BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previously I filed a complaint against SP Servicing that they did not apply my funds appropriately. They responded back that I accrue daily interest. I demand my monthly interest amount when I paid my mortgage on XX/XX/2020 and they failed to respond to my request. They also said there was an error that had to be corrected and my previous interest was miscalculated. There was no error. They did not provide proof of the error or any documentation addressing that there was indeed an error. I demand proof of error. All they provided was a copy of my mortgage which I already have. These idiots truly believe that they can keep saying that my mortgage accrues daily interest and that justifies what they did. As stated my payment was {$930.00} dollars, but for one month they charged me over {$1100.00} interest. Interest was roughly {$500.00}. They must show how this interest was calculated or I will continue to file complaints until they do. In fact will be filing a complaint in the state of Texas where my home is located. Send me the proof I have demanded. They will refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # 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 2023-09-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXXXXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # 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 2021-10-22
Company: EQUIFAX, INC.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i disputed XXXX modify i signed on XX/XX/XXXX after XX/XX/XXXX call to say approved for XXXX i was not aware of maturity date ext XXXX but i signed so had to accept until i found loan was never executed i was denied XXXX  on letter dated XX/XX/XXXX at same time i was into agreed mod denial never disclosed i researched gave chase proof with doc XXXX but XXXX they never admit i was denied XX/XX/XXXX and i had 30days to call and choose other option chase cllaim they furthur review gave me standard mod in XXXX but in past XXXX XXXX will type standard next to loan modify XXXX XX/XX/XXXX modification was not executed recorded notorized because it was denied i have pkg from chase showing only ny signature alone with page 6 compliance letter since they forgot to sign but in XXXX they fix it with countersign i have to two set of doc to prove deceptive practice in XXXX i was reviewed for XXXX  hamp modification offering to lower my payment but chase gave me a inhouse standalone that i can prove i did not qualify for they gave partial claim and hamp modification accepted incentive from hud when loan doc were materially false i can prove the math for my XXXX mod will show i did not qualify chase was noncompliance with hamp rules i wish you would research again you cant deny the document i presented

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and Transunion - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score was XXXX from XXXX until XX/XX/XXXX. I was told XXXX  points was taken from my score because of to many inquiries but only 3 was reported and only XXXX  points was taken. Then XXXX XXXX XXXX XXXX brought my score down to XXXX. And there is nothing I can do to bring my score back since all my credit card are paid in full. How can one card take XXXX points from my score, when I was told that get credit cards helps build credit. 
Can you please restore my score back. I was in the process of buying a house. Now I cant ever rent an apartment!!!!!

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that Transunion is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: The Law Office of Heather Cullen, A Professional Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never aware of the collection. Never received any information. I contacted the original office they stated it was a mistake. I contacted the collection agency in XXXX and explained that they needed to verify the this. They never responded or removed the collection. I sent a debt validation letter certified mail in XXXX. They still have not responded. They are still reporting. After I asked them to stop until verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: WI
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 am writing to lodge a formal complaint against American Express Company for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. American Express 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on American Express 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, American Express 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-03-19
Company: ONEMAIN FINANCE CORPORATION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took out a second loan approx XX/XX/XXXX from XXXX at the time and now is under One Main Finance Account Number XXXX. 

I went to pay this loan off on XX/XX/XXXX in the amount of XXXX via an electronic payment that was accepted. on XX/XX/XXXX it showed I still owed XXXX that was then paid via electronic payment. on XX/XX/XXXX it showed I owed XXXX which I made another payment of XXXX dollars since I had deferred interest on the loan in the amount of XXXX which was payed via a phone payment on XX/XX/XXXX and taken out of my account on XX/XX/XXXX. 

As of XX/XX/XXXX they showed me owning XXXX which I paid again, and this morning it shows I still owe XXXX. 

They do not seem to be able to find the payment of XXXX ( page 2 of bank statement ) that was made and state there is a problem and they are looking into it as of this morning after talking with them. This is also what they said yesterday on XX/XX/XXXX. 

