BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/, 2019 I received the first phone call from National Credit Systems Inc. XXXX XXXX was the employee who spoke to me. He used aggressive and loud language and while attempting to understand if the debt was added XXXX my credit report, he hung up on me. 

I called back and reached him where he told me if I didnt listen to what he had to say he would hang up on me again. I asked to speak to the manager, and he hung up on me. 

On XX/XX/XXXX he called me back and I told him I would make a complaint if he spoke aggressively toward me one more time. I was able to tell him that I am not disputing all of the charges owed, but my previous lease did not require me to pay for some of it. He stated that he filed the dispute. 

On XX/XX/, 2019 XXXX XXXX called me back and stated that the lease he had did not contain literature about pet damage. Once I realized the apartment complex provided the wrong lease, I provided the updated lease that included the pet addendum. I told her what paragraph to find the literature and we disconnected neutrally. 

On XX/XX/XXXX XXXX XXXX called me and spoke to me. He explained that the apartment complex would not remove the disputed amount of money. He told me that he never asked me for an updated lease and that he did not know what I was talking about. I reminded him that I in fact sent the email to his XXXX, XXXX XXXX with he email he provided me. 

XXXX asked me why it was a big deal to dispute the small amount that was owed instead of paying it. I told him my lease stated I was only responsible for a replacement and not a repair, as the literature stated. XXXX XXXX interrupted me and disconnected the phone call. 

National Credit Systems is refusing to mediate the amount owed and refusing to understand the literature of the lease in question. National Credit Systems is using harassing tactics to prevent me from paying only the money I owe. I have stated many times I am not disputing the majority of the debt and I am willing to make payments. I am unwilling to pay for what I am not responsible. National Credit Systems is attempting to stall on the issue to allow for enough time for the debt to go into  collections for purposes of profiting. I attempted to speak to the XXXX XXXX XXXX XXXX on XX/XX/XXXX but was only allowed to leave a voice mail and was told he would not accept my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Grain Technology, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent Grain a recession letter, rescinding and cancelling the transaction on XX/XX/XXXX. They received this letter on XX/XX/XXXX via certified. After receiving this letter, Grain pushed me out of the app and attempted to make me resign the agreement and verify my identity. Proving that the transaction was cancelled. They never responded to my letter. After they received the recession letter, I sent an affidavit of truth and a consumer enforcement action letter on XXXX XXXX. They never responded to either of my letters that they received on XX/XX/XXXX. In the XXXX 's of law, any unrebutted affidavit stands as truth in commerce. After they received the affidavit of truth and consumer enforcement action, the app page changed again. Grain pushed me out of the app which has prevented me from making payments. Now they are reporting late payments which is unfair because they pushed me out of the app after my recession letter. Late payments are illegal under any " open ended credit play '' pursuant to XXXX XXXX XXXX. I decided to send another cease and desist on XX/XX/XXXX. They recieved this letter XX/XX/XXXX. I've sent Grain multiple letters that they have failed to respond to. I haven't been able to get into the app to make a payment since XXXX. I've allowed Grain applicable time to respond to my documents. Grain is participating in unfair debt collection practices and truth in lending violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SYNCHRONY FINANCIAL
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX SYNCHRONY BANK Account Number : XXXX This is not mine.

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 2022-10-26
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 XXXX has me at a score around XXXX. 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 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 depressed 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 2021-02-16
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an extended alert set up in 2017. The phone number listed in the alert for financial institutions to contact me at prior to extending new credit is no longer accurate and is now associated with another person. I am trying to complete the process for a vehicle loan and am unable to do so until I can get the proper phone number updated. 

I have called XXXX and Experian and I am unable to get someone on the phone as it is an automated service that results in dead ends. I have visited their websites for information and each separately requires that I submit paperwork to include a form, photo identification, W2s, paystubs, or utility bills via fax or mail. This process is an undue burden in that the amount of time they say it will take to complete the request to update my contact information will prevent me from closing my loan application and from registering my vehicle so that it is road legal. In addition, the incorrect phone number currently listed in the extended alert instructions to financial institutions is currently a security risk as it is an incorrect phone number that now belongs to another individual.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Company has been incorrectly reporting to me a score based on 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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The three major credit bureaus : Transunion, XXXX, & XXXX are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America was the mortgage company for my wife 's house. ( The reason I say my Wife 's house is because in XX/XX/XXXX we purchased the house. I paid half of the down payment and my wife paid the other half. Went didn't get married until XX/XX/XXXX. In XX/XX/XXXX we had a below ground pool put in the back yard. It cost {$33000.00}. In XX/XX/XXXX my wife contracted a XXXX XXXX and lost her job. She was a registered nurse and had made good money. By then I was on Social Security XXXX. I couldn't make the house payment as they were and I sure couldn't afford the pool payments. My wife contacted Bank of America and they were told that she gave them permission for me to handle all of the affairs as it pertains to our home. In the meantime XXXX XXXX  is sending us letters demanding their past due payments. I forwarded this information to Bank of America. Bank of America told me don't worry about XXXX that they would handle them. In the meantime we were approved for a temporary loan modification and a permanent modification would be approved if I made 3 monthly payments on time. Which I did. To make a long story short Bank of America did not live up to their agreement. XXXX ended of selling our house in XX/XX/XXXX. My wife had become so depressed after me fighting with Bank of America and XXXX XXXX for a couple of years trying to resolve our circumstances with both Companies. Which would have never happened if Bank of America had not constantly lied to us. XX/XX/XXXX my wife XXXX XXXX by XXXX XXXX in the garage of the same house at XXXX XXXX XXXX XXXX XXXX Texas, XXXX. She couldn't take it anymore. I would continue to fight until the house was sold by XXXX XXXX. The day my wife took her life i was not at home. I received a call from one of  my neighbors to get home right away its bad. All i could think about driving home was maybe my wife had gotten hurt someone how. When I got to the house the garage door was open my wife was lying on the ground with someone in scrubs trying to perform CPR. All I could do was cry and beg him to save my wife. Here tried until E.M.S.  arrived and worked on my wife for nearly and hour as I cried out in agony. They pronounced her dead. That was the worst day of my life. My wife 's name is XXXX XXXX XXXX. Thank you Bank of America for taking our future away together.

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 2023-10-03
Company: MOHELA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per Department of Edu and servicer statement should have been received XXXX  days prior to the first due date after the repayment pause. This did not occur, first payment due XXXX and email with statement received XX/XX/XXXX. Shows made available on servicer 's portal on XX/XX/XXXX. Also received email confirming auto-payment improperly formatted to the point it was missing the scheduled date for withdraw. The discount for having the loans on autopay is also not made clear that it is applied to the interest calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$490.00} XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$70.00} XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$200.00} Paid the XXXX XXXX XXXX via XXXX online bill pay. The business claims they did not receive the payment and they provided proof that their bank account, also XXXX, does not include a deposit for the payments above. 

We opened an investigation with XXXX requested proof the funds where deposited and they stated, " We found the transactions was processed according to the information you provided or was authorized. '' They failed to provide proof the funds were deposited and gave us two different answers stating the payment ( s ) were made electronically then physical checks were mailed. They refuse to give us a copy of the endorsed physical check ( s ) or a tracking number for electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received only a couple of calls from Credence Resource Management claiming I owe money. {$78.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc refuses to remove errant information from my mortgage statement. On XX/XX/2022, I made my payment for the mortgage statement due in XX/XX/2022. The late date is XX/XX/2022. Last week I asked a rep to remove the errant " past due payment '' from my statement. He replied their statement was printed XX/XX/2022 so it didn't account for the payment I made on XX/XX/2022. He said the statement could not be changed. On XX/XX/2022, I made the payment for the XXXX amount due. On XX/XX/2022, I called again in frustration and asked another rep XXXX XXXXXXXX XXXX to remove this errant information but he said he couldn't. Select Portfolio Servicing, Inc appears to be playing games in the new year because I have not experienced this from them before. Please compel them to remove the errant information from my mortgage statement. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: GA
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:
This constitutes a breach of 15 US Code 1681s-2, which outlines the obligations of entities supplying information to consumer reporting agencies. They have neglected to furnish me with written notice regarding the account before its inclusion in a report. Consequently, I insist that the account be expunged from my credit report due to my disagreement with the alleged debt.

Furthermore, they have transgressed my rights as delineated in 15 U.S. Code 1681b ( 2 ), which details permissible purposes for consumer reports. By reporting the account without my consent and misusing my social security information, they have run afoul of this code. Hence, as a victim of identity theft, the imperative of 15 US Code 1681c-2 is to block such data unless I provide explicit written authorization.

Per 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my right to privacy. Regrettably, your organization has breached this consumer privacy right by publicly divulging this information without my authorization.

I urgently request the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: SOUTHSTATE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX  impaired and asked for a coupon booklet with South State Bank Loan no. XXXX. They said when I refinanced my investment property I stated that I did not want a booklet. I said I was never asked that nor did I respond that I did not want one. I told her it is hard for me to pay on line when my XXXX  gets XXXX  and could the bank give me a reasonable accomodation. I called customer service and spoke to two representatives twice and also to two supervisors and they told me my reasonable accomodation is to pay monthly XXXX to pay my bill over the phone. I told them that is not a reasonable accomodation under the American with Disabilities Act ( ADA ). The bank official said yes it is. Then someone called me back to say there is nothing they could do for me. I have other investiment properties and have coupon booklets for the year what is the problem here? Two customer representatives even hung up on me. It is my opinion and belief that their service is egregious and I have been doing real estate since 1975. The representatives at the bank would not give me the President of the bank 's name or corporate headquarters address to which I responded " Don't you do business in the U.S. and aren't you regulated by the federal government. They said it is not the bank 's fault but the loan officer 's fault ( a South State Bank employee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
My main issue is that Experian continues to discredit me with my credit score sometimes 70 to 80 points less than the other two reporting credit bureaus. I had four family members and two friends for all three credit reports Experian was low on every one of them by at least 30 points sum by XXXX points. When I have contacted them and ask them why they want me to pay to get my information. It feels like a complete scam. They never can give me information all they say is not all credit agencies report the same way. This is illegal and this messes with my financials. It is a scam and I want it resolved immediately! Please help me Ive even asked for my free credit report several times and have not received anything. This company is absolutely unwilling to help or do anything. I just received notice from XXXX XXXX and XXXX last week and my score went up to XXXX and XXXX. I received information from Experian today that my credit score dropped almost XXXX points. I just paid off balances and I dont understand why that even happened. I want and need answers and now that Ive had other people involved theyre probably going to send you complaints as well.

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