BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are currently in the process of Refinancing our primary mortgage to get a lower interest rate and get rid of PMI. Our secondary insurance has not completed the subordination in a timely manner. every time we call, which has been weekly and sometimes twice a week, we get the same story that the underwriting team is having difficulty obtaining documentation of ownership of our loan. We refinanced our primary mortgage 2.5 years ago to get out of a very high ARM, SPS subordinated their loan in less than 45 days without any issues. This time we are pushing towards almost 90 days since the request and have 21 days left on our third lock rate. If they do not subordinate, we can not extend our lock rate and will lose our lower rate. Every time I call I get the same story from every employee at SPS, they are waiting on underwriting to get ownership of the loan. I have been told that it takes time and gets held up in the courts, I asked why the last time it was done so quickly and now they don't have the proper documentation this time, they say they can't speak on behalf of things that happened in the past. ON XX/XX/20 I was finally able to get XXXX at the " XXXX XXXX XXXX '' office that looked into the account, saw that the old subordination was complete in less than 45 days and did not understand why this time was different. she gave me her direct extension of XXXX which come to find out is not an extension to her, it just goes to the call center. I do not appreciate being pushed aside and lied to. XXXX stated that she was going to send some emails out and further research it on Monday and call me back. XX/XX/20, I have not received a call from any one at SPS about the subordination of the loan. If we are unable to finish the refinance of our primary mortgage we are going to lose the {$570.00} for the appraisal on our home and a {$250.00} lower a month mortgage payment. when I ask to talk with some on in the underwriting department, I am told there is no phone number all the customer service reps can do is document the account and escalate the issue. I have called so many times that at this point the amount of escalations should be on the presidents desk. I asked who the mortgage owner was on the loan as SPS is just a servicer, I was told they could not give me that information. I am tired of being given the run around and not getting any where. I pay SPS every month, on time and this is not fair! 

I have had enough and would like to consider taking further action, but I am unsure who to contact to do so. 

thank you for your help with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Enhanced Recovery Collection XXXX XXXX XXXX XXXX fl XXXX tel XXXX put a collection on my credit report for a bill {$120.00} on XXXX  Causing my credit report to drop 74 pt. 
This bill they are collecting has no notice, no particulars, no date whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 someone sent funds to my PayPal account for goods and services that I did not provide. Immediately, PayPal was notified and it was requested that they cancel the transaction and refund the sender. Through a series of phone calls, spanning several hours, PayPal confirmed that the transaction would be cancelled and returned to sender. Instead, PayPal - unauthorized - went into my checking account and " refunded '' the sender by taking my personal funds. This is a gross overstep of their use of my personal account information. I am requesting that PayPal cancel the transaction and return funds to the sender WITHOUT taking money from me, that I have not received, from my checking account. PAYPAL HAS THE FUNDS SITTING IN PAYPAL, AS WELL AS THE FUNDS THEY HAVE STOLEN FROM MY CHECKING ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Blakely-Witt and Associates, Inc.
State: CO
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:
So I been trying to find an apartment out here in XXXX  and tried to apply for one on the XX/XX/XXXX and was told I owed a property which I dont understand why I owe the property any money I didnt break my lease or anything and on top of that they took my deposit find out they put that I owe XXXX from a property called XXXX XXXX and they reported on my credit Im currently homeless living from place to place because no one will rent to me because of it I called the property almost everyday and no one answers the phone I even called the collections department they went through Blakey-Witt & assoc. its a stressful situation Im not in XXXX   anymore to go up there and talk

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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:
There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal

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 2023-03-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account Number :XXXX  and XXXX XXXX XXXX Account Number : 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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 2019-03-25
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
We have been trying to get our free annual credit reports online for the past several days. We received copies from XXXX XXXX and XXXX without any problems. We are having a major issue with Equifax. Like I stated, we have probably tried twice a day for the last three days to get the report online. As you go through the process, everything is fine until after you enter the last four digits of you social security number. That is when you receive the following message. " ONLINE DELIVERY UNAVAILABLE '' " We are not able to deliver your free Equifax Annual Credit Report online ''. It then goes on to say that we should download the request form and mail it along with copies of your drivers license, social security card, XXXX forms, pay stubs, etc. Not the type of information I want to send out in the mail. We we phoned, we were told the computers are being updated, to try again in an hour or so. We have done this several time a day. Still the same results. After another phone call, we were told to to the www.equifax.com/fcra. This website has alot of questions, but does not state you will receive your credit report, so I was reluctant to complete the form. 

