BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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 found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.

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 2022-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XX/XX/2022, I mailed in the payments for both mortgages. SPS applied BOTH payments to only 1 of the mortgages. I contacted them on XX/XX/2022 to correct the problem. I was informed from a SPS associate that it could take up to 60 days to correct. On XX/XX/2022, I found out that SPS had reported to the Credit Reporting Agencies, that I was late on my mortgage payment and my credit scores DROPPED XXXX POINTS. I called SPS again on XX/XX/2022 and discussed the problem with them to no avail. They refuse to expedite the correction and now I am fearful that they will report another late payment in XXXX. Yesterday, I applied for a small loan with my bank and was declined due to a low credit score. HELP ME PLEASE!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

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 non-monetary relief
Consumer complaint received 2022-06-16
Company: Johnson Mark LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 called the attorney office Johnson Mark LLC from Utah, collecting for XXXX XXXX XXXXXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX XXXX, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A company by the name of new American funding which is a margin mortgage lending company has violated my rights to the equal lending process because I am a XXXX person I was given a loan approval and the loan was frivolously extended and prolonged until their became problems with the sale of the property as a way of deterrent me or discouraging me from the home buying process after being misled and led to believe that the loan was going to be approved for over 60 days the loan was denied without a denial letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXXXXXX 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 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 2023-01-27
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime between XXXX we switched from XXXX to XXXX under a promotion that XXXX would pay off our phones. They did that and XXXX provided boxes to return the phones, which we did. We spent roughly 2 weeks on XXXX and returned to XXXX at which time they got everything turned back on and issued us new, upgraded phones. We have since fought XXXX on numerous occasions about this debt. I have been told by no less than 8 XXXX customer service representatives that I do not show as owing any amount to them. In XX/XX/XXXX I closed my account and ended all dealings with XXXX. Just now on XX/XX/XXXXXXXX XXXX XXXXs later I receive something about a debt? Why would I owe a debt they didn't care to try to collect for over 2 years? Also why did they let me close my account and walk away if I owed a debt? As I said I have fought, and won this claim that I owe XXXX money, but I do not and I will make XXXX sure they never get another dime from me and as many people as I can tell not to go there!.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1.  XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. 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 2023-05-12
Company: REGIONS FINANCIAL CORPORATION
State: LA
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.

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 2022-06-16
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Made payments to two of my XXXX  XXXX cards, received confirmation of payment from one of my US Bank accounts, some of my XXXX XXXX XXXX  Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX  XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. 

What is 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 2018-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I made a XXXX  payment via my mobile app. On XX/XX/XXXX I made a cash deposit between XXXX cst.. However there was a glitch in CapitalOne system that caused my payment that was submitted after XXXX est to be returned bc there system did not apply my cash deposit ... When I was made aware via email I contacted the credit Card company and initiated another payment with an agent around XX/XX/XXXX or XX/XX/XXXX and the payment return again and the funds remained in my checking account. After that CapitalOne closed my account due to 4 return payments which 2 are invalid because its CapitalOne error on the checking account 360 side. I even made a conference call with CapitalOne 360 who I bank with and they even explained to the supervisor who the call was escalated to that the funds were there but they refused to reinstate my credit CapitalOne Credit Card. I feel discriminated on due to my age. If my bank advised you it was a bank error due to them posting my cash deposit immediately why should my credit be impacted because the bank system didnt post my cash deposit. Now my credit score has been droopy as well as my mother who was authorized on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXXXXXX XXXX {$630.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$79.00} 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 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 XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$300000.00} XX/XX/2019 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2018-04-30
Company: EOS Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I left for a trip to XXXX. Prior to leaving, I called XXXX and asked that my service be temporarily suspended until I returned. This was agreed to, that my service would be suspended and that I would not be charged. I returned in XX/XX/XXXX and called XXXX to restart service. I also received bills from them in the meantime. Both on the phone and through the bills, I verified that I had a {$0.00} balance. I requested to restart my service and it was. 

The next bill I received was very high. I was charged for the time I was gone, for breaking my contract, and a service fee to restart service. I called to dispute this and through a series of phone calls, it was agreed by more than one representative that I was in the right. But the charges were never taken off the account. I called repeatedly and each time I was told that this would be fixed and each time it was not. As a last resort, I wrote on the XXXX community forums what had happened. I was contacted by a XXXX representative and told this this would be fixed but it never was. So I stopped using XXXX and moved on to a different service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I initially filed a complaint XXXX. I want to file another complaint because this is an urgent matter. I must get my credit freeze lifted from Experian but NO ONE AT THAT COMPANY WILL TAKE OWNERSHIP AND HELP ME. I WILL ANSWER ANY AND ALL QUESTIONS TO VERIFY MY IDENTITY. NO ONE AT EXPERIAN WILL EVEN ASK ME QUESTIONS INSPITE OF ME PROVIDING MY DEMOGRAPHICS, INCLUDING SOCIAL SECURITY NUMBER. 

On XX/XX/20, after I provided an Experian rep all verification info., she asked me for an email address. I provided it to her. Her response was, " your email does not even generate questions for me to ask you to verify your identity ''. She said " you do not have an account with us. '' WHAT DOES THAT EVEN MEAN??? 

Of course, Experian has my credit information. I have worked for 47 years. 

I was not afforded the opportunity to answer any questions to verify my identity ( contrary to XXXX  and XXXX  ) The rep also stated I lifted the freeze on my account from XXXX XXXX, 2020. I DID NOT DO THAT!!!! If I did, I certainly would have remembered HOW TO LIFT A FREEZE AND WOULD DO IT AGAIN THIS TIME. 

I believe someone else lifted that freeze and Experian permitted it. NO ONE ELSE BUT ME HAS ACCESS TO MY PERSONAL FINANCIAL INFORMATION. NOW IT IS IMPOSSIBLE TO GET TO AN EXPERIAN EMPLOYEE WHO WILL ASK ME VERIFICATION QUESTIONS OVER THE PHONE. 

I UPLOADED VERIFICATION DOCUMENTS TO THE EXPERIAN WEBSITE ON XX/XX/20. NO ONE AT EXPERIAN CAN SEE THOSE DOCUMENTS. Why is that?? 

Experian is preventing me from refinancing my home. I am missing the opportunity for low interest rates due to Experian 's incompetence and obstructive business practices. Both XXXX  and XXXX  lifted the freeze on the SAME DAY I REQUESTED. 
Experian needs to do their job and solve customers issues caused by their incompetence.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX - {$1500.00} ( XXXX XXXX ) XXXX XXXXXXXX - {$810.00} ( XXXX XXXX ) XXXX XXXX {$150.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) None of these are my transactions, yet they are 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
Consumer complaint received 2021-08-19
Company: Southwest Stage Funding
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX and my husband 's name is XXXX XXXX. Together we are filing a complaint against XXXX loans for refusing to file a water waiver on our behalf for hauled water. It is very common in our area and we have been told by FHA and Hud that this is possible if the lender requests it. Hud advised me to file a complaint against the lender since they refuse to file a water waiver. Our other complaint is that our loan was closed and funded in early XX/XX/2021. The lender hired the appraiser, in which he appraised our property with a well on it. My husband and I had no knowledge of themistake until 5 months later when XXXX XXXX brought it to our attention. The property does not have a well on it. 

We had told our builder XXXX XXXX that we would not be getting a well and we would go with hauled water. We made this clear on several occasions. My husband signed multiple documents to that effect, however it appears that one such document was either manipulated or presented in a way that we wouldn't have known or thought to check the exact verbiage of the document. 

We had put our full trust in the XXXX XXXX and XXXX to do and provide honest service, as this is their area of expertise not ours. We are first time home buyers. We stronglyfeel that XXXX XXXX and XXXX Loans have misrepresented their intentions and integrity. We feel both XXXX XXXX and XXXX Loans are at fault and need to be held responsible for their negligence in this matter. Furthermore, leading us to believe that we could trust that we were all on the same page in all matters regarding the construction and building of our dream home, More specifically the hauled water situation. I have filed a complaint against XXXX home with the Department of Housing. 

XXXX XXXX is now threatening to declare us in default and foreclose on our property. 
I am attaching some supporting documents to this complaint. Please let me know if you need anything more to help with the investigation. 


Property address is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Reference numberXXXX. 


Sincerely, XXXX XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received a strange, accusatory letter from Designed Receivable Solutions in the mail claiming that I had not paid my medical bills from XXXX XXXX Hospital.  This was initially alarming because XXXX withdrew the last amount owed from my account when it was due in XX/XX/2018. We had set up an auto payment. Everything has been paid in full. I checked my XXXX XXXX account and the balance was {$0.00}. I became very suspicious because something does not seem right with this bill from Designed Receivable Solutions. They are claiming I owe a balance of {$390.00}. They are also attaching interest to this amount every week that it goes unpaid. I have found multiple reviews online claiming this company is a fraud. They have been scamming people out of money for years.

Company response to consumer: Closed with explanation