BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have an approval from SPS for the previous buyer ( issued on XX/XX/XXXX and good through XX/XX/XXXX ). This buyer backed out at the last minute and we submitted a new offer on XX/XX/XXXX to SPS. SPS had acknowledged receipt and has been telling us for the last TWO WEEKS that the offer is under review. Now, all of the sudden, they are refusing to work on the new offer claiming the auction date is too close. In previous conversations with SPS they stated the full package and offer must be submitted more than 37 days of the auction date ( XX/XX/XXXX ) so that there is time to review for the approval. Instead of reviewing the offer that was submitted more than 37 days prior to the auction date SPS is now making up new numbers and claiming the offer has to be in within 47 days. 



-- -- -- -- Our new offer was submitted WELL before the 37 days prior to this auction date and SPS is STILL REFUSING to review the new offer. Its not as if we were asking SPS to re-view completely new terms - the buyer can close very quickly as it is an all-cash offer AND the terms for the new buyer were exactly the same as the old buyer. 


-- -- -- -- When pressed on the date discrepancy between the 37-day rule and the new 38-day rule, SPS came up with a flimsy excuse, saying they wont review the new buyer because they were working on an extension for a previous buyer and were unaware that that buyer had walked during the extension review. I find this to be disingenuous at best because as soon as we knew about the new offer, we told SPS and provided them with another offer the same day. There was no hiding of any facts or deception by us in regards to the status of the buyer. 


-- -- -- -- ****Additionally it is important to note that the ONLY reason the extension was requested in the first place was due to the other THREE LIENS with the FTB and the IRS , on the property, which we have already started work on getting removed so that we can close as quickly as possible. In fact, the IRS has already issued their release, and the FTB is only days away from issuing their release letter. Both releases are at NO COST to SPS nor the homeowner.

-- -- -- -- Normally, SPS approval letters allow 45 days to close. SPS only  gave 30 days on this one. WHY???? Is it because he's XXXX? 


-- -- -- -- I want the new offer to be reviewed. There should be no issues or further delays, as the terms of the offer are the exact same as the ones SPS already approved. We may need a small extension to the approval letter itself, in order to obtain the THREE Lien Releases from the FTB and IRS there is nothing we can do about this-we cant make them disappear. ************* HOWEVER, we will close prior to the auction date of XX/XX/XXXX we just need an approval for this new buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I was directed to call My synchrony bank phone number XXXX from my Venmo card services and once I call a number calls me at the same time this was at XXXX pacific time because my transfer of XXXX didnt show in my account like it said it would in the app

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 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft I filed a police report I submitted the police report to the credit bureaus and the credit information is still on my 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: Southwest Credit Systems, L.P.
State: KY
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:
this company has violated my consumer rights and caused me and my family finincal harm because of reckless reporting of inaccurate information that they know to be false and misleading, per the fair debt collection practices act section 10006.34 requires a debt collector to provide validation that this account is mine by provide a signed contract that i agrreed to do business with this company and that i owe this aledged amount futhermore 15 usc 6802 obligation with respect to disclosures of personal information i did not give premission and opt out of any personal information be shared with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EdFinancial Services
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I DID NOT DISPUTE ANY OF THESE ACCOUNT PLEASE RE-INSERT THOSE ACCOUNT, I'M BEGGING YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: NJ
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 account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-05-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NJ
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove 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 explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: MN
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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/18 RE : Account : XXXX XXXX XXXX  # XXXX  To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: AL
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:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


Account : XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
AMEX XXXX This account is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with XXXX XXXX thru XXXX loss and mitigation ( LM ). 
As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. 
As of XX/XX/XXXX, settlement offer was received from XXXX. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). 

However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late PaymenXXXX '' and from XXXX to XX/XX/XXXX as " Charge Off ''. 

I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. 

Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. 
Afterwards, I filed dispute with Experian, but Experian agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, yet.

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 2022-05-01
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: LA
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 non-monetary relief
Consumer complaint received 2019-11-20
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Midwest Recovery Systems. I am not liable for this collection from XXXX XXXX XXXX. I am not responsible for this debt. This collection was removed as of XX/XX/2019 from my credit report, and in XX/XX/2019 it was placed back on my credit report, without having the 5 day notification prior to the placing. Which is a FCRA violation. Remove this fraudulent collection immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I received a consolidation loan from a federal XXXX XXXX. XXXX of the stipulations of the loan was that I was to close my account with Chase Credit Card XXXX. A letter stating I wish to close my account, and a check to payoff the balance at the time ( based off the amount online ) was mailed out on XX/XX/2023. The payment was received by Chase and applied to my account on XX/XX/2023. The day they received the payment and letter should have been the date my account was closed ( if not date of payment receipt then day after which would have been XX/XX/2023 ). On XX/XX/2023 there was a charge from XXXX for {$20.00} and change that I did not remember was connected to the Chase card. However, since my Chase card should have been closed I thought I would receive an email from XXXX stating payment was rejected and to add a new payment method ; that did never occurred. During the month of XXXX, I began receiving messages about a past due amount on my Chase account. I checked the Chase account to make sure it was closed, and was shocked to find I had an overdue balance of {$130.00} and change. This was when I realized the XXXX charge was never rejected and that on XX/XX/2023 an interest fee of {$84.00} and change was charged to my account ; an account that should have been closed at the beginning of XXXX per my letter. I messaged Chase about the situation and asked that the interest charges and late fee be removed. They replied stating that the late fee of {$29.00} and interest charge of {$1.00} was removed. I also stated that per my letter that they received in late XXXX XXXX, my account should have been closed. I let them know that I would pay the XXXX charge that was charged to the account, but requested to have the {$84.00} interest charge removed. They replied that they could not remove the interest because it was a residual interest charge and that any further requests to remove the charge would be ignored and denied. I stated that it was unfair that my account should have been closed prior to the interest charge being assessed and stated that they were a horrible company to treat a long time customer like this ; a customer who liked their company and would usually pay on time. Since sending my last message I have not heard back from Chase, even though I received an message stating my message was received and I should hear back in 2 business days. It has been 4 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: SANTANDER HOLDINGS USA, INC.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
SANTANDER CONSUMER USA Set direct deposit with Santander Consumer USA through XXXX XXXX XXXX. 

Santander Consumer USA didn't mail statements or notices to Address. They never reach the customer. We spoke to XXXX XXXX  to insure the direct deposit was there. 

Contact the Post Office and the carrier the statement weren't send to the address ' Santander is local in XXXX Texas I have a land line I live at my resident for 40 years and Bank at XXXX for 35 years I get my mail for my other bills etc. 

I wasn't told of any problems through call mail or other Poor communication on the part of Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account with Capital One was opened in my name on XX/XX/XXXX. The account was opened as fraud. Per conversation with the Capital one, the rep said the account could have been opened under my social security number as a authorized user. The account was also opened in Florida. I've only ever lived in Georgia. Also, whoever opened the account used a Florida address and that is also on my credit report. I am a victim of fraud. Also another account was opened in my name on XX/XX/XXXX. I haven't created any accounts since opening my only credit card in XXXX.

Company response to consumer: Closed with explanation