BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX I had a mortgage with XXXX  XXXX XXXX. In XXXX XXXX  XXXX XXXX  went bankrupt. XXXX FDIC assigned, my mortgage to XXXX XXXX as the servicer and XXXX as the trustee or receiver of the funds. This was noted in the record of deed in XXXX County. Then XXXX, XXXX XXXX  sold the servicing rights to SPS servicing who also told me they wrote off the note at that time when they gave it to SPS servicing. After they sold it off I called since then and they said they had written it off and were no longer doing anything with my account. I have been paying SPS Mortgage payment even after I filed bankruptcy in XXXX. Then recently in XX/XX/XXXX I requested a short payoff and was told by SPS that I have to get that from the note holder. I then re contacted XXXX and they told me that they had written off the note and their was nothing that I owe them. I then went back to SPS and they told me to write a letter to XXXX, SPS first insisted they were note holder. I then went 3 way on XX/XX/XXXX and talked to XXXX and asked them how can I get a short pay off. Again they stressed that I owe nothing. Then SPS said I can send a letter. I sent a letter. XXXX gave me a fax number to fax it too, which was XXXX XXXX XXXX XXXX requesting a XXXX XXXX. When I checked the records of deeds office, It shows XXXX was still receiver, and XXXX XXXX. was Trustee. I then contacted XXXX again, they said again the wrote it off and said they had nothing else to do with my loan to contact SPS. Then SPS sent me a payoff letter which includes interest but XXXX wrote it off in XXXX so I wanted to know why I was still accruing interest. I was still under the impression that the lien holder was XXXX XXXX. When I contacted XXXX XXXX, they keep sending me back to XXXX. I'm still stuck trying to get my lien released. Then XX/XX/XXXX select portfolio servicing sent me this letter saying it was 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently filed a dispute with Experian to see if could remove the late payments from one year ago in my car loan with XXXX XXXX  XXXX XXXX XXXX. When the dispute was complete, the whole account was removed from my credit report when I only requested the late payments be removed. Experian told me the credit Union needs to reinstate the account and the credit Union is telling me they are still reporting it. Its still not there. It is an open account that I pay on time and am not getting the credit for it being in good standing. I have not heard back from my credit Union to get help with correcting this and I cant reach a live person who can help me either. Both parties claim the other is to blame and in the mean time, Im not getting the credit I deserve.

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 2019-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of {$730.00}. Verification according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 )  ( A ) through the PHYSICAL verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I requested. They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Receivables Management Partners, LLC
State: IN
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 was XXXX and something got a XXXX  XXXX card in my name and the credit bureaus will not remove it I have proof that I was incarcerated before, during, and after the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Equifax as the inaccurate account has been verified through phone and not through the Equifax website from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the natural person say? If they do not have a specific natural person being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Equifax would have to delete this account from my consumer report. Since their verification is not factual then I want " US DEPT. OF EDUCATIO '' DELETED FROM MY CONSUMER REPORT. I WANT ALL RESULT TO GO THROUGH THE CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a lease with my ex but i had to move out as the relationship ended. He handled the lease.but i went to the leasing department to get my name off the lease, Since then i have seen a XXXX follection on my credit report from a collection company but no one will send me a detail for what its for. Please help. That is way higher then it should have been even if i was on the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX and JPMCB XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only XXXX continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I wasnt responsible for this account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Recently received in the past week a personalized card from XXXX XXXX with my name that I did not sign up for or have any affiliation with. I tried contacting the company multiple times and through multiple different numbers and every time, I am prompted to enter my social security number. I am unable to take any action with this unfamiliar card including cancelling and reporting without giving them this information. I am worried that the company has my information and will affect my credit report. Also I was unable to cancel it on their website.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered in XX/XX/2023 that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX pulled my TransUnion credit report on XX/XX/2023 without my knowledge or consent in person by phone or email. I further discovered that on the same day XX/XX/2023 my personal credit information was submitted to 4 different auto lenders XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/2023 XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how this company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and 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
Consumer complaint received 2023-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with Bank of America had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. Bank of America has listed my account as XXXX and when provided with all the documentation they stated that I could not go through them I had to go through XXXX to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter XXXX still unable to get a bank account. If it wasnt for having XXXX already for my business I would be stuck. I have tried fighting this with XXXX and each time they indicate that Bank of America is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this XXXX particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you

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 2023-03-07
Company: ProCollect, Inc.
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:
PROCOLLECT is violating my rights to privacy 15 USC 1681 section 602. PROCOLLECT is also violating my rights 17 CFR 240.14c-6 by placing false and misleading statements without firsthand knowledge of all stated facts. under 15 USC 1681 section 604 ( a ) 2, a consumer reporting agency can not furnish an account without written consent from the consumer. PROCOLLECT 15 USC 1681a ( q ) ( 3 ) commits identity theft by using my personal information without written consent.

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 2023-02-08
Company: EQUIFAX, INC.
State: NY
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 had someone that was not me try to take credit cards and loans out in my name. 
It caused issue with me buying and getting a home improvement loan. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced. 

I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty. 

I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account name : XXXX XXXX XXXX has violated my rights. 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. I want the CFPB to publish this description on consumerfinance.gov so that others can learn

Company response to consumer: Closed with explanation