BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Select Portfolio Servicing on Friday, XX/XX/ 2023, at XXXXXXXX XXXX, to discuss the possibility of completing a loan assumption. I had been served with a partition summons and in order for me to retain ownership of the subject property and avoid the untenable housing market in XXXX XXXX, I would need to assume the loan away from the co-borrower. The first representative I spoke with advised me that there are only 4 viable reasons for requesting an assumption : divorce, death, deportation and incarceration. When I explained to the representative that the partition demand operates under the same capacity as a divorce decree, she still stuck to what she called the guidelines. I requested to speak with a supervisor and unluckily spoke with XXXX. I asked her the same thing and she repeated exactly what the same representative had told me. She also told me that a loan assumption can not be done by a co-borrower, which is incorrect and untrue. The company is engaging in the very definition of disparate treatment if only certain legal actions allow for an assumption and others do not. The prior servicer, XXXX XXXX, would have been willing to allow the assumption but the timing for completion did not coincide with the ability to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Service XXXX XXXX XXXX, XXXX, MA XXXX - XXXX Monday - Friday : XXXX to XXXX ET On XXXX CCS sent me a " password '' protected email in response to my denial of owing XXXX XXXX {$170.00}. 
I was unable to open the email. There was NO 'reset the password ' option. I wrote a letter, requesting they send the response by U S mail. 
I did not get a response by any means. No mail, no further emails. 
CCS elected to send the info to the credit reporting agencies, and I suffered a significant loss to my credit score. 

Who decides who's right? XXXX or me or CCS????

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a debt of XXXX  XXXX XXXX which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received this offer from one of my store credit cards. This at a very trying time for consumers across the county because of the Pandemic and when personal interest rates are at close to an all-time low. They are making an offer that is going to trap people in exorbitant fees that need to be regulated in a much better way. 27 percent penalty is way beyond reasonable for any bank. 

-- -- -- -- -- -- -- - The offer -- -- -- -- -- - At a time when consumers are carefully considering their spending and how they manage credit, promotional financing offers from Synchrony Bank may make more sense than ever. We wanted to let you know about special financing promotions that may be offered on your Lowe 's Advantage Card account. From time to time, you may be offered one of the following promotions when you make a qualifying purchase : No Interest if Paid in Full Within 6, 12, 18 or 24 Months. 

For the promotion ( s ) described above, if the promotional balance ( which includes the promotional purchase amount and related optional debt cancellation charges ) is not paid in full within the promotional period, interest will be imposed from the date of purchase at the APR that applies to new purchases made on your Account when the promotional purchase is made, which as of XX/XX/2021, is the APR of 26.99 %. 

Minimum monthly payments are required. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval, may not be available at all times for all purchases and can not be combined with other credit-related promotional offers. This is only a summary of key terms. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered and keep this notice for your records. 

We look forward to continuing to service your Lowe 's Advantage Card account. 

Thank you for your business. 

Synchrony Bank

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 2023-08-08
Company: EQUIFAX, INC.
State: FL
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:
I contacted equifax in XXXX 0f 2020 due to my score dropping XXXX points. XXXX XXXX made a comment on my report which was not derogatory at the time because i was selling my mobile home. I contacted them and they removed the comment and equifax never put my score back. They use the same sytem as XXXX at which I have an XXXX credit score. The case number back then was XXXX. I tried to talk to someone today and they're response is they just report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recently discovered a debt from a collections agency when I went to check my credit score. This agency has had two bills from me for a full year and they have never once made any effort to contact me to say that the money was owed. ( I also never even got the bill from the hospital in the first place ) This has absolutely DESTROYED my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lawful Notice of Dispute TO : CREDIT SYSTEMS INTL IN RE : Account Number : XXXX To Agents or Assigns at : CREDIT SYSTEMS INTL IN I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDIT SYSTEMS INTL IN. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few inquiries on my report I do not recognize