The reason we need this report is due to an untrustworthy insurance agent that tried to issue policies in our name without our permission, then billed us. We would like to put a freeze on Equifax, but we would like to see the report before doing so. Again, we did all of this with XXXX and XXXX   within minutes and had absolute no problems what so ever. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: LA
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 reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have credit card account with Union bank since XX/XX/XXXX. I was making regular monthly payment. I use XXXXXXXX XXXX  electronic checks for payment. On XX/XX/XXXX XXXX I received the letter from Union Bank stating my payment was received in XX/XX/XXXX but is returned, not accepted. I will incur late fee with next statement and needed to pay ASAP. Of note, due date is XXXX of each month. Bank deliberately mailed the letter late to set up a customer for late charge. 
I confirmed with XXXX XXXX check was mailed on XX/XX/XXXX and was cleared on XX/XX/XXXX I have the letter from XXXX XXXX  with a copy of the check. I called Union Bank, I was advised the case will be escalated with payment team and I should check in five business day. On XXXX XXXX I received a letter from Union Bank advising me to pay ASAP to avoid collection process! I called Union bank again on XX/XX/XXXX and was advised in rude away I have to pay. I again advised Union Bank I did not receive any reversed payment, {$200.00} were sent by XXXXXXXX XXXX. I did not receive my money back. I was advised again case would be escalated to the payment team I have to wait for ten business day. I called on XX/XX/XXXX and was advised same, case was escalated As responsible consumer with credit score XXXXXXXX I am concerned about the situation. I am between two banks now, I payed on time, two weeks prior to due date. As of XX/XX/XXXX I did not receive a check from Union bank with reversed payment.Money were cleared from my XXXX checking account! I called your agency and I was advised to open dispute case. I tried to open it last week and today, XX/XX/XXXX Both time my request to open the dispute case was declined! I just spoke with representative XXXX who declined my request. I asked to speak with the supervisor but she/he is not available .I was advised supervisor would call me back within an hour. 
I did make my payment on XX/XX/XXXX with the memo to apply the payment for my XXXX statement. I believe XXXX payment was lost but money were cleared from my account .I would like to pay my XXXX dues when I receive my money back! It should be in Dispute process .Union Bank declined to open Dispute case. 
I appreciate your assistance in this matter! 
I can prove with my monthly bank statement, so called reversed payment is not received. 
XXXX XXXX XXXX number with Union Bank 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 2020-06-04
Company: EQUIFAX, INC.
State: TX
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 have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/2019 Synchrony Bank called my father-in-law for the third time, informed him that I was late on payments and owed money. They have my current address and phone number so they are unlawful contacting relatives and informing them of my personal business. They also contacted my brother-in-law on Friday XX/XX/2019 for the same issue and gave info about me owing them money. The law states they may only contact relatives in an effort to locate someone, however they have my current address and phone number and need to cease calling relative and providing personal information about my banking business with them. They are breaking the law..

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 2023-09-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised Experian, XXXX and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account Experian and XXXX decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.

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 2020-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had tried to go to make a withdrawal at Wells Fargo XXXX XXXX XXXX, FL XXXX using a drive through service for some cashes. I gave them my debit card and driver license but since I was having a mask on due to the Coronavirus situation I was denied or else I needed to take off my mask! This is not right in a situation like this to think wearing a mask is a fraud transaction. If I caught the virus by the bank asking me to take it off will the bank hold a responsibility for me getting infected! I have told them I am a XXXX  and still I got a reply that wearing a mask meaning you are sicked! I am way more literate in terms of the medical issue and it is not right for the bank not giving me my money regardless I am sicked or not! It doesnt make sense! Who could steal all form of ID cards first of all? I have told them there are other forms of identity that you can verify! By what the bank is doing is not protecting me but trying to avoid its customers to make any withdrawals! I first had a withdrawal slip that I wrote prior to coming to the bank. The service manager named XXXX XXXX XXXX said I needed to write another withdrawal slip in front of him so I asked him to give back the first one! He  replied no. How could I be sure that he wont cash it and put it in to his account. I dont understand the policy he insisted that he would shred it! I denied that he either returned it or I had to cross it out and he kept it! This is unfair business practice and also unfair to discriminate not providing a service for customers wearing a mask during the panepidemic crisis! The banks need to be updated its policy to fit the global situation.

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 2023-02-19
Company: Block, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2023 I attempted to withdraw my funds from my CashApp card and they made me verify my identity and after having done so they closed my account and kept my funds of {$41.00}. I have contact them several times and they still have not gotten back to me. 

CashApp Tag : XXXX XXXXXXXX I've had several accounts that they've closed without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: TX
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:
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 Number : 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 has violated my rights. Or list of inquiries 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 a 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 XXXX years. 

15 U.S.C. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.

Company response to consumer: Closed with explanation