BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This has been an on going process since SPS chose to leave a ups/fed letter at my front door with my final loan modification papers to sign and return. Everything else they send they send 9 times under 3 different names and I get 18-24 pieces of mail at my primary address as well as my formal address. The attached letter as you can see has my work address and was never sent to either my primary or my formal address. This just goes to add to there unfortunate ways they do business. My loan modification that took 2 years to get approved and I continued to pay the agreed amount of {$1100.00} was put to a stop when I called in XXXX 2017 asking for my final papers. They did send them XXXX/XXXX and it states left at front door. I never obtained nor was a signature required on such an important document. I should not be penalized for something so careless on there behalf. Why would I not return it when I fought for 2 yrs and 2 mediations to get this done. Now with no justification they want to increase my modification over {$600.00} per month in which my income does not support. {$1700.00} plus per month is more than 50 % of my monthly income. This is not justified and I should not have to continue to fight to pay my agreed amount in which the mortgage company I believe purposely set me up to fail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On this data, XX/XX/XXXX, Freedom Mortgage Corporation ( FMC ) refused my payment to bring the account current. I called in and spoke to 3 people, 2 supervisors, XXXX, XXXX XXXX XXXX? ) & XXXX. Each one of them refused my payment outright. I asked repeatedly for them to take and they all denied the request. I am willing, able and eager to bring the account current yet FMC is using revenge tactics to block stifle this account from being accurately processed.

I am still unable to make a payment online. FMC has blocked my online account since XX/XX/XXXX. I tried again this afternoon to get online and was denied access with no explanation or reason as to why they are blocking my access.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-02
Company: EQUIFAX, INC.
State: MO
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 contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is a dishonest company that sells online services that don't work, has an unhelpful staff, and provides incorrect financial data. They have been damaging my credit and reputation by posting false financial information and unverified accounts on my profile since 2019. 

My Transunion credit dropped XXXX points after I was able to remove two derogatory accounts from my credit report. 

I paid off thirteen accounts with revolving debs reducing all my balances to XXXX, removed two derogatory accounts that were listed on my profile, and they did not favorably update my credit score as I expected. My score inexplicably decreased by XXXX points. Transunion has caused extreme harm because of its faulty financial surveillance business model. 

Inaccurate payment history information prevents me from obtaining the credit that I'm trying to apply for because it's lowering my credit score.

This complaint is being sent to you in response to TransUnion 's erroneous reporting of financial information and the highly negative impact on 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 explanation
Consumer complaint received 2019-11-19
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im a vet. Went to XXXX XXXX XXXX place 4 years ago. Very XXXX XXXX XXXX. Had just moved to north MS had not transferred primary provider from XXXX to XXXX Ms. VA refused to pay all of emerg room visit. I got bill from hospital and presented bill to VA. I refused to pay part of cost. The partial amount went to collections. Franklin collections payed to get the account. 
What is owed is XXXX. But the collections company has not sent me any documents indicating that the amount owed for debt is any different than the amount that is on all three of my credit reports. The amount that Franknlin collections is trying to collect is XXXX. 
Am I liable for any amount that is not reflected on my credit reports? This amount of XXXX has been reflected on my credit reports for 3 and 1/2 years.

Also, if I pay the amount indicated on my credit reports can Franklin Collections add more to my outstanding amount owed on credit reports? If so then this debt collector can indicate that I owe an outstanding amount ever you time I try and pay each outstanding debt owed on my credit report. An infamous loop to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Basically They sued me over 11 years ago and still trying to collect im  XXXX  and have nothing ... I thought the statue was 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-10-22
Company: Experian Information Solutions Inc.
State: NJ
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:
on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit

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 2022-04-29
Company: FC HoldCo LLC
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:
In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer Reporting agency can not Furnish A account without my written Instructions.

15 USC 1666B : A creditor May not treat a payment On a credit card account Under an open end consumer credit Plan as late For purpose.

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 2021-12-06
Company: EQUIFAX, INC.
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:
Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: United Student Aid (USA) Funds
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 status incorrect

Complaint:
USA Funds/XXXX continuously report delinquent payments that fluctuates month after month from 90 to 120 to 190 back to 120 days when the account is paid/closed. Before the account was closed, during the time of the late payment dates, I was approved for loan rehabilitation and was making monthly payments on time. These inaccurate late payments are drastically affecting my credit score. I have reached out to USA Funds on different occasions about these inaccuracies and was informed that these late payment statuses could not be changed. I 've also disputed these inaccurate late payments with all 3 credit bureaus and received 'account verified ' after an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2. The next complaint is XXXX Community College is reporting the same debt twice on my credit report from Automated Collection Services and XXXX XXXX XXXX. Both have the same amount owed and paid. Automated Collection Services is showing XX/XX/XXXX and XXXX is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XXXX of 2019, I was told by Freedom Debt Services that their program would get me out of debt faster and save me money and give me piece of mind. I enrolled four items with them under the understanding that they would negotiate payment plans. so, far they did one, which was already started by me and mostly paid by me. they saved me {$78.00}. They have done nothing but allow the debt to go to legal status. They have negotiated nothing and it is become obvious they negotiate only after legal proceedings begin. I have contacted them multiple times and they never respond. They take money from my account every month and it is not used for my debt. they take fees from it and the remainder sits there instead of being used for my debt. I know I was XXXX, but they just kept telling me how this was going to take pressure off me. Even when I questioned the ethical issues of not paying my debt the woman said this was backed by a government program to help consumers and in the end the credit card company receives full payment. And I can not seem to stop the madness! They have no chat, calling means I sit on hold for long periods ( and can not do that at my jobs ) and they do not respond to e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reported identity theft and supplied a police report XX/XX/XXXX to Experian. They removed the account back in XX/XX/XXXX and placed it back on my report in XX/XX/XXXX but they didn't notify me in 5 days of the reinsertion per FCRA 611 ( 15 USC 1681 ) I spoke with a rep today XX/XX/XXXX & advised her of what happened she states they sent me notification within 5 days but when I asked her to supply the letter with the XX/XX/XXXX date on it she said she cant supply that and she can only give me a letter of what was sent with todays date on it. 

Im upset that these credit reporting agencies use these type tactics to get over on consumers and are able to do what they want. It's already alot that someone stole my identity then I have to go back & forth with the bureaus to follow the law.

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 2017-10-22
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I 'm going through a tough time at the moment I 've lost my job and recently took out a loan with amscot I 've had to extend it 2 times and I can again! I have lost of credit debit and I ca n't afford to lose money at this moment

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