BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear SPS, I am in receipt of your letter dated XXXX XXXX XXXX, In that letter, you assert that Select Portfolio Servicing ( SPS ) is the " servicer for the account. '' You may have answered part of my questions, but I need clarification on what you mean when you use the words " servicer '' and " account. '' In plain language, are you stating, asserting, or alleging that you are providing services in connection with an existing unpaid loan account maintained on the books and records of XXXX XXXX XXXX ( or some other company or institution ) wherein said loan account is due from me and payable to XXXX XXXX XXXXXXXX as the creditor? 
are you stating that you physically receive my payments, account for those receipts, and distribute the money to a creditor ( s )? 
Can you provide me with the contact information of anyone who owns the alleged or implied unpaid loan account? 
I ask these questions for what are obvious reasons. Without receiving direct acknowledgment of the existence and ownership of the unpaid loan account, I can not confirm or deny the truth of the matters you assert, to wit : that you have the authority to administer, collect or enforce any debt, note, or lien issued by me. 

The claims of securitization have resulted in a wide variety of conclusions in court -- - including but not limited to findings of fact and conclusions of law that the alleged trustee was not entrusted with ownership of any debt, note or mortgage issued by the homeowner. 

Further, some decisions have held that the " servicer '' could not produce evidence that it was, in fact, performing the servicing functions that were argued or implied in court. 

All of this can be resolved by the creditor 's corroboration of the facts and authority you want me to accept as true. 

Regards, 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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
I am applying for a mortgage and Transunion returned with a " suppressed File '' notification. There verification system question had information completely unknown to me and locked the file. As just my Broker can not start the underwriting process. 

After attempting to contact online, by phone, and by chat, I referred to the Special Handling Department. While they explained the situation well and told me how to remedy it. They are requiring a mail in of sensitive personal information ( SSN Card copy ) to remedy. 

It would seem to me that the Company should notify a consumer when they take action on their file like suppressing it.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-10-10
Company: Westlake Services, LLC
State: GA
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:
I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX. I have been paying them on time.They went bankrupt and Westlake Portfolio management which is a debt collector has been calling me trying to get money from me for this car. but they do not have my contract with a wet signature nor are they a lien holder on my car.They sent me information saying i have to pay them {$25000.00} for this car.i only bought the car for XXXX and have been paying for a year so that isnt correct. i call them and try to talk to them about it and my concerns but they just keep demanding payment or they are going to re-po my car.i am a XXXXXXXX XXXX  and i am under enough stress.i feel like what this company is doing is illegal.how can they start a new contract for more money? i do not trust this company and only get angry representatives on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Around Covid 19 when things started to get bad for Americans XXXX XXXX offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my god these companies waste no time then send incorrect information.

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was removed as an authorized user on a Capital One account. I have been removed as an authorized user. Im in need of this being updated and removed from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am writing to file a formal complaint against Citizens Bank regarding several accounts ( Checking, multiple CD accounts ) My father passed away on XX/XX/2023. His accounts at Citizens were designated as payable on death to me, his son and only heir. 

On XX/XX/2023, I downloaded, completed, notarized, and submitted the appropriate Citizens form with an original death certificate to begin the process of closing the accounts and transferring the accounts. 

On XX/XX/2023, after not hearing back from Citizens, I attempted to inquire about its status by contacting Citizens Bank 's customer service. However, I was directed to my father 's bank branch in XXXX XXXX, PA. The bank representative at the branch confirmed that they had received the information about my father 's passing and requested additional documentation, specifically a funeral bill, which I promptly provided. The next day, I was informed that the release of funds hinged upon my submission of a short form from the Pennsylvania court system. 

I told the bank that I will not be able to provide a short form as there is a delay in processing the will ( which does not affect a payable on death account. ) XX/XX/2023 After consulting with an attorney, I have come to understand that such documentation is unnecessary for accounts designated as payable on death. Furthermore, there is a time constraint as I have less than a month left to take advantage of the opportunity to settle estate taxes ahead of schedule to receive a discount in relation to these accounts. 

I sent a registered letter to Citizens corporate address, XXXX XXXX XXXX, XXXX, XXXX XXXX. They confirmed that they received the original form, but then sent then forwarded my letter back to the branch that is denying the account transfer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I requested an update by XX/XX/2023 and have not heard back from the bank handing the account. 

It's important to note that Citizens Bank is the sole financial institution requesting this additional, unnecessary information. 

This situation has become increasingly frustrating, exacerbated by the fact that despite my efforts to seek assistance from Citizens ' customer service and to connect with someone knowledgeable in estate planning, I am consistently redirected to the branch that has deemed these extraneous documents necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to attempt to collect a debt that does not exist. I did not answer the calls because I saw it was listed as a scam. They then called my husband told his a fake case number and said it was a legal matter

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 2024-01-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I have made several attempts to dispute a merchant charge with my credit card company, Barclay 's Banana Republic Mastercard. I received the wrong merchandise from retailer XXXX who refused a refund. Credit card customer service first declined the credit due to insufficient information. They instructed me to fax in photo of item ordered, photo of item received, description of issue and all email correspondence between myself and merchant to show proof of my attempts to get a refund. I provided all requested documentation but now credit card company is stating I need a third party letter from another retailer who sells the same item stating that the item ordered is different from item received. The photos provided CLEARLY show the difference. Dress I ordered has long sleeves and is described as a maxi embroidered dress. Photo of dress received is short sleeved, not embroidered and has a different neckline. The credit card company refuses to resolve.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX, I was at a restaurant and my card was declined, they encourage you to use card to get rewards and had done so, Instead of calling asking about the use they shut down my card and called me after the the fact, and refused to let me know why saying it was an on going investigation, 15 days latter they finally let me know it was because i tried to use the card, I was only 45 minutes away from my home. I was totally humiliated, this was a Sams Synchrony Bank card

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 2023-06-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-08
Company: EQUIFAX, INC.
State: IL
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:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-24
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). NRA Group , LLC is still continuing to report an alleged debt onto my consumer report. I am demanding that XXXX group cease & desist all forms of communication activity through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k

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 2023-08-23
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i XXXX XXXX as the victim reporting identify theft as i seen and noticed on my credit report an unauthorized collection from XXXX XXXX XXXX XXXXBull City Financial Solution with a open balance of {$370.00}, my personal information was stolen and someone had use my identity information to open this account on XXXXXXXX XXXX.i have no knowledge of this account and This account is not mine i noticed that this unauthorized and unverified collection account had been open in my name without my consent without my knowledge. i XXXX XXXX would like to have this collection account DELETED and REMOVED from off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A company listed on credit report as VANCE and Huffman LLC has sent out a debt collection notice to me trying to get XXXX dollars from me. I never took any sort of credit or loan from any company under this name and with me having a near perfect payment record it was absurd hearing of this out of nowhere, then threat of legal action towards me and attempts to seize assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I wrote XXXX this letter and they stated to me that there was nothing that they could have done to help me. 

( Dear XXXX, I am writing to explain the late payment that was reported on my credit report in XXXXXXXX XXXX XXXX At the time, I experienced an unexpected financial hardship due to a family emergency, which required me to take time off from work and incur additional expenses. 

Unfortunately, this situation made it impossible for me to make my payment on time. I was unable to secure additional funds through credit or loans, and my limited financial resources were focused on covering basic necessities and medical bills. 

However, I have since regained my financial stability and have made consistent payments, keeping my balance up to date. I have taken steps to improve my financial situation, including seeking additional sources of income and creating a budget plan to manage my expenses effectively. 

I understand the importance of maintaining a good credit score and take my financial responsibilities seriously. I hope that you can take this into consideration and remove the late payment from my credit report. 

Thank you for your time and attention in this matter. If you require any further information, please do not hesitate to contact me at XXXX  I appreciate your assistance in the removal of this 30 day late payment by XXXX in XXXX XXXX XXXX 

Sincerely, XXXX XXXX ) They did not respond to me at all. I had to call the company for them to tell me that they will not remove the 30 day late report to the creditors. Please help me to remove the 30 day late mark on my credit report. 

Thank you

Company response to consumer: Closed with explanation