BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In The SPS response on XXXX, they stated : Servicing Agreement In the inquiries, you requested to review the servicing agreement related to your account. Please note that such servicing agreements contain responsibilities for multiple parties unrelated to you as part of a securitization transaction. SPS will not be sending you a copy of the XXXX XXXX, as it is proprietary and intended for internal use only. Origination In the inquiries, you questioned several issues relating to the origination of the loan. While SPS services this account on behalf of the Noteholder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan. Noteholder Information In the inquiries, you requested clarification regarding your XXXX identity. XXXXXXXX XXXX XXXXXXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Trust is the Noteholder of the account, and SPS is the mortgage XXXX. 

How can a Servicing Agreement be proprietary when I am supposed to be XXXX of the parties to this agreement? Similar to signing a contract that you are not allowed to read! 
What is SPS hiding? 
Once again : My request is for the identity of the party who owns and maintains an unpaid loan account receivable, that is due from me to that party. 
SPS claims that the XXXX XXXX XXXX XXXX is the Note Holder I have had XXXX forensic title investigations that claim the my XXXX  was never added or included in this possibly non-existent Trust I once again ask for proof that my Deed of Trust was or is included in this trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NJ
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 1972 Fair Credit Reporting Act XXXX  Account 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. 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 2017-08-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX XXXX, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.

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 2022-08-03
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For many years I was a responsible XXXX XXXX XXXX XXXX member. I made payments on time and went so far as to put my card on a HOLD until I had the balance paid in full. I paid the balance in full on XX/XX/22 in the amount of {$150.00} with check # XXXX. That month XXXX XXXX was bought out by Marcus : by Goldman Sachs card. I received a bill for {$9.00} for XX/XX/22 and {$9.00} for XX/XX/22 for charges from a company that was able to bill the Marcus : by Goldman Sachs card. That company was XXXX. I called XXXX and learned that my account with them was canceled and that the bills to the Marcus card were made in error. I called and asked Marcus : by Goldman Sachs to open a case investigation into my account. I spoke to XXXX on XX/XX/22, then XXXX on XX/XX/22, and then XXXX also on XX/XX/22, from the Specialist department, XXXX, who stated that a credit would be applied in the next 2 billing cycles and that Marcus would call if they needed further information. I received letters with Dispute ID # XXXX and # XXXX informing me that the card disputes for {$9.00} and {$9.00} were credited to my account. However, the interest charges and late fees were NOT credited. I asked for disputes to be placed on the late fees and interest charges. Only the interest charge of {$0.00} was credited back. The {$40.00} late fees were NOT credited back. I called and spoke to XXXX on XX/XX/22 and then spoke to XXXX and XXXX on XX/XX/22. I was told by XXXX that the late fees were not reversed because the department that deals with late fees found that no error occurred. The Specialist XXXX said that she would put in another dispute for the {$40.00} late fees, however, she did not feel that they would get refunded because they had deemed it as no error occurring. XXXX did admit that the HOLD that I placed on the account when it was owned by XXXX XXXX was lifted during the conversion to Marcus : Goldman Sachs. I never authorized the hold to be lifted. I should not have a balance at all with Marcus : Goldman Sachs. I never made charges on the account. I was told by XXXX that I would need to make payments on the account anyway. I was told by XXXX that this was not an escalated complaint and there was no one else I could speak to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check onXX/XX/XXXX for {$5900.00} and waited for Citizens Bank to clear the check before using those funds for any transactions. I specifically asked them when the check would clear, they replied " tomorrow at 3 ''. I checked my account online and the funds were still pending when I asked that question. I checked and the funds were no longer pending and were now shown in my regular funds that are available on XX/XX/XXXX so I went ahead with the transaction onXX/XX/XXXX. The check for {$5900.00} was withdrawn onXX/XX/XXXX The check was " recalled by the bank '' according to the teller and I was charged with an overdraft. Even though I had waited for the check to clear before making a transaction. I would have never had made that transaction if I knew there was even a remote possibility of that check being recalled and the funds no longer being available. Now I 'm out nearly {$1900.00} from that transaction and the bank will not accept responsibility for their actions. I also just received a statement back for my overdraft with a copy of the check that is stamped " Altered/Fictitious '' ... Why was the check cleared in the first place if that 's the case? And why was it moved from pending to funds available on my online account? And why was I told it was recalled by the other bank that obviously does n't even exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: TN
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:
Accounts XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX   XXXX XXXX, XXXX  XXXX XXXX XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments

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 2022-10-24
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Paypal has a {$2000.00} negative on my account in error. I paid for an item to a seller that has an account with them and they did not send the item to me. I sent bank statements, and I spoke to them as of XX/XX/XXXX without any results to Paypal. I was refunded by my bank but Paypal says that I owe them {$2000.00}. I have copies of emails that confirm that the seller did not send the item ( designer bag ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has not contact number to dispute what they are reporting. TransUnion just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.

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 2017-08-13
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: Account status incorrect

Complaint:
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance  department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a XXXX  checking account with BMO Harris in XX/XX/2022 and completed all terms associated with a {$500.00} cash bonus. I had direct deposits totaling {$8000.00} during the evaluation period, greater than the {$7500.00} needed. BMO credited me {$300.00}, an amount associated with another lesser bonus. In an attempt to get BMO to resolve the problem, I called multiple times. Every one of the 4 times I called I could not make any progress toward a resolution. The employee that I got the farthest with said it appears that I did everything I needed to do to earn the {$500.00} bonus but he couldn't fix it or reach the department that could. XXXXwo calls were dropped. Once, I was transferred to a loud static sound. I have spoken with 4 people that were unable to help. I do not have hours to waste trying to contact this poorly functioning institution. I have completed the terms. BMO must follow through on its side of the agreement.

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 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from XXXX XXXX XXXX, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) XXXX   and TransUnion have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked XXXX and Transunion not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples 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 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the XXXX department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.

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 2018-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the Department of Education, USA, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from Department of Education, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XX/XX/XXXX-XX/XX/XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) Equifax and XXXX have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked Equifax and XXXX not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The consumer report lists a " developed name '' / '' former name '' ( XXXX XXXX XXXX ) for me that is not, nor has it ever been my name. " XXXX '' is my husband 's last name but I have never used it ever for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2020 I skipped 3 payments XXXX through XXXX received a letter stating I was approved to defer the payments. SP 's waited until XX/XX/2020 to send me a letter saying they were only applying 2 payments to the end of my loan. I called my service manager and let her know it was incorrect. They refuse to this day to correct the error making me one month behind in my payments for over 2 years now. I don't know what else to do. They gave me difficulties with this from the beginning stating my loan was not federally backed which I had to prove to them that it is. The letter they sent deferring only two payments is not even for the correct months they say XXXX and XXXX I started paying again in XX/XX/2020 and have not missed a payment since. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief