BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: LA
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:
All three accounts have inconsistent payments history I have contact them As well to attempt to get this resolved before filing a complaint the payment history request which is in the complaint does not show any transactions and only shows one page but per FCRA laws and my rights Transactions and including late payments partial payment and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a )

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 2023-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received notice from SPS servicing about possible referral for legal action.. I immediately email XXXX as direct on the notice. Stating I appeal my case. And also Called the company to request a call from my relationship manager. Never received a call. I then placed another call on XX/XX/XXXX and spoke to a representative whom stated she will have someone call me back and gave me a quote of just over XXXX XXXX to be paid by XX/XX/XXXX. 

Therefore, XX/XX/XXXX I paid XXXX XXXX through money Pay at XXXX as directed by sps. After never receiving a call from sps. I called again XX/XX/XXXX. Spoke to another rep whom stated to paid a little over {$1900.00} by XX/XX/XXXX. I told her no problem I would pay it the following Tuesday. 

On XX/XX/XXXX I finally received a call from a representative whom stated she was my relationship manager and to pay XXXXXXXX XXXX Tuesday and my account will be all clear. While speaking with the relationship manger I paid XXXX XXXX She assured me she was noting my account and she will contact me Friday XX/XX/XXXX. I never Received this call. However. XX/XX/XXXX I check my messages and I have a call from pay center stating my XXXX. Paid on XX/XX/XXXX was rejected by sps and please return to XXXX to request a refund. I guess Im definitely confused seeming its not XX/XX/XXXX and the amount was paid in full by XX/XX/XXXX 10 days ahead of the requested date. 

I have tried reaching back to this company and havent had a response yet. 

Also, my mortgage was supposedly transferred once the previous company had a class action suit against them from not properly obtain homeowners insurance but charging for it. 

After I questing my escrow balance. Seeming if they never paid into the homeowners insurance. I shouldve had an escrow credit. I then landed with SPS servicing. 

Im kindly asking for this situation to be addressed immediately and report my mortgage as current with all reporting bureaus. 

Thank you kindly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2022 i sent a debt validation letter to convergent in reference to a debt that the company claimed that i owed. on XX/XX/2022 convergent responded back to me with documents of billing ledgers with balances different from the amount in which they claim that i owed. the cover letter states that i owe XXXX but after reviewing the documents there was not a single paper that proved that i owed this amount. convergent is falsely reporting this information to my credit reports which is hindering my score and credit worthiness.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due to unexpected expenses, we hit our limit on our credit card. So we submitted a payment early in order to be able to continue to use it. We did this on XX/XX/2023. The money was taken from our account on XX/XX/2023. When I called to determine why my card was still being decline on XX/XX/2023, I was told that my payment would not post until XX/XX/XXXX, a full calendar week after the balance was paid, and nine days after I initiated the payment. In our case, it is more of an inconvenience, but I can see that this policy could harm people that are paying interest on their balances. In a case like this, Synchrony would have the funds, but continue to charge interest due to an unexplained policy that gives them seven days to charge interest on a balance that no longer exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I was contacted by a 3rd party stating that they were trying to serve me legal papers for a collection agency for a debt that was owed in XXXX. She stated that they tried to contact me back in XX/XX/XXXX and they were now pursuing legal options and they would be placing a judgment against me. I explained that I had already submitted a debt validation letter and the information that they sent me was not suffice to establish that this was my account. She then said they would continue to pursue legal action and I explained I did not believe this was my account. She then said well I doubt a criminal would pay an account on time for years and then not pay all of a sudden. I then explained that this debt is way past the statute of limitations and she explained that according to their tolling agreement when approving the credit, the creditors can do whatever they want to pursue this debt and then she told me to XXXX it. I told her to do not call me again, I would be sending a cease and desist letter and she said she would notate the account and hung up in my face. The collection agency is LVNV Funding LLC. The 3rd party that contacted me on their behalf just said they were legal services but the phone number is ( XXXX ) XXXXThey also called an ex boyfriend of mines as well and provided him with information that they shouldnt have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: MD
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:
1 Collection account and hard inquires are not metro 2 compliant. I would like these items removed before I take swift legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
Hello, I am disputing information on the following accounts : 1. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history says " 90 days past due as of XXXX XXXX XXXX', but there's no " 90 days past due '' payment data in the Account history chart. - - Please correct this error or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history payment data is XXXX  for XX/XX/XXXX through XX/XX/XXXX. Please supply this information or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX - - A. ) Account history shows " 150 days past due as of XXXX XXXX XXXX XXXX '' How can both be true? You can't be 150 days late consecutively from XX/XX/XXXX to XXXX XXXX This isn't possible. Please correct this data or delete the whole account. 
B. ) 'Payment history Data ' is XXXX for XXXX XXXX  to XX/XX/XXXX. Please supply this data or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX  - - A. ) Payment history chart shows : XXXX XXXX  - 60 days late | XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 90 days late | XXXX XXXX  - 150 days late - - there is MISSING payment data, and how do you go from 90 days to 150 days from XX/XX/XXXX to XX/XX/XXXX? This isn't possible. Please either supply the correct information or delete the whole account. 
B. ) There's also NO Payment DATA for XXXX XXXX and XXXX XXXX Please supply this information or delete the whole account.

______________________________________________ ______________________________________________ 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - A. ) You have {$6900.00} written off and {$6900.00} past due. Which one is it? They both can't be true. Please correct this information or delete the whole account. 
B. ) Account history shows XXXX XXXX XXXX XXXX  are 150 days late ( consecutively )?? How is this possible? You can't be 150 days late from XXXX XXXX XXXX. It doesn't make sense. Please correct these errors or delete the whole account. 

