BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THERE WAS NO XXXX XXXX XXXX. 

A XXXX XXXX XXXX was paid and released in XXXX. The balance was transferred to XXXX. 

XXXX was added to the XXXX XXXX loan in XXXX. 

XXXX and XXXX were both paid off separately in XXXX. XXXX XXXX paid off both mortgages. The XXXX XXXX 2nd mortgage paid off the XXXX loan with {$34000.00} taken from the second mortgage along with {$44000.00} to various credit cards.-including {$7000.00} to XXXX XXXX credit card. 

XXXX was paid and released in XXXX. 
The XXXX XXXX second mortgage was paid and released in XXXX. 

The XXXX  XXXX first mortgage was paid but NOT released until XX/XX/XXXX after FDIC gave power of attorney to XXXX to release the mortgage transferred twice by XXXX and XXXX XXXX XXXX. This was done promptly but with no date of the payoff We have contacted both FDIC and XXXX. That I need the exact actual date the XXXX XXXX first mortgage on my house was paid from the payments made. 

This is extremely important as XXXX XXXX has {$350000.00} of my proceeds from the sale of my house for a loan I already paid. 

Everyone is aware of this but nothing has been done. I am days away from paying a penalty for the money I had to take from my retirement account to move into the new house. 

I want this investigated and I WANT A CHECK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX, XX/XX/XXXX was my daughters birthday my family and I planned a trip to XXXX while I was out there I misplaced my XXXX XXXX  debt card, I called them and notified them and they told me I can receive my funds through western union. The XXXX XXXX  representative was very helpful and set the wire transfer up for me and gave me my confirmation number. The transaction was for only {$400.00} confirmation code XXXX and it was from my account. when I went in to the XXXX XXXX branch in XXXX the lady that assisted me told me that someone had already received the funds. The western union was across the street from my hotel so I know nobody picked the money up so I called western union and was told that there was a compliance issue and that XXXX XXXX  would need to call them to confirm the transaction. I hung up and called XXXX XXXX and they told me they would call to confirm the transaction. The rep called me back and told me that the funds would be returned and that something went wrong. Im not sure what could have went wrong. The whole transaction was misleading and it ruined my whole entire trip to XXXX and my daughters birthday. As if that wasn't enough they told me the funds would be returned and they have yet to returned a dime to me. this is very unfortunate how these big companies take advantage of day to day consumers and mishandle our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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: Account status incorrect

Complaint:
I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted : NATIONAL CREDIT SYSTEM and an employee told me that I had to stop by the XXXX XXXX XXXX office. And resolve that charge of : {$410.00} with them and request a letter stating that said debt does not exist. The next day I went to said office and spoke with XXXX XXXX and she told me that they no longer have information on my payment history and there is no information in the systems. Since the company : XXXX XXXX took the computers and files, I asked her if I had the address and telephone numbers and I didn't have them. How is it possible that they are collecting a debt that I can not refute?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy 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 2019-08-22
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont think this debt is mine. XXXX called me on XX/XX/19 and notified me of a medical debt in my name. Because it was a collection agency and I am rebuilding my credit I entered a payment of {$35.00} a month. They promised to call me every month for payment. I asked during call will this be reported to credit bureaus they told me no, unless this went 90 days without payment. I called on XX/XX/19 and told rep at XXXX the arrangement and rep hung up on me when I requested supervisor. I called back XXXX times and someone picked up the phone and hung up. I called XX/XX/19 and rep told me they listened to call and told me they didnt say 90 days until credit reporting. I disputed with credit bureau. I told rep I will wait until dispute is handled until I make an arrangement. I changed my mind and called directly back to pay because I am trying to avoid bad credit. I called 3 times and was hung up on, immediately. XXXX is trying to ruin my credit. I have records of calls and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
In accordance with the Fair Credit Reporting : XXXX 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. 

In accordance with the XXXX XXXX XXXX : XXXX 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 In accordance with the Fair Credit Reporting : XXXX XXXX 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 In accordance with the Fair Credit Reporting : XXXXXXXX XXXX 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

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 2023-02-05
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2020-04-14
Company: JPMORGAN CHASE & CO.
State: ME
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 have attempted on several occasions to get Chase to correct the Interest Savings Balance for my XXXX statement to no avail. I have detailed all of the information on a marked-up copy of the statement which is self-explanatory and will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
2008 the loan was taken out. Predatory Loan company Navient. Have resently been hit with a huge financial burden. Unable to pay. Have veen paying on and off for the 10 yrs of the loan. 
Using a debt relief program. 
Harassing Cosigner to no end. Have refered company to XXXX XXXX. To no avail, they are harassing cosigner. 
Life of loan I was never offered adjustments in payments that could realistically pay off debt. 
Now as my parents are XXXX and XXXX they are being harassed by lenders i never had to use in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-05-13
Company: Experian Information Solutions 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:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2018-07-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
SLS is in violation of debt collections practices act, acting with malicious intent and in violation of CA HBOR. 

At issue is the new policy at SLS which affects short sales. This is a policy that no other lender has as it's in violation of debt collections practices act. This specific policy is specifically for 2nd liens owned by SLS which requires the removal of fees which have been approved by senior lien holder on a short sale. 

These fees do not in anyway impact the amount SLS is receiving on their short sale and the senior lien holder is the lender that dictates which fees will be allowed since they are the one who is entitled the most proceeds of the sale. When SLS demands fees to be removed, in the case loss mitigation fee of XXXX which was approved by 1st lien holder, they are pushing that fee onto seller which is illegal on short sale and in violation of CA HBOR. SLS can not in anyway demand the removal of fees which are approved by 1st lien holder. This egregious and malicious illegal tactics must immediately cease and desist. SLS must adopt the policy they had before and every single lender has and focus on what they want to net from the short sale and not remove fees approved by 1st lien holder. Trying to remove fees in negotiation that are approved and being paid for by 1st lien holder is in fact acting in bad faith and is something SLS can be sued for.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-07-01
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Your agency/agencies did not account for I being a man the XXXX XXXX as the XXXX XXXX is only visible on the limb of my person. They discriminated In refusing to apply equal credit opportunity act to accounts and I request assistance in doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 requested credit correction fraud alert freeze security release asked the hard inquiry be removed along with my address being corrected. I filed a police report and sent it to them as proof and requested the credit report be updated they refused

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 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since I contacted my credit card lenders and made arrangements to settle my credit card debt over a four-to-five-year period, the credit card companies have been reflecting in my credit report that they have written off 100 % of my credit card debt, without accounting for the settlement amounts that I have paid them. The attached complaint summary shows that I have paid an average settlement of 79.2 % of the credit card balances that were due when the accounts were closed. I have reduced my total credit card settlement balances from {$72000.00} to {$3000.00}, but this improvement in my credit worthiness is not being reflected in my credit score from the three major credit bureaus. 

Also, my mortgage payments are made each month by automatic bill pay from my bank. When the mortgage payment increases due to an increase in the escrow account, the credit bureau automatically logs the mortgage payment as late. The mortgage payment has been on time, because the escrow account can be analyzed and adjusted by the customer before it is due.

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