BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing was my mortgage company. My loan/house is paid in full XX/XX/XXXX. 
I submitted an insurance check that was payee to myself/SelectPortfolio for endorsement XX/XX/XXXX. I never endorsed the check. Select Portfolio said they destroyed the check XX/XX/XXXX. The insurance company has proof SelectPortfolio cashed the check XX/XX/XXXX for XXXX. I have an insurance fraud investitgation open since XX/XX/XXXX. 
Select Portfolio stole XXXX from me and will not respond/resolve the matter for over 1 year. 
I have also incurred XXXX additional costs for borrowing, notaries, travel, interest, closing cost on money borrowed for construction in lieu of the XXXX check Select portfolio cashed and stole from me.

I have tried over 100 times speaking to Select Portfolio to resolve this, yet they continue to do nothing.

I want to file criminal charges as well for Grand Larceny, embezzlement, wire fraud and any other applicable statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Exeter Finance Corp.
State: IL
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 received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: 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.

XXXX XXXX.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without 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 the crimes which antendates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-11-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ISSUE # XXXX : In XX/XX/2022, my loan was sold by XXXXXXXX XXXX XXXX XXXX XXXX / XXXX. The XXXX payment was auto-debited from my bank account by XXXXXXXX XXXX  They took their sweet time transferring that money to evil XXXX XXXX / XXXX. When evil XXXX XXXX / XXXX received that money in XX/XX/2022, they said it was all my fault! They reported me to the credit agencies and charged me an outrageous late fee of {$180.00}. I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! If anyone should pay a late fee, it should be XXXX XXXX for taking their sweet time transferring the money. 

ISSUE # XXXX : In XX/XX/2022, I was hit with another late fee of {$180.00} in spite of making my normal payment! Apparently, evil XXXX XXXX / XXXX screwed up big time. They did an escrow analysis which they admitted was wrong. So, I kept making my usual payment. But their frame of reference was the incorrect escrow analysis. So, they felt my usual payment was short ~ {$200.00}. So they hit me with a bogus late fee of {$180.00} when it was truly their incorrect math, and reported me to the credit agencies! I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! In XX/XX/2022, they did another escrow analysis which I still don't think is correct. How dare they charge me fees for their incorrect calculations while I am continuing to make normal payments? 

PLEASE SHUT THIS COMPANY DOWN, OR LIMIT THEIR LICENSE AND FINE THEM FOR SCAMMING MILLIONS OF POWERLESS CUSTOMERS LIKE ME,

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 2023-10-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX can see in my credit report the following hard inquiry : Company inquiry : XXXX XXXX Sales Date of inquiry : XX/XX/2023 Credit Bureau : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: MA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint after receiving and reviewing a copy of my credit report. I noticed there are fraudulent inquiries listed on 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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 XXXX years. 

XXXX15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).

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 2020-07-21
Company: U.S. BANCORP
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Today XX/XX/2020 I asked to be included in the hardship repayment program at kroger rewards world mastercard and I was turned down even though I am XXXX and very low income. They said I had to be overdue or negligent to qualify. I try to pay what I can. I do not believe this is fair since I am XXXX and low income.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06
Company: Collection Bureau of America Ltd.
State: CO
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:
ON XX/XX/2022, I completed a payment with XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX, located in XXXX XXXX, CA, which manages an app that provides debt relief services. I paid XXXX, {$190.00} to close a collection account to COLLECTION BUREAU OF AMERICA with the original amount of {$300.00}. This account was supposed to be a PAY TO DELETE agreement which I made with debt specialist, XXXX. 

Let me make this clear, this was never my account in the first place, but in order to make a vehicle purchase, it was clear to me that I needed to pay this balance off since I was never able to get it removed. XXXX received the payment from me on XX/XX/2022 and never paid the collection company off. This is also reflecting another account for another account I paid XXXX to remedy also, and have them delete from my credit reports, which XXXX also failed to pay and they collected my funds without ever paying off the balance as well. 

COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX : XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ) XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 
ACCOUNT BALANCE : {$300.00} NEGOTIATED AMOUNT WITH XXXX : {$190.00} ( one time payment ) ADDITIONAL NOTES : Account was agreed to be paid for at negotiated amount with a pay to delete I wish for XXXX to pay the account off as agreed to, I wish for COLLECTION BUREAU OF AMERICA to delete this account as it was agreed to by XXXX in our PAY TO DELETE agreement, and I wish for any additional fines as regarded in Federal Consumer Laws, Colorado State Laws, and California State Laws to be applied to XXXX and for me to obtain those funds for violations which XXXX  made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: LEXISNEXIS
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:
On XX/XX/2019, XXXX accessed my credit file without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: LEXISNEXIS
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:
On XX/XX/2019 XXXX XXXX  and XXXX acquired unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im disputing the following information I found on my credit report. The inquiry being reported on my credit report is not authorized nor have consent to having my credit pulled. The date that someone accessed my credit is without my consent. Please remove the inquiry or if you believe its accurate please provide me with the signed authorization received to access my credit. I will give you 20 days to remove the inquiry. 



XXXX XXXX  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 2023-02-10
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company is Venmo. 

When I attempted to a pay a vendor on XX/XX/2023, Venmo froze my account and requested government issued photo ID in order to unfreeze my account. I immediately provided an image of my ID. When I contacted Venmo the following day ( XXXX XXXX, XXXX  ), I was told that I would have to wait XXXX business days for the review process, and that the review process hadn't started as my issue had yet to be assigned to a XXXX. I was then informed by " XXXX '' ( the Venmo customer service representative ), that I would also not be allowed to access the funds in my Venmo account ( $ XXXX ) until the review process was complete. 

The Venmo customer service representative offered no way to expedite the review process, but did agree that freezing my money was unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 according with the fair Credit Reporting Act XXXX Account # 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 furbish an 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 2022-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized inquiries on my report that I did not initiate and needs to be removed immediately.

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 2023-07-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: CURO Intermediate Holdings
State: MS
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:
Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, AD ASTRA RECOVERY SERVICES INC, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Google Compare Credit Cards Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Google Pay services charged {$21.00} to my XXXX for a service I did not authorize. I contacted Google, and they cancelled the service, but refuse to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Oklahoma Student Loan Authority
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Oklahoma Student Loan Authority
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Midland Credit Management 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 an account without my written instructions. 
I have not been contacted by this company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee.

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