BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, we met with our sales agent and XXXX XXXX XXXX to settle on our home we sold in XX/XX/2022. The XXXX XXXX had sufficient funds to pay the mortgage company but erred in sending the proper amount which was not found out until months later. The new owners were at settlement and moved into our home on XX/XX/2022. We were told any monies due us would be direct deposited to our account which we had set up for this purpose. Several months later we found the mortgage company only received part of the monies due ( all the money due was available with the XXXX XXXX Co ). We were notified by a banking company when we applied to buy a house in XX/XX/2022 that in XX/XX/2022, XX/XX/2022, XX/XX/2022, & XX/XX/2022, not positive but someone indicated XXXX and XX/XX/2022 that we were being reported by SPS Mortgage Servicing of being late in these months. We advised we sold house in XXXX and don't understand why we are now being reported. We found the XXXX XXXX erred in sending the appropriate amount due to typo error in their office and thus SPS took that monies and credited as monthly payments until the money ran out. We have tried to get SPS to remove the lates from our credit reporting bureaus, XXXX, XXXX, XXXX & XXXX but they refuse.eventhough we have explained the error was with Title Company which we knew nothing about for months. SPS has now been paid in full by XXXX XXXX with our assistance however they won't release the lates and we entrusted the settlement of our home to XXXX XXXX XXXX who state its up to us to get the lates off our credit report. We had no idea of this error XXXX XXXX XXXX made for several months and now being penalized. We want the late reports taken off our credit as we " sold '' our house in XX/XX/2022 and had since received a clear deed and thought everything was taken care of. We paid our mortgage with SPS for many years and never late and can't believe they will not remove these lates which clearly show were many months after we sold the house with a realtor and a title company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reporting XXXX location of Fraud : XXXX XXXX XXXX XXXX NJ The person responsible for fraud of misuse of customers credit card information is the only manager that was working during the times of XXXX- XX/XX/XXXX. 
I have proof of evidence of being overcharged twice on my rental and an unknown transaction of XXXX dollars for a service I never used and it was the same time I rented from XXXX. The only people that had access to my credit card and information was the manager of this XXXX location. My bank didn't bother to help me since XXXX didn't want to give out the information and according to my bank they was deleting my past transactions out the system. And then when I had to send out physical evidence to my bank thru the mail, my evidence got lost so now I'm back again to seeking justice. Due to them overcharging me and the money they took from me never bounced back into my account, my account is negative XXXX XXXX and citibank had no choice but to close my account and basically told me to take legal action to clear up my rental debt now. I paid for all my rental costs plus the XXXX tolls so there should be no reason why they messed up my transactions. I told XXXX multiple times and their response is that they can't read my transactions thru their system and I can only see my transactions at the place of the rental. I was paying XXXX a week on the rental with a XXXX dollar deposit and a additional XXXX a week to cover tolls, I don't know why they decided to charge me a extra XXXX dollars in my bank account. All the money I was paying weekly was still being taken out my wallet even tho it declared it as pending, if that was the case my money would of bounced back to the original account but now my money is missing, they charged me XXXX to where my account went negative and had no choice but to close my account. I would like the XXXX charges to be disputed and a investigation on the person responsible for scamming my account that is working behind 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 2023-07-19
Company: LEXISNEXIS
State: TX
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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 Navy Federal {$5000.00} I reported someone getting into my account and sending an unauthorized ACH payment of XXXX to someone I dont know. They did an investigation and did not return my money and I did not receive a provisional credit and they said they would not return my stolen money. I changed accounts, username and password after that had happened. I did reach out to them multiple times as well telling me theres nothing they can do. 

I then opened up an appeal and still have not received a response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting two accounts as Paid in Settlement written off to Experian. 
This is incorrect and I have disputed this with all three bureaus and XXXX XXXX. Experian is incorrectly reporting these two accounts. 
The accounts were paid in full on XXXX/XXXX/XXXX 
The Experian report shows late payments for XX/XX/2022 and XX/XX/2022. The accounts were paid in full XX/XX/2022.