Note that this payment did show up on my account when I looked on XX/XX/XXXX and now has disappeared. 

According to my calculations they owe me the XXXX dollars that I paid on and should not owe the XXXX cents that currently show me owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
After reviewing my credit report, I discovered the following accounts listed as charge offs : Creditor Name Charge Off XXXX XXXX XXXX  XXXX {$2300.00} XXXX {$6200.00} XXXX {$6000.00} XXXX XXXX XXXX {$6800.00} XXXX XXXX {$10000.00} XXXX XXXX {$16000.00} XXXX XXXX {$550.00} Since these accounts have been classified as charge offs and are reported inaccurately, I am requesting they be deleted from my credit report in accordance with 15 US 1681 e ( b ). The Internal Revenues classifies charges offs as ordinary income, and the creditor or lender is required to furnish a form1099-C ( copy b ) to the consumer ( I have not been in receipt of any form 1099-Cs from all accounts listed ). Since income is not reported on consumer credit reports, I am requesting the accounts to be deleted from my credit report as a result of the debt being canceled. This information is impacting my credit report negatively and my security clearance with the XXXX XXXX XXXXXXXX. Requesting the information to be deleted. Thank you for your support and time in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to Capital One and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. Capital One just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX  days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter

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 2022-03-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from XXXX and equifax via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Tribal Lending Enterprise, Inc.
State: WI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Account # XXXX As of today XX/XX/23, I am revoking my authorization for automatic withdrawal authorization from XXXX XXXX Checking Account # XXXX at Bank Routing # XXXX. You will cease and desist from making a withdraws as of today, XX/XX/23 and any future dates. 
Your customer service representative may contact me at this email address : XXXX. You will cease and desist from making any attempts by phone call, or text message to my phone number on any documentation you have in your possession related to my account. 

I am willing to make an offer of {$330.00} to settle this loan on XX/XX/23 ( Account Paid in Full ). 

Thank you. 

XXXX XXXX XXXX XXXX Request was ignored and withdraw was made today XX/XX/23

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 2021-04-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, I was sent a response to a complaint that I filed with thXXXX XXXX  and the CFPB regarding fraudulent activity that took place with my banking account on XX/XX/XXXX. In this response it was stated, We have no chargeback rights for the remaining incidents ( {$40.00}, {$98.00} and {$1200.00} XXXX because XXXX XXXX followed the specific instructions and performed the service successfully. Yes, the {$40.00} I was initially disputing was returned to me, but service was not performed successfully by XXXX XXXX because the three amounts for {$98.00}, {$240.00}, and {$1200.00} were never successfully sent to anyone or anything and were not supposed to be. The person who scammed my account stole the funds right from my bank account by using my debit card. The person phished my account when they had me delink my phone number from my XXXX XXXX account and made it appear that the funds were sent to my XXXX and they never were. They knew at that point I wouldnt be able to access that account again and used that as their opportunity to steal the funds from my account. 

SunTrust, now Truist, apparently has reps working for their institution that are in on what these scammers are doing. Not only was I provided with a fraudulent number once, but when I called the bank to report what had taken place another rep gave me another fraudulent number. SunTrust has yet to provide me with an explanation on how the reps obtained those fraudulent numbers. Saying sorry does not cut it. SunTrust needs to take responsibility for what happened and return the {$1500.00} that was stolen from me. 

I realize that its not like the bank doesnt understand what I am saying, they just dont care and do not want to own up to the wrong that was committed by the reps who represent them. With that being said, I respectfully decline the bogus resolution that was provided to me. I was told by at least two bank managers/reps that the bank would refund me my money and I want my money back. I've provided more than enough information showing that money was never sent anywhere and that the person stole all of my money from my account by using my debit card. 

I would also like the phone calls that took place with SunTrust on XX/XX/XXXX provided to me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation