BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX we were sold to Select Portfolio Servicing by XXXX XXXX. We had made every payment on time with XXXX XXXX through an auto debit program the company had. We were sold and never told until we got a phone call from the new loan company. We were told that there would be no issues with our payments as we requested they be taken out on the 1st of each month. It never happened even as we gave our info. They called us only after we were considered " late ''. This continued over the last year with very harassing phone calls threatening with " Further Action ''. We were able to get assistance from XXXX XXXX XXXX to get us up to date. It was a grant getting us caught up. We called SPS and gave a principle payment to reduce the mortgage balance which was larger and had not seen a drop in the principle in some time ' after 14 years we now owed as much as we had in XXXX which was XXXX. 
This evening XX/XX/XXXX we got a call from these people stating that we had indeed missed a payment. " What? '' I said. After some going back and forth the woman on the phone admitted that indeed we had indeed made our payments up until the current month. It was XXXX payment due. I said, '' Well I can't go to the bank to make anything Its election day and they are closed ''. The month started on a Saturday and They are harassing me over a payment only due now? We feel as though this is a trend and the harrassing calls will continue. We are going to sell this house to get rid of these people. We want them to stop this behavior and we want to find out how our mortgage got bigger. We want them to cease the threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a vehicle financed through  Santander Consumer USA  from  XXXX    XXXX  . The purchase price was {$13000.00} two months go by before they applied a whopping {$12.00} on the principal in  XXXX  of   XXXX  . They have robbed me of several thousands of dollars during the time of purchase to the end of the car being totaled out due to an accident. I purchased the vehicle in    XX/XX/XXXX made my payments on time and the balance never went down. I was unaware of the fees that they were charging me! Since the car was totaled out my insurance company paid the vehicle off plus I had GAP coverage that should have taken care of the remaining balance of the loan. But somehow they are reporting that I still owe {$3400.00}!! There is no way that this could be possible!! I am in need of a new vehicle and am unable to obtain a loan due to their tactics. I also noticed that when my insurance company paid them they applied the amount in separate transactions and paid  XXXX  to interest!! That should have all went to the principal. I called and spoke to a rep and she had said that this was normal?!! I started researching this company and have seen all the lawsuits and complaints and feel that they need to cease their unlawful practice. I would like this item removed from my credit report due to the damaging and deceptive practice they placed upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Receivables Management Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a claim previously which was closed. the claim number is XXXX In the claim the Receivables Mgmt states " The balance is still outstanding at the hospital '' However, they report on my credit report to XXXX and XXXX that the balance has " been paid in full '' I have submitted screenshots of my credit report from both bureaus. 

I did not sign up for credit account with them. I have sent them validation letters to which they have ignored. And then they are reporting contradictory and false information. If I have a balance and my insurance didnt pay. Why are they reporting to XXXX and XXXX that the balance was paid? 

On page 4 of the document I submitted, which is my XXXX Credit report you can see where they are reporting that the balance is " - " and it states " Legally Paid in full... '', and also " Paid off : 100 % ''. On Page 3 of the second document, its states that the balance is " 0 Paid off 100 % ''. 

This is contradictory to what they are saying in my previous claim. If they claim i have a balance why are they reporting to the credit bureaus that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a mortgage through Cit bank in XX/XX/XXXX. At the time of getting my mortgage, I provided insurance information for both the condo building coverages as well as my own private insurance. In XXXX, they transferred my loan to " XXXX XXXX XXXX '' servicing center. 

Without notifying me or getting my consent, XXXX then decided in XXXX to start applying a " Hazard Insurance '' to my mortgage. I already have insurance, and Cit bank should have transferred this information to them when my loan was transferred. This is appalling behavior and should be illegal. 

I called in to addrese this on XX/XX/XXXX and spoke with XXXX, ID XXXX. She told me I had to call their " Hazard Insurance Department '' and then hung up on me. I have tried calling Hazard Insurance and their phone wait times are over one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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 sent a letter disputing 2 accounts as incorrect. I received notice that Experian received the dispute letter on XX/XX/2022. Upon receiving the results, I requested a reinvestigation of the accounts that we claimed to have been accurate or verified. I requested the following items upon the reinvestigation which included the investigation results, contact information for each creditor, any relevant information from the previous investigation and documentation used to verify the dispute for completeness, accuracy and appropriateness. I received the results VIA EMAIL and did not receive any information f the investigation. These accounts were claimed to have been accurate or verified by Experian, just putting them on my credit report without my consent and without my knowledge of them being 100 % correct.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2018-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

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 2018-04-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello The loan servicing company is rejecting my mortgage payments. I have been in contact via the mortgage specialists XXXX XXXX and XXXX XXXX. So far I have no response why the loan service co is not accepting my payments, although in the last payment I have overpaid the loan servicing company.

