BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The alleged Trustee is threatening us with foreclosure but has still not provided the requested information regarding the note. We sent him the following QWR : XXXX XXXX XXXX Supervising Attorney Aldridge | Pite, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Main Office : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Direct Fax : ( XXXX ) XXXX XXXX www.aldridgepite.com Dear XXXX XXXX : My Family is contacting you directly because you and/or your company XXXX are claiming to be the Trustee of the DOT without providing us any evidence and we are attempting to avoid filing a lawsuit.

As you know we doubt you may or may not have the original note, but that is not what is being disputed. 

XXXX XXXX  paid value for the debt and was never named to the Note, as of XX/XX/2022. 

Out of all of the Notes exhibited into the court records, the Note filed into the BK court had an incomplete stamping which is being called a blank indorsement in which that you are claiming possession of the Note. 

Any one can claim possession of the Note at this point, however, that does not mean that anyone has acquired rights of enforcement. 

In fact, the only statute in which one would acquire rights of enforcement is Cal. Com. Code 3203. 

The Payment Stream ( The Debt ) is owned by the Guaranteed XXXX Pass-Through Certificates XXXX XXXX XXXXXXXX XXXX XXXX, and no one has shown that they have paid the trust the full value to take the debt out of the trust. 
Until that happens, the debt still lies with that trust. 

Someone may show up with the Note, however that does not prove that they have paid the full value for the Note. 

Where is the sale and purchase agreement from XXXX XXXX to whom ever purchased the debt out of the trust? 

There is no evidence. As you are aware the CFPB and FBI is being copied on this email and that is why we are asking your to clear this up now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: AL
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:
Equifax is not updating my credit report to reflect the correct information. I will upload information from other credit bureaus to prove that my information is not getting updated in the system. My credit scores are wrong and the last time my information updated was in XXXX which is wrong. I will be reaching out to upgrade to make sure they report my updated information to all bureau, furthermore equifax is showing inaccurate information across the board on their website. XXXX This needs to be corrected immediately. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I set up a high yield 4.5 % savings account at Citizens Bank ( a.k.a. Citizens Access ). 

After opening the account with Citizens Bank I received the routing and account number from Citizens Bank. 

I deposited {$25000.00} from my XXXX XXXX  Account to my new Citizens Savings Account on XX/XX/2023 with an account number ending in XXXX. 

I called Customer Care and the representative stated they were not going to accept the application. I asked them to return the funds to my originating XXXXXXXX XXXX  Account and they indicated they couldnt help me or provide any information on the status if my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, XXXX I became aware that I am a victim of identity theft. I have since contacted all three credit reporting companies ; XXXX, XXXX and XXXX to dispute information reported to them and I have also filed individual complaints to the individual creditors accordingly. XXXX of these tradelines/accounts that I have disputed was with Chase for an auto loan ( Partial loan # : XXXX ) to which I have disputed as not mine and or fraudulent. Prior to yesterday, it was an auto loan that was opened in or around XXXX XXXX, and then paid off in XXXX XXXX. Also, up until today it reported as at least reported as a paid in full with satisfactory pay history with an opening balance of {$22000.00}. Where as of today not only is this account still reporting on my credit, but it has since been updated by Chase as an account that was in fact not paid on time with the following late pay history reporting ; ( XXXX XXXX - XXXX XXXX as 30,60,90 & 120 days late ) with a credit limit of {$1000.00}. It also shows this account as first reported in XXXX. 