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 2018-08-30
Company: CITIBANK, N.A.
State: NY
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:
Hello I '' m Making a complaint because I want Citi Bank to remove 2 hard inquiry '' s from my credit report. Because I did a pre qualify application and it said it wont effect your score. So the application passed through my credit twice any way as a hard inquiry '' s on the same day twice and I only applied once. This is the link I used for the application process XXXX XXXX XXXX XXXX. Which was XX/XX/2018. Under the fair credit act if they wont remove this from my credit I will sue.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, Citizens Bank experienced a system issue and our customers, including myself, could not access their accounts. In addition, a deposit of my paycheck that comes every other Wednesday between XXXX XXXX  and XXXX XXXX  Eastern standard time did not go into my account. No one has access to their accounts online or via mobile banking. When I called Citizens, they told me they dont know when this problem will be resolved. I can not pay my bills today that were due and I have no money in my account except for {$55.00}. I am stuck. This is not the first time this has happened with CitizensBank, where their system has gone down, and no access to any funds. They have no answers and did not offer any solutions other than an apology. This has gone on too many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX Portfolio Recovery Associates. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to XXXX XXXX credit card fraud department XX/XX/XXXX. XXXX XXXX stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into XXXX XXXX XX/XX/XXXX. My forbearance ended XX/XX/XXXX however due to a lapse with extending the forebearance in XXXX XX/XX/XXXX i was put in foreclosure status. I applied for a modification XX/XX/XXXX and was approved for a stand alone partial claim XX/XX/XXXX. However, I appealed it in an attempt to get a modification in addition to the stand alone claim. Since appealing i have had to completely start the process over again and submit paperwork already submitted and there has been little to no communication with anyone. i keep getting alerts that there has been an update to my SECOND application for assistance but when i log on there is nothing. The mortgage company keeps calling me with an automated message telling me to call them asap so when i turn around and call them back noone has a clue why i needed to call. I can not access my account or any information about my loan they have locked me out. Yet they keep sending me emails to my mortgage account communicating with me ( but locked me out ). They wont let me pay anything and can not obtain tax documents needed to do taxes. They also sent me a refund check for overage in my escrow last year that i did not receive until XX/XX/XXXX and then placed a stop on the payment but noone can tell me if it was credited back to my account. I call the attorney and cant get ahold of him. I am beyond stressed bc this process is so unorganized and impersonal. We seem to be getting nowhere and just backing up. This is a huge deal and life altering bc its my home and im asking that this please get resolved. Allow me to get this processed and done and allow me access to MY information regarding my loan so i may file my tax returns for the past XXXX years. PLEASE COMMUNICATE WITH ME. Calling me telling me to call you back is not communicating. This has been going on way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is reporting an account on my behalf that was fradulently opened! I did not give any written consent to publish this information on my credit report nor did I authorize this account to be opened in my name! By law section 1666! For each violation there is a {$1000.00} legal fee that should be paid to consumer!

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 2018-07-25
Company: Cawley & Bergmann, LLP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call on XX/XX/XXXX from a representative at Cawlee and Bergmann. Sent a cease and desist and I have received two more calls since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Bay Area Receivables, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted that the company that stated that i owed over {$800.00} for a company name blusoft I told them that I am unaware of this debt but yet i would still like to resolve it financially, the collection agency started who says i owe them stated that i owe over {$1100.00} for the a debt that was {$800.00} he continues to insults me by telling me that i won't be able to purchase anything because of this dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: Navient Solutions, 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: Account information incorrect

Complaint:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : Navient, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are names and addresses on my credit report that I am not associated with

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 2022-11-19
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A couple of months ago approx. in XX/XX/XXXX I received a bill from XXXX. When I called to find out what the bill was about they informed me that an account was opened at an address I lived at a year ago in XXXX. They informed me that they were going to investigate the matter and get back to me in a couple of months. Today XX/XX/XXXX I received a collection notice with the debt that is owed to XXXX  in the amount of {$210.00}. 

We moved out of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/XXXX of XXXX any account open after this date is Fraud. I closed my account with XXXX  and left it in good standing. See attached files. In addition, I have had a credit freeze on my credit report so how is it that they were able to open an account under my name? I have filed a police report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has commingled my and my fathers credit. I have a XXXX but they are reporting my fathers XXXX vehicles on my credit report. They are also claiming that my income to debt is 99 % which is not true. So I am wondering just how much they have wrong.

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