**I 've attached screenshots of my Experian credit report for review**

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reached out to chase and explained I never even received the card they stated there was charges on the card which I also never made I was out of the country the time they stated the account was open and charges were made they refused to close the account I am asking the account charges be removed and now I am requesting damages paid to me in the amount of {$1000.00} since chase knew about the fraudulent charges/account and continued to use my information and charge the account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was a first time user with the venmo company. So I opened a venmo account and I had to submit a front and back copy of my driver 's license to receive the direct deposit information, I submitted the front and back copy of my driver 's license my account was reinstated and I received my direct deposit information which I submitted to my school to send me a refund. In the user agreement it said nothing about I had to be lower than any specific amount to receive a direct deposit so the school sent me a total of {$1200.00}. Then more is saying because of the following On XX/XX/2023, these tools identified your Account as potentially high risk. In this case, our internal security system identified that your recent Payment was for an amount significantly higher than previous payments you received. Historically, this type of activity carries a higher-than-average risk of fraud and can be indicative of potentially unauthorized account access. ) This is why my account has been frozen and my funds is being placed on hold for 180 days. The issue I'm having with the response that they gave me is because they never said in their user agreement that they were going to compare my incoming or outgoing transactions to determine whether something was wrong but because they said that they had took notice of the amount that I received from my school to be an amount higher than I usually receive is an issue because I've never received any money on this venmo account for them to compare to this was my first and only transaction on this account so when they froze my account I submitted the same front and back copy of the driver 's license that they received the first time when I opened the account to receive my direct deposit information but this time they said that it wasn't legible so that's why they're holding my funds for 180 days which I don't believe is fair or right. I am requesting that my funds either be open for me to remove them from the account or that venmo reverse the {$1200.00} back to my school ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
This is XXXX XXXX submitting this CFPB Complaint requesting to immediately remove this account from my Credit File. The Account NAVY FCU is reporting on my personal credit file with XXXX and XXXX credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX  ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: LEXISNEXIS
State: VA
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: Investigation took more than 30 days

Complaint:
I requested a copy of my LexisNexis consumer credit report and when I received it, I notified Lexis Nexis of a bankruptcy that was on my credit report that I did not recognize. LexisNexis sent me a letter stating that they had done an investigation and it was verified and being reported accurately. PLEASE SEE THE ATTACHMENT. So, I contacted my local courthouse and questioned them why there was a bankruptcy being reported to Lexis Nexis that I had never filed. They responded and sent me a letter stating that they never sent anything to LexisNexis. PLEASE SEE THE ATTACHMENT. I sent LexisNexis the letter that the courthouse sent me and asked them to provide me the detailed of their investigation, but they never responded. On XX/XX/2021, I sent my 2nd request to LexisNexis via certified mail via USPS XXXX XXXX XXXX XXXX XXXX asking them where they get this information to verify it? And with whom they speak with? and as of today they still have not responded. It has been more that 90 days and still the bankruptcy is still being reported. It's crazy that LexisNexis would stoop so slow and violate peoples consumer rights. In this matter, according to 15 USC 1681b ( 2 ) No permissible purposes of consumer reports/ no written instruction, Lexis Nexis did not have permissible purposes to report this negative information. They have also violated my right to privacy according to 15USC 1681 ( a ) ( 4 ). The fact that they claim the courthouse gave them this information is another violation according to 15 USC 1681a ( e ). LexisNexis never contacted me, never conducted any personal interviews with anyone related to me or any of my associates concerning this matter. Again, this has been going on more than 90 days and the matter is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my XXXX account was hacked and suspended. Later on the same day, in an effort to regain access to my account, I called a " customer support '' for XXXX that a trusted friend shared with me. 

The people on the other end of the line were incredibly convincing, telling me that my XXXX account was suspended because scammers had accessed my financial information from XXXX XXXX. They even took me to a website that showed me where in the world people were hacking my account and showed me profile of a man named XXXX who was the key hacker they were going to report to the FBI. 

They convinced me to download a screen sharing app on my phone so they could help me identify any fraudulent charges on my Chase accounts and asked me to transfer {$1000.00} via XXXX to one of their accounts, XXXX XXXX with the email XXXX, to verify I was the owner of the account. I hit " cancel '' as soon as the money was sent fearing it wasn't legitimate, not knowing that XXXX transfers can not be cancelled. They then told me to download a XXXX app and deposit {$10000.00} in a local XXXX ATM with my ID and a XXXX code that they texted me. I was still sharing my screen when I enrolled in the XXXX app so they were able to see my face and my drivers license and potentially take screenshots. They told me hackers had all my personal information and were trying to make unauthorized purchases on XXXX for that amount and that if I did it with my identification verified it would cancel the fraud transaction they were attempting. The XXXX ATM required a debit card, which I did not have so I was told to go to another one as close in the area as I could. I was very uncomfortable and starting to get a lot of red flags so I only deposited {$50.00} to check their story and it was not what they had told me would happen over the phone. 

They got very angry and even more so when I wanted to get off the phone to call someone else to clue them in to what I was doing. They told me if I hung up it block their secure connection and the hackers would be able to drain my bank accounts. I asked them to send me an email to confirm they were actually with XXXX and they refused. They said XXXX had sent me enough notifications about the status of my account. They even wanted me to say " I will not blame XXXX for any money that goes missing from me account '' before they would give me authorization to hang up ( which I did not say and hung up anyway ). I then realized that they were scamming me and did not move forward with them and more. 

My bank, Chase, was unable to help me with the XXXX payment I made since it was due to a scam/fraud. They encouraged me to file a report with CFPB with hope you all may be able to assist or help get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Debt collection Practice Act Section 807 violations Misleading false reporting FDCPA 806 VIOLATIONS harassment or abuse FDCPA 805 Communication in connection with debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation