BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I received an email from LoanMe that specified to make a good faith payment since they were unable to collect their payment on the usual date around the XXXX of the month. I had previously discussed with them in XX/XX/XXXX, by phone, that I was not working and that my partner was going to pay them on the first of each month. I had also received the same email the previous month and did pay them by the first of XX/XX/XXXX the regular payment amount that they were asking which is around {$300.00} since I would owe a late fee as well. When XX/XX/XXXX came around they sent me another email also with the same information and that I had to pay before the first of the next month. I emailed them back and told them that I would only be able to pay them by the first of the month and that they would receive the amount that they usually do plus the late fee. The company knew how to get a hold of me and knows where I am. On Wednesday, XX/XX/XXXX at around XXXX XXXX. I received a message from my Father that a man named XXXX was trying to get a hold of me and wanted my information. I then called LoanMe and informed them once again that I would make a payment on the first of the month, I also discussed with them that they did not need to call my parents since I have had contact with them, they did admit that they called my parents and that they would not do that again. I believe it is unlawful, illegal, or otherwise not appropriate to do so. As far as I know, there was no reason for LoanMe to call a third party to get the contact information from me when I have had contact with them previously. As well I am no longer working but still have been making duly noted payments, though the interest rate is high. My payments have been somewhat late, but not beyond the grace period and will continue to do so. 
I am not sure if there are any other things about my loan that are against the law, LoanMe would not send me any information about the original loan agreement even though I requested it from them a month ago. They will only send me what they want me to sign which is a new agreement. I will provide a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: FISERV INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Clover/Fiserv has been holding my funds for the past 6 months and refused to release it. I have called over 15 times to correct this error and have been told the funds will be deposited into my bank account within 3-5 business days. The funds have not been deposited and Fiserv refuses to release my funds to me after my most recent call!

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 2023-10-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing.

The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We receive foreclosure documents from SPS and their attorney XXXX XXXX XXXX again on XX/XX/2021. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/2021. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by XXXX as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and 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 2023-10-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to access my Equifax account, I have never tried to log in and I am told over the phone that they can not find my information for my credit report. I am able to log into XXXX and XXXX XXXX, but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/XXXX - my mortgage with XXXXXXXX XXXX was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted XXXX that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with XXXX or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an Experian alert of a major derogatory account comment reported by XXXX on my credit file that negatively impacted my credit score by XXXX points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with XXXX during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called XXXX and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.

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 2023-10-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today ( XX/XX/2023 ), I received an email from Citi Bank advising me of a credit revision. The email was extremely generic, stating XXXX gave them information on me but had no part in the decision to lower my score and therefore couldn't tell me why they did it. 
My credit limit was dropped from {$7500.00} to {$5300.00}, leaving just over {$200.00} available credit. 
I have never missed payments and have always paid more than the minimum ( usually $ XXXX {$200.00} more than required ), but they still dropped my limit and won't tell me why. 
When I reached out, the representative at Citi ( XXXX ) copy/pasted the original email as her response, and when I pointed out it said XXXX had no part in the decision and couldn't give an answer, she said my issue was unfixable on her end and to call XXXX. I told her I did not qualify for such a drastic drop in credit, that this was a blatant violation of the FCRA, and that there is a note in my XXXX file ( been there 5 years ) stating my refusal to acknowledge or authorize their copy of my report as it contains old/inaccurate information, and she disconnected the chat.

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 2023-08-08
Company: Guild Mortgage Company LLC
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:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
ChexSystems Attention : Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Derogatory Account in My Name ; Victim of Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your immediate attention a concerning matter regarding my identity and the fraudulent activities associated with it. I have recently become aware that a derogatory account reported by XXXX XXXX, under my name, is a result of identity theft. I hereby request your cooperation in resolving this issue promptly to prevent any further harm to my financial well-being. 

Unfortunately, I discovered this fraudulent account when I received notification from XXXX XXXX  stating that my account was delinquent. However, I have never opened an account with XXXX XXXX, and I am not familiar with this derogatory entry or its associated activities. It is evident that I have fallen victim to identity theft, wherein someone has unlawfully been using my personal information for their own financial gains. 

In light of the above, I request your immediate attention to address this matter and conduct a thorough investigation into the fraudulent account reported by XXXX XXXX. I kindly ask you to take the following steps to assist in rectifying my situation : 1. Verify and investigate the existence of the derogatory account under my name. 
2. Clearly communicate with XXXX XXXX  regarding the fraudulent nature of the reported account. 
XXXX. Request XXXX XXXX  to provide evidence supporting their claim. 
4. Promptly remove the derogatory entry from my ChexSystems report. 
5. Provide me with a corrected and updated ChexSystems report reflecting the removal of the fraudulent account. 


I kindly request your support in resolving this matter as soon as possible. As a victim of identity theft, I have also taken several additional measures to protect myself, such as filing a police report and notifying the Federal Trade Commission ( FTC ). Enclosed is documentation confirming these actions. 

Please provide me with updates regarding the progress made in resolving this issue and keep me informed of any further steps required from my end. I appreciate your understanding and cooperation in assisting me during this challenging situation. 

If you require any further information or clarification, please do not hesitate to contact me via the above-stated contact details. I am available at your convenience to provide any additional information that may aid in the investigation. 

Thank you for your urgent attention to this matter. I hope for a swift resolution to clear my name and restore my financial stability. 

Yours 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 explanation
Consumer complaint received 2018-04-16
Company: URS Holding, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a debt of {$4900.00} from XXXX-XXXX XXXX in XX/XX/XXXX. XXXX XXXX   contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX. The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. XXXX-XXXX XXXX would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and XXXX-XXXX XXXX over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to XXXX-XXXX XXXX, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or XXXX-XXXX XXXX willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the XXXX-XXXX XXXX customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to XXXX-XXXX XXXX  and the Collection Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried withdrawing {$800.00} from a Chase ATM in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. But I never received the funds. The ATM didnt print out a receipt or anything. Chase denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
national credit systems sent letters threatening to report accounts unpaid to XXXX, XXXX, and XXXX if I did not pay a supposed debt. I wrote a letter to them explaining that I have no account with them nor was I a customer, nor have I entered into a contract with them, nor was I aware of any debt due to their company. And that I dispute the validity of the debt. 
I request verification with the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Provide the original application with original or electronic signature.

8 ) Provide full payment history from the original creditor.

9 ) Provide the original agreement that shows you legally own and are legally allowed to collect this alleged debt. Must provide original creditors name and address.

I advised that Pursuant to 15 USC 1692g, they have 30 days from receipt of the notice to respond. That their failure to respond, on point, in writing, hand signed, and in a timely manner, would work as a waiver to any and all claims in this matter, and will entitle me to presume that they sent the letter in error and that the matter is closed.

I also demanded that they remove any and all accounts reported to all credit bureaus, and stop any and all collection attempts at once.

I did not receive any response within 30 calendar days, however, the debt has been reported to all 3 credit agencies as a delinquent debt.

Looking at my credit report 90 days later I found that National credit systems had reported a debt of {$4200.00} to XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!

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