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 2021-03-14
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
Today, XX/XX/XXXX of 2021. Bluebird which is by American express informed no one about their cards not being able to use nor can we reach anyone it says invalid number once you press 0 by calling the provided number ON the card .... My transactions were declined with available funds but was declined yet the money was still taken out!!!!!!!! This has to be illegal. Then finally aftet 5hours i finally got passed the 0 for customer service was on hold for an hour and 20min for her to hang up on me after 8min on the phone!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took XXXX to care for my daughter who had an unexpected medical emergency. I was of work for 3 weeks and food not have enough money to make my bills. I contacted flagstar looking for options so that I would not be late on my mortgage payment. My payment is due on the first of the month and I contacted them before my payment was due. I was told to go through loss mitigation which I then contacted. They said that they would send out a packet. The next day I started receiving phone calls from Flagstar staying that I was in default on my loan. I answered XXXX of these and the man on the phone said " oh, we already talked to you '' and hung up. I received the packet in the mail with a list of things that I needed to submit. In the meantime I continued getting phone calls from Flagstar. I called them on the XXXX and asked them to write calling me several times s day. The lady was extremely ruderude. I tried to explain that I always made my payment before the XXXX of the month ( whenever my paycheck cleared ) but since I contacted Flagstar before my payment was even due, that they had been harassing me with phone calls of " this is an attempt to collect a debt ''. I feel like I reached out tob then for assistance and within 12 hours of my phone call, I started getting debt collection phone calls. I made my payment today, but at the cost of my daughter 's treatment since I ca n't afford XXXX. I 've been iny home 13 years..in fact, I built it .... This is ridiculous way to treat a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX account # XXXX ( Original Creditor : XXXX XXXX ). The XXXX XXXX account was not authorized by the consumer. An investigation into this account on XX/XX/2023 by XXXX XXXXXXXX determined that the consumer did not authorize this account that is showing as " in collection '' status, and issued a credit of {$220.00} to cancel the debt, and remove the account. The account is CANCELED, NO LONGER IN COLLECTION. The debt has been reversed by XXXX XXXX. However, the account is still listed on the credit report has in collection, derogatory, and collection/charge-off. The account has been canceled, the debt has been reversed by the company. Consumer is requesting that the account be removed from the credit report. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a consumer 's account information without their written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-15
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT INFLENCE FROM ANY THIRD PARTY OR AGENCY

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 2023-03-03
Company: EQUIFAX, INC.
State: NY
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'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
As the original creditor, I demand : Account # XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Otherwise, this will cause greater damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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:
I have been writing to Equifax from XXXX concerning some accounts on my credit report reporting as collections with account numbers- XXXX and XXXX with opened dates from XXXX. 
These accounts have no names, no balances and no contact information and yet they are still being reported on my credit. It has been causing me much stress because I know I do not owe or have any collections. 
Equifax is also reporting late payments on my credit report when I was never late with a payment on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been having many issues with Capital One I recently started by using my card and making multiple payments through out the month and still getting charged Interest through the roof where it looks like I havent made triple payments on my accounts. I asked for a lowered interest rate a few months ago they refused. Today I went to make a payment on my account prior to their XXXX XXXX  deadline but they had it locked where I couldnt even make a payment today which is my due date which makes the payment process the next day which in turn I will be charged a late fee. I tried to call and it took a very long time before the automated system even transferred me to live person and he was rude and started speaking in a language other than XXXX and refused to take my payment by this time it was XXXX XXXX! This is poor business practice and a trap to get more money out of the consumer and I need this reported and investigated because it is wrong on all levels! I refuse to pay a late fee when I always pay my bills on time and this will also affect my credit when I work hard to keep my credit score good and pay my bills on time. I am not happy that I have to spend this time reporting this but it had to be done. Capital One needs to be investigated and reported to the Federal Government for these poor business practices. I have tried to contact on multiple occasions only to get disconnected and have poor customer service representatives who do not care about the customer and just try to make as much money as they can off of the customer. This is illegal and needs to be stopped. Again all day Ive been trying to pay my bill and they locked it from being processed today and automatically switched it to tomorrow so it registers late and therefore a late fee and customer service was of no assistance and hung up the phone after saying something in another language.This is not cool or right at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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: Their investigation did not fix an error on your report

Complaint:
I have filed a total of 11 disputes certified with return receipts to credit bureau EXPERIAN to no avail. My initial dispute was sent on XX/XX/2021. EXPERIAN responded validated the accounts. Pursuant to FCRA 611 ( a ) to request a complete description of all methods used to investigate these accounts. The accounts are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. EXPERIAN continues to send me generic letters explaining their investigation process which is NOT what I asked for. EXPERIAN is clearly violating FCRA laws but not providing me detailed information about how they investigated these inaccurate accounts. I requested a method of verification on XX/XX/2021 via certified mail with returned receipt that was received by EXPERIAN on XX/XX/2021 that gave them 15 days to respond providing me with the method of verification. To date, I haven't received any method of verification from XXXX.I spoke to a representative whom stated that I need to dispute with the creditor directly, I informed her the law allows me to dispute directly with the credit bureau since they are the ones putting inaccurate information on my credit report .She stated she would have a supervisor to contact me.

These accounts need to be updated/ and or removed to reflect current as EXPERIAN is in direct violation of the FCRA laws

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