BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I do not understand several points that concern me terribly, you are setting me up for foreclosure and I am worried XXXX  about the outcome of my mortgage crisis : We are struggling now because I am XXXX  with XXXX, been XXXX  for XXXX weeks and it's taken its toll on my mortgage payment and other bills. My income has dropped considerably, and you structured a repayment plan that I simply can not afford, you have not provided me with any new offers, and you have declined every policy that you have to help people who are struggling. Why did you withdraw my application for assistance, I don't get any answers, all I get is the same mail every day telling me I have to wait 30 days for an answer. So many 30 days have passed since my first email to you, all you do is send the same repetitive messages to me, I do not see any offers for me to keep my home. I have serious  XXXX  issues  and I wish you would take that into consideration because reviewing my mortgage. We need to resolve this as soon as possible ; I am so afraid that you are going to begin foreclosure proceedings against me while I am very XXXX. Can we work our sum payment arrangements such as : XX/XX/XXXX - XXXX XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/900 - XXXX payment XXXX - XXXX XXXX XXXX XX/XX/900 XXXX 's payment XX/XX/900 XXXX 's payment Its going to take less than 4 months to catch up my mortgage, I am going to apply for covid assistance, its has again impacted my mortgage on a serious note. 

Please let me know what you think. I want to avoid foreclosure while suffering from XXXX, it's been horrible, and I appeal to you to look at this seriously so we can resolve this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: MI
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX-I was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local XXXX from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/XXXX - XX/XX/XXXX. -Proof of departure from merchant XX/XX/XXXX. -Proof of XXXX stay. -Invoice proof of damages. The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account. 

On XX/XX/XXXX and XX/XX/XXXX, I called and spoke with representatives who assured me that the dispute for the remaining {$600.00} was reopened and a {$600.00} conditional credit would be offered, and I would not be facing any late payment fees or charges. The charge was never removed and no conditional credit was given. I called back on XX/XX/XXXX, and was given completely different information about the dispute being closed. Citi Bank representatives have given me false information and have no damaged my credit report. 

According to 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Citibank failed to issue a credit as they said they would, and have violated my rights as a consumer. The remaining balance of {$600.00} needs to be removed within 4 days of receiving this.

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 2023-07-08
Company: EQUIFAX, 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:
You are in Direct Violation of The Fair Credit Reporting Act 1 ) XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602. A. Cloarty states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 challenged the 100 % accurate reporting of this XXXX XXXX XXXX  charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account..XXXX XXXX XXXX transunion XXXX and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number transunion is reporting XXXX XXXX is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting {$780.00}, {$0.00}, and {$780.00},,,,, ,this is inaccurate reporting

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).

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 2023-04-06
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have below the invoice that will be sent off to XXXX XXXX XXXX I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!

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 2019-07-03
Company: JPMORGAN CHASE & CO.
State: NY
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:
My Chase XXXX credit card was wrongly flagged for fraudulent activity. The company did not contact me to verify whether or not I had initiated the action, but merely assumed my card/identity had been stolen, and " permanently closed '' my account on XXXX XX/XX/2019. They did not notify me of this action, nor give me a reason for my account 's closure - I found out when my card had been declined, and I called in to the number on the back of the credit card. I had to spend hours on the phone over 9 weeks, and speak to numerous people, submit multiple pieces of documentation in-branch at XXXX, NY, 2 hours away from my home, and threaten legal action,  before I found out the reason for my account 's closer - it had been wrongly flagged for fraud. They did not give me an opportunity to use the {$700.00} in rewards points I have accrued over the years, nor let me copy any of my credit card statements, as they had locked me out of the online portal and app. I have spent over 20 hours on the phone over the course of over two months, with no resolution. The person handling my case is in the XXXX, XXXX XXXX XXXX, who has only called me late at night, and has an extension that does not work for incoming calls. I would like my stolen rewards points back, as well as access to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: AMERICAN EXPRESS COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: FL
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 have submitted several disputes to Equifax and XXXX XXXX to have fraudulent inquiries removed from my report and they continue to close the dispute without the desired results. Please assist with getting these fraudulent inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX " XXXX XXXX XXXX CA '' with XXXX Experian, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both XXXX  and Experian. I listed all relevant documents that prove. I have no relations to XXXX XXXX. Experian did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.

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 2019-06-22
Company: EQUIFAX, INC.
State: OH
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 following student loans were reported on my credit report.. .I disputed the accounts with Equifax, XXXX , XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Cedars Business Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cedar Financial aka Cedar Business Services keeps attempting to get me to pay for interest accrued on medical debt. I did not agree to interest terms. On several accounts for medical debt owed. File # : XXXX, XXXX, XXXX, XXXX XXXX all have interest applied to the principal amount. On XX/XX/2019 they falsely claimed to the Credit Bureau as Loan Installment instead of reporting as debt collection or medical debt. I have talked to them multiple times but they continue to skirt the law, for there fraudulent claims and misrepresentation of facts. My rights are being abused according to the The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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:
XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX BANKRUPTCY PETITION potentially negative icon Potentially Negative XXXX XXXX XXXX TX XXXX Date XXXX Dispute ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc XXXX debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and XXXX  with XXXX kids.

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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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 had paid my balance in full about XXXX weeks ago. All of a sudden, yesterday ( XX/XX/2023 ), {$100.00} was taken from my checking account by Bank of America. When I called, they agreed that there was no statement to pay and could not explain why the money was taken. I had cancelled an auto-payment for that amount yesterday, but the money was taken anyway. I was told that it would take up to 10 days to get my money back, despite the fact they took my money with no balance on the credit card to pay. I consider this theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: USI Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX XXXX called me ( I am the XXXX for XXXX XXXX ) on XX/XX/XXXX. Said they are calling about a XXXX XXXX account from XXXX XXXX did not know what this was for. He told me that on XX/XX/XXXX and told my mother the same thing. My mother has XXXX and would have no way of knowing what this was for. I asked for proof and an agreement letter was emailed to me. I sent a response on XX/XX/XXXX. We have never heard anything else. Today, XX/XX/XXXX, someone called, I do not know her name. The telephone number was XXXX and she said she was calling from Pennsylvania. She told me that they own this debt and I had talked to her co worker. I told her that my mother doesn't owe them anything. She told me that at the end of the day my saying that means that it is owed and is a refusal to pay. They bought something that is not owed and they are trying to get my mother and/or me to pay for this. My sister paid an account in XXXX for my mother to XXXX XXXX but we have no proof because it was so long ago. My parents filed bankruptcy in XXXX and XXXX, XXXX XXXX pointed that out in our conversation. If this debt was owed in XXXX it would have been included in a bankruptcy We have never heard from this company or XXXX XXXX until XXXX of XXXX. My parents were removed from their home in XXXX and placed in the care of social services until I brought them to Virginia. I need someone to help with this harassment by USI for something that is not a valid debt. Copies attached.

Company response to consumer: Closed with explanation