondences. In addition, I want to file a complaint for accounting fraud, in violation of consumer rules, laws and regulations. I've made it clear to them I would be filing a complaint if they do not respond and gave them a final notice. They have blatantly disregarded my concerns and unlawfully hoarding my funds. 

The account started with {$8.00} and I added {$75.00} on XX/XX/XXXX totaling to {$83.00} balance. I attempted to make a {$75.00} purchase but was declined. Each time it was declined, my funds became unavailable. So, I added another {$75.00} but was declined again and my cash was taken out. Because I was utilizing a 10 % rebate promotion, the system credited {$7.00} which is why I have a current balance of {$91.00}. They released the {$75.00} hold which they corrected voluntary. But based on all the declined purchases, I should have a balance of {$160.00} which the representatives have disregarded. They also confirmed they were having technical issues. They keep saying they refunded both {$75.00} but they haven't. I believe they misread the numerical data and mistook {$75.00} for {$7.00} in their spreadsheet ( also attached ). I am requiring the {$75.00} returned that is rightfully mine and compensation for the issues they have caused including their unprofessional ism and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Original creditor passed a fraudulent debt on to MERCHANTS CREDIT GUIDE who has been harassing me non stop. I have no documentation of this debt on my XXXX XXXX XXXX coverage. I am ready to take this to an attorney. I want Proof of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TD BANK US HOLDING COMPANY
State: KY
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 received an email from XXXX informing me that there was a recent change to your information so I reviewed it and noticed that Nordstrom was on there and I never applied for no credit card. I immediately called them and they validated that it was me and that all my information was used based on what would be on my drivers license the lady said and they knew my whole SSN. I informed her to mark it as fraud and she did according. The lady informed me to call Social Security but they said there is nothing they can do for me and to call the credit bureaus. I called them and since I have an active fraud alert on my account they advise that I freeze my account for every single one which I had done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a usbank reliacard unsolicited through the us mail. They didn't even have my name correct on the card. I do not appreciate the offer and I consider it harassment and I feel that it opens the door to fraud and identity theft. I have no desire to do business with us bank and I want them to cease and desist with this harassment.

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 2020-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to 5/3 bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: Reverse Mortgage Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: OH
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 have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


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 explanation
Consumer complaint received 2017-01-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.

Company response to consumer: Closed with explanation