Sent an email to XXXX XXXX Received no response. Sent another one and XXXX XXXX  referred me to XXXX XXXX. No response.

Here is the last email.

XXXX XXXX  <XXXX> To : XXXX XXXX Cc : XXXX  XX/XX/XXXX at XXXX XXXX Please provide customer with response. Thank you, XXXX XXXX XXXX is not providing a response. He is on a mission to bankrupt me. He is delaying his response on purpose so that my payments are late. He asked me to send a little over {$6000.00}. I sent over 10000 and he did not accept my payment.

Here is the bank proof that I have sent the moeny.

Dear XXXX XXXX : We sent this payment, but your payee rejected it and your bill hasnt been paid.

Payment to Rushmore Loan Management Service from account XXXX for {$1500.00}, to be delivered by XX/XX/2018 XXXX.

Please make sure you've entered all of the payees information correctly. If you make changes, you can try to send the payment again. If everything looks right, please contact your payee.

If you use personal financial management software, such as XXXX  ( R ) or XXXX XXXX ( R ), please look at your payment details for the most up-to-date information.

Have questions? We offer many answers, and other ways to reach us, at XXXX.

Please don't reply to this automatically generated email.

We know you have a choice of banks. Thanks for choosing ours.

Sincerely, Your Online Banking Team

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called in XX/XX/2020 or before and ask them to quit calling home phone ( XXXX ) and cell phone ( XXXX ) and person said she would remove numbers from the list. I have no debts due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX in regards of three items on my credit file I'd would like remove which I'm unaware of. which Equifax stated they cant remove the items and don't provide any information on how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Accnt # XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX  XXXX Ref ID : XXXX Current Servicer : Resurgent Capital Services LP Debt Paid for settlement of {$360.00} on XX/XX/2017 from original balance of {$450.00} Resurgent reopened debt reporting to Credit Bureaus attempting to collect the difference. 

Resurgents in false and inaccurate reporting adversely affected my credit score resulting in my denial of paid closing costs and down payment assistance programs because of a lowered credit score thus causing delays in my home loan underwriting process, higher mortgage interest rate and delays in my cleared to close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2018-06-18
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i have been trying to pay this bill for 3-4 months now, every time i've tried to make a payment it has been returned, or the tried to process it multiple times resulting in over drafting my checking account. i've contacted the company by phone and email and they haven't helped me to fix this problem. i had to close my checking account because they kept trying to process a payment that i didn't authorize, which was continually over drafting my account and causing me to have to pay over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been r eceiving automated phone calls from penn credit corp claiming that they are trying to collect on a debt from   XXXX   XXXX   XXXX   XXXX  . I have not ordered anything from    XXXX   XXXX   XXXX   in, more than 10 years. I paid late then but did pay  XXXX . I heard nothing from them for years but just started receiving the collection calls out of the blue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to XXXX XXXX XXXX to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.

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 2017-06-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX     2016, we were having trouble making payments on our loan from Specialized Loan Servicing as  the payment went up by a {$1000.00}. Our monthly payment went up from  XXXX  to  XXXX . We requested a loan modification and were finally approved in  XXXX     2016  after months of being given the runaround. Once we were approved for a loan modification we did 3 months of trial payments for about  XXXX . Once we got the official agreement, the payment went to {$2700.00}. Basically, we are back at where we started and ca n't afford that payment. Their customer service tends to be rude.  XXXX   XXXX  sold our loan to SLS and ever since then we have had a lot of problems. I feel like they tricked us and gave us temporary relief with the trial payments we could afford and then when it was time to make if official the payment went way up again. How does this even make sense. We are very frustrated with the process and not sure what approach to take next.

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 2017-06-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
All three bureaus deleted XXXX XXXX from my credit report at the end of XXXX. Within the next week of deletion XXXX XXXX XXXX appears on my credit report. There were no notification from this company that they were collecting any debt as a third party or anything. I requested a debt verification and a cease from collecting until the requested debt verification is verified by me. I do n't know if this company is licensed to collect debt. This company has not contacted or called me at all regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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 m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize you to furnish XXXX University on my consumer report. Please present me with permissible proof that I gave experian the right to furnish anything negative on my consumer 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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 XXXX XXXX : Balance {$470.00} Don't recognize account Looking forward to getting this negative items removed.

Company response to consumer: Closed with explanation