First off, all of this information is now even more wrong than it was before when I contacted them directly and disputed this entire account from the beginning on XXXX XXXX, XXXX. At this juncture, I would challenge Chase to verify that this account was even mine to begin with. At least prior to my disputing this, it was reporting as a satisfactory and paid in full account and now all of this information has changed. This is a violation of the FCRA on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am getting messages from Sn Servicing that Im unable to make online payments. When you contact their XXXX number you get no assistance but to leave a message and no one calls you back. I was able to make my payment online to them last month and now Im not able too. For some reason Im being blocked. I am also paying more on my mortgage amount not escrow amount that I originally signed for when my mortgage was done back in 2004. Im also being told I owe payments which were made but prior servicing company isnt reporting those payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed several unauthorized inquiries ( attachments included ) on my credit report. I have sent several letters to the credit bureaus regarding these inquiries. Equifax is the only bureau that has refused to remove these fraudulent inquiries from my credit report. I called them after waiting over 45 days after my written disputes & requests & was advised by a very rude representative that there was nothing he could do & that he did not care if I filed a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
DPT ED/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 2020-01-08
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank took over the servicing of my loan. I was required to set up new online information, which I did on XX/XX/XXXX. All login, password, pin and security question/answer information were noted and filed. On XX/XX/XXXX attempted to login and was told my information was incorrect. Called PNC Bank Mortgage and was told my account was locked. With PNC representative on the line I went through the process to reset my information. After completing I continued to get an error message saying the reset was not working and to call PNC customer service ( of which I was on the line with ). She then told me my only remedy was to send a new pin in the mail which would take 3-5 business days. Then I would have to start from the beginning with this process. In addition, I asked for my latest statement ( of which I was trying to access online ) and was told they could only physically mail it or charge me {$15.00} to fax! Just a total fee grab. Email or texting was not an option which is absurd in addition to the fact the customer service team ( whose number appeared in the error message! ) could not even solve my issue and their only solution was to physically send me a code to reset my information and start all over. Now I sit waiting 3-5 days to access my information. PNC Bank Servicing my loan has been terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Chase Mortgage and Chase branch XXXX located on XXXX and XXXX XXXX XXXX Mi XXXX in early XXXX 2015 and on XXXX/XXXX/2015. And asked if I could pay my escrow shortage plus additional funds to reduce my monthly payment amount for the following 12 months. I was advised by Chase Mort rep that as long as the additional funds were submitted by XXXX/XXXX/2015. Then the monthly payment would be reduced as the escrow portion of the payment would not need to be as high. I called Chase Mort on XXXX/XXXX/2015 and spoke to a rep, that advised the previous reps provided incorrect information and that was just too bad. I asked to speak with escalated services and was transferred to XXXX at XXXX ext XXXX and was told I could have a refund of the additional funds paid. I advised I did not want a refund, I want to complete my original request. XXXX advised that there is nothing that can be done to complete my request. I asked if the escrow analysis could be re-ran then have updated payment amount re-disclosed, XXXX advised no, if a new analysis were to be ran it would just create a refund of the over-payment.I asked XXXX to file a formal complaint on my behalf and provide a complaint confirmation number, XXXX stated she could not file a customer complaint but I could fax in a written complaint. I asked if she had a manager that I could speak to she advised her manager is XXXX XXXX, she connected me to voicemail but stated he was unavailable and she did not know when he would be available. I left a message for the manager to call me back, but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2022-01-28
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to Metro 2 standards.Accounts are as follows, 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I contacted XXXX on XX/XX/XXXX to let them know that they are incorrectly reporting my student loans. They have reported them as included in my bankruptcy and they are NOT! I filed XXXX XXXX bankruptcy LAST YEAR XXXX! My accounts have been CURRENT before the bankruptcy. As a matter of fact, they are getting ready to be discharged due to me being XXXX XXXX XXXX  XXXX XXXX veteran. They blamed the credit bureau for the mistake but transunion is reporting the same info! They refuse to correct the situation and keep blaming the credit reporting agencies! I suffered a XXXX point loss to my XXXX report and a XXXX point drop to my transunion report. This is unacceptable. My next step is to sue in federal court for the damages this has caused to my report!

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 2016-09-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
You have failed to respond to a certified letter date XX/XX/2016. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and XXXX, Transunion and XXXX have all neglected and refused to remove fraudulent account.

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 2023-05-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing to appeal the permanent limitation that was placed on my PayPal account with the email address XXXX. I believe that this decision was made in error, and I have not violated any of PayPal 's policies. 

Firstly, I would like to emphasize that I have been a loyal PayPal user for several years and have always complied with the terms and conditions set forth by the company. I am confident that I have not engaged in any activity that would warrant a permanent limitation of my account. 

I believe that there XXXX have been a mistake in the review process, leading to the permanent limitation of my account. I would like to request that PayPal re-investigate my case and consider restoring my account, as I believe this action was taken unjustly. 

As a PayPal user, I understand the importance of adhering to PayPal 's policies and regulations. I have always taken this responsibility seriously and would like the opportunity to continue using PayPal to conduct my financial transactions. 

I appreciate your attention to this matter and respectfully request that you review my case with utmost care. If there is any further information that I can provide to assist in this process, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
Promotional purchases & Non promotional Purchases. : XXXX Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.

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 2020-01-08
Company: Westlake Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Diversified Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
M. Leonard and Associates are trying to collect a debt that my ex-wife put me down as a responsible party in XXXX. I have been divorced from her since XX/XX/XXXX, Fourth Judicial District of XXXX, Montana XXXX File Number XXXX. The courts phone number is ( XXXX ) XXXX. I was not responsible for any of her debts after the divorce, nor have I been notified by this collection agency. The only reason I found it, is that M. Leonard has reported the debt to my credit reports without my knowledge. She is committing fraud, and identity theft. Please remove this from my credit reports immediately. Should you need a copy of the divorce decree, please let me know, or the court can supply a copy with the information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX {$3600.00} Source receivable management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX REFERENCE NUMBER : XXXX I found collection account on my credit report that I did not owe. 
So I contacted the company who reported for detail information but they told me they can't provide any information but total amount and it was for XXXX XXXX bill back to XXXX. 
I called XXXX XXXX to get more information but they give me the collection agency number which is I have it already. 
I never received any bill or any information for {$3600.00} invoice and I paid off my final bill for XXXX XXXX account which was {$250.00} I never paid late or skip the payment either. 

I'm searching for buying my first home and because of this issue I can't get a mortgage financing. 

Please help me out to address this issue. 

Thank you.

Company response to consumer: Closed with explanation