BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I sent in {$37.00}, XXXX to Select Portfolio Servicing to be applied towards my monthly payments which would have covered a total of 12 months, since I already had a partial credit on my account. That means my next monthly payment would have been due on XX/XX/XXXX. Since then I have had nothing but trouble. It began with a phone call from SPS Mortgage saying I was past due on my account for the XX/XX/XXXX payment. I let the representative know that the large payment was to be applied to my monthly payments, representative said okay and she would take care of it. Over the next several months I had several phone calls and letters saying I was past due. I had to continue explaining how the payment was to be applied to several representatives and managers since SPS Mortgage kept reporting me as past due. I was always reassured by Managers and representatives that this would be handled. When the calls continued and past due letters kept coming I finally requested my money back. SPS Mortgage stated they are unable to refund me my money nor can they apply the money towards my monthly payments and that I am now being reported to the credit reporting agencies as past due. I am also to resume my payments or my home will go into foreclosure! I didn't know what to do so I sent in 2 more payments in XXXX of XXXX to cover the past due months and SPS Mortgage is now expecting me to make my next payment on XX/XX/XXXX. My credit report is down by XXXX points because of the past due reporting which is now affecting my other credit accounts and I can not afford to keep making these double payments. SPS Mortgage didn't seem to care and let me know that if I don't then my home would be reporting as past due, continue getting late fees and added interest and go into foreclosure. Please Help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted Experian asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you

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 2023-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX  I attempted to login to my account an e-mail was never sent to verify me. I called and USAA told me to drive to XXXX ( several states away ). So they could verify who I am as they sent e-mails that never arrived to verify who I am. I somehow got verified and was sent a token but that token requires a cell phone to work which I do not own. I can not get into my account, I can not report that my account has been compromised and customers are not allowed to report the theft or compromise of their accounts without being verified. 
I made a request to close my accounts and that request was denied because they claim they can not verify who I am. I made a request to block my credit card or cancel my card and that also can not be done because they can not verify who I am. 
I finally made a request to removed/cancel my membership with USAA and they can not do that either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Colony Brands, 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: Investigation took more than 30 days

Complaint:
Seventh avenue says I charged and recd goods I did not filled out form disputing charge and notified them by phone. They won't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called them regarding my accounts being created on my name using my information and they have told me to report it on FTC doc and file a police report which I have done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted  XXXX  asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you

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 2021-06-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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:
There are accounts that dont belong to me on my report.

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

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

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

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

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

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine. 7. Identity Theft XXXX Account XXXX : 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 explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2017-07-16
Company: EQUIFAX, INC.
State: OH
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:
XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: FIRSTBANK
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to remove myself from an un founded Loan that ha s not been completed with the  XXXX . The bAnk wo n't allow this despite me loosing my job and going overseas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
As  of  XXXX   XXXX , 2017 my credit cards amd social security were stolen and i need to report them.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Transunion on numerous occasions, the latest attempt being yesterday XX/XX/XXXX to get inquires removed from my report. I even informed representative I would be reaching out to you all to file a complaint, because this is causing a hold up on my purchase, in return he told me go ahead. 

I have had no issues with the other 2 credit companies removing the inquiries. Transunion is the only company that refuses to help me. 

The below are the list of Inquires that I need removed due to me not recognizing or giving authorization to run or re-run my credit during the time listed. 


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. 

XXXX XXXXXXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnioXXXX XXXX XXXX XXXX XXXX Issued by Finance XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2017-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over several months, I have been getting phone calls asking to speak with "   XXXX   XXXX   '' about credit management. That 's not me, and I 've never met a  XXXX . Every time I get a call about her I say, " I do not know a   XXXX   XXXX  . You have the wrong person. Please do not call this number again. '' However I still get harassed about this strangers ' credit card debt. The most recent call came from Midland Credit Management. The phone number that called me was (   XXXX   )   XXXX    I am not certain whether it has been the same company calling me in the past, or another debt collector, but they always ask for "   XXXX   XXXX   '' ( again, no affiliation to me ). I do not know how my phone number became associated with this account, but please help me disassociate myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency 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 monetary relief
Consumer complaint received 2022-12-13
Company: NAVY FEDERAL CREDIT UNION
State: AR
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 had my identity stolen and submitted the police report to XXXX to have the following accounts removed because they do not belong to me : All Navy FCU accounts that have balances of {$9100.00}, {$9000.00} and {$6300.00} on my credit report ( there are XXXX ) Also I ask that all Navy FCU hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and another on XX/XX/XXXX I did not authorize these inquires nor did I apply for any of these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the entire balance ( {$0.00} balance ) on my store card from Comenity Bank and didn't use the card again until XX/XX/XXXX when I became aware of the following charges to my account ( outlined below ). I immediately paid the balance and told the representative that I was completely unaware of these transactions. If I would have known, I would have taken care of the initial fee of {$2.00} that has snowballed over 3 months to {$30.00} and also resulted in a late payment notice to my credit report causing my credit to drop by XXXX points. 

I have not had a late payment booked to my credit report in XXXX years. I work hard to ensure all my bills are paid on time to maintain a good credit rating. This series of events has caused severe damage to my credit report which is really unwarranted because I would have immediately paid the {$2.00} if the company had sent me an email, text, or called to let me know they booked a fee to my account. I didn't become aware of the charges until I tried to use my account again in XXXX and it was declined. So I called the company and the customer service rep made me aware of a {$30.00} balance which I paid the same day. 

Below is an outline of how the {$30.00} accrued to my account over the course of 3 months. Again, I was completely unaware because the company didn't notify me and I wasn't checking my account online because I wasn't using the card. 

XX/XX/XXXX - I paid my account balance to {$0.00}. 
XX/XX/XXXX - Min interest fee of {$2.00} was charged to my account then ; XX/XX/XXXX - Late fee of {$2.00} XX/XX/XXXX - Min interest fee {$2.00} XX/XX/XXXX - Late fee of {$6.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - Late fee of {$14.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - I paid the account balance to {$0.00} I'm fine to settle the debt with them but I dispute the late notice being posted to my credit report because I was never aware of the balance. CFPB please help me to get this delinquency removed from my credit report and return my credit score to a normal well-earned level. 

Many advance thanks for your time and attention to this matter. I appreciate your help so much. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have a Fraud alert on my credit report and it was pulled by   XXXX   XXXX  . I NEVER authorized   XXXX   XXXX   to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXXXXXX XX/XX/2021 reporting of adverse credit information without the opportunity to opt out is a violation of 15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer, an opt out and privacy notice. section 5 ( a ) of the FTC ACT 15USC 45 ( a ) prohibits, unfair, or deceptive acts or practices in or affect in commerce safeguard rule section 501 ( b ) of the Glb act 15USC 6801 ( b ) requires financial institutions to protect the security, confidentiality, integrity, privacy of customer, non-public personal information from foreseeable, internal and external risk.

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 2023-10-05
Company: Experian Information Solutions 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:
Open XXXX XXXX XXXX  : # XXXX XX/XX/ charge off. fraudulent misrepresentation. deceptive omissions of material facts.in violation of15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer opt out and privacy notice, providing the opportunity to opt out.15 usc 6802 opt out notice is a requirement.section 5 ( a ) of the FTC act 15USC 45 ( a ) prohibits, unfair, or deceptive acts, or practice in or affect in commerce.

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 2023-01-25
Company: EQUIFAX, INC.
State: FL
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation