BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX of 2023 XXXX XXXX XXXX XXXX sold my loan to Selene Finance. On XX/XX/2023 my insurance came due and Selene Finance did not pay the insurance policy as stipulated in the mortgage agreement. The independent broker that did the deal paid the insurance policy from his own personal funds on XX/XX/XXXX with the expectation that once Selene Finance paid the the insurance out of the escrow account as required, his money would be refunded back to him. It is now XX/XX/2023 and Selene Finance still has not paid the insurance bill after the numerous calls I have made and the supervisors I spoke to, each of which told me that the insurance bill would be paid and they never paid it. I am not being threatened by legal action because the broker needs his money back. I made calls on the following dates and Selene Finance has still not handled their responsibility, each time telling me they would pay the bill : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Both myself and my insurance company have sent them the declaration pages with the payment that is due and they have not paid. Last Friday, XX/XX/XXXX, the supervisor I spoke to said my file was erasing before his eyes and he needed to research and call me back. He never did. Today, XX/XX/XXXX, I received a letter they sold my loan. 

It was their responsibility to pay the insurance and owned the loan at the time the insurance was due and they need to pay it before the account moves to yet again another company. This is also the XXXX time this loan has been sold since XX/XX/2023, which feels excessive. 

Selene Finance needs to pay the total amount due of {$3200.00} asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX and Certificate of Title was issued on XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on titleXXXX XXXX XXXX  attorneys pulled an official title report in which the chain of title shows the following : Assignment of Mortgage - XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX Assignor, to Bank of America XXXX N.A., Assignee, recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from Bank of America, N.A , Assignor, to The Secretary of Housing and Urban Development XXXX Assignee , recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from XXXXXXXX XXXX XXXXXXXX , Assignor, to Bank of America , N.A, recorded XX/XX/XXXX ). 
Assignment of Mortgage XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from The Secretary of Housing and Urban Development, Assignor, to Bank of America, N.A., Assignee, recorded XX/XX/XXXX ) - attached. 
Mortgage Release, Satisfaction - XXXX XXXXXXXX ( Mortgage Release, Satisfaction, and Discharge, dated XX/XX/XXXX, filed by Bank of America, N.A., Mortgagee, recorded on XX/XX/XXXX ) - attached. 
Rescission of Satisfaction - XX/XX/XXXX, by Bank of America, N.A., to American Reverse Mortgage ( shut down, out of business ). 
There is a huge discrepancy in which Bank of America, N.A., has not properly, ethically and with transparency communicated to XXXXXXXX XXXX on the rescission of satisfaction. Given the facts that Bank of America has been clear that the reverse mortgage located at XXXX XXXX XXXX has been satisfied. In addition, there is email communication and recorded phone calls between Bank of America employee ( s ) and XXXXXXXX XXXX that the reverse mortgage was indeed satisfied and paid off. 

We need Bank of America to be investigated for unethical practices and violating compliances with Federal law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-26
Company: EQUIFAX, INC.
State: CA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SYNCHRONY FINANCIAL
State: FL
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:
I authorized a transaction with XXXX  but the amount and some of the items which I am being charged for are incorrect. I was advised these additional charges as stated in the contract referred to unbilled ad clicks which had not registered within their billing at current date. This remains fraudulent. XXXX, their agent, is the one who opted into the additional information and not me. I explicitly asked XXXX multiple times what I was being charged for with no response. This has been an ongoing issue for 6 months. I previously filed a complaint with CFPB against Synchrony where they responded with a number to call. I have called that number 5 times, left 3 voicemails, and emailed them with no response. 
The information which XXXX has provided for the dispute does not include the audio communications related to the sale of the advertising campaign and does not show that I authorized the additional charges. It does show that I authorized a campaign which is accurate but not in the amount that is being billed. I provided itemized documentation showing what is wrong and Synchrony has chosen not to review the dispute.

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 monetary relief
Consumer complaint received 2022-08-09
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:
Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXXE Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
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 2020-07-23
Company: EQUIFAX, INC.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Remex, Inc.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account and I have no knowledge of it I have filed numerous reports about 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 2023-11-03
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
PayPal has been holding my money for XXXX weeks after I sold services to a client. The client called PayPal and confirmed receipt of services from me but after multiple attempt to do so, PayPal refused to release my money. It has been XXXX weeks and I have not received my XXXX which is on hold. They have verified me with my social security, phone number and address but they still are holding on to the money. We both called them but they still refuse to release the money. Meanwhile, paypa has charged me a fee of close to {$78.00} for the transaction for receiving the money but they still have not released my money in its entirety of of close to {$2400.00}. Please investigate their business practices which harm small business owners and other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AR
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me in correcting this account : XXXX XXXX XXXX XXXX Balance : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$290.00} XX/XX/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 2023-08-14
Company: EQUIFAX, INC.
State: OR
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had an account with HSBC for many years. I am a premier customer. For some reason, in the last few weeks, I have not been able to log into my US Hsbc account. It says to call the company.. I have done this and I spoke with many people. They all told me they don't know what the problem is and that someone would call me back about this. However, no one has called me back. I need to access my account in order to transfer some money. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
Hello, We were extremely dissatisfied with one particular merchant 's services and felt like the card charge was not fair. With spoke to Capital One on XX/XX/XXXX and twice on XX/XX/XXXX and submitted the needed 19 page document several times by fax. We spoke again to supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX who informed us that the case was closed, because " there was no enough information '' by XX/XX/XXXX- a letter that was not received by us. The supervisor mentioned that the reason the 19 page form was not accepted could have been due to electronic vs hand written signature. 
We called Capital One again to follow up on XX/XX/XXXX and the dispute team responded " There is no rights for us to continuing the dispute with the grounds submitted '' - XXXX XXXX XXXX XXXX  XX/XX/XXXX, no letters ( by email or by paper ) were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We are getting additional charges added to our monthly billing. At first we were told the charges were " sales use tax, '' but now they are saying they are " late fees ''. We have called several times. Often we get a message that the lines are too busy to call back later. When we get a representative they do not seem to have the information they need to solve the issue and lack training. We told the representative that said they were late fees that we always make the payment early. He finally was able to confirm this and said he would fix it. It still is not fixed. The monthly bill should be a set amount, but it varies each month without any detail or itemization. There is not way to escalate to a manager or higher to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting a bankruptcy that i did not file. The US government has confirmed they are not reporting any bankruptcy information. Experian is receiving this information from a third party that has been notified they are giving false information. Experian has not furnished any documentation from the US Bankruptcy court stating that they are reporting a bankruptcy or dismissals. Without this information in writing from the courts this item on my credit file is not valid.

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