BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After I refinanced my mortage with XXXX during XXXX, I was later informed XXXX was a predatory lender. Then on XX/XX/XXXX, XXXX transferred my loan to Select Portfolio Servicing Inc., ( SPS ). Prior to the final transfer, XXXX, provided an escrow analysis with a refund, and its projected escrow analysis included no shortages. 

Once my mortage transferred to SPS I began to regularly notice and addressed escrow and other mortage problems. On XX/XX/XXXX, I received a shockingly escrow analysis from SPS that included an escrow shortage of {$1100.00} then again on XX/XX/XXXX, SPS issued another escrow analysis and with an additional escrow shortage. I decided to fully pay both shortages to avoid my mortage from increasing. Although I attempted to stay ahead of the game, SPS appears to slowly and flippantly handle my concerns. I noticed SPS kept increasing my mortage even after I elected to fully pay those shortages at SPS requests. I continued to dialog with SPS over the phone, but when that failed I shifted to sending qualified written letters to no avail. 

I later found some relief after I was later approved for the Real Estate Tax Exemption. However, I discovered during XX/XX/XXXX that SPS took {$500.00} from my mortage escrow account. SPS demands to handle my escrow, but we keep finding the errors centering on SPS. 

When I contacted SPS, I was informed that SPS received a tax bill from the City of XXXX for the quarterly Real Estate Tax and that SPS paid it. After consulting with City of XXXX Real Estate Tax office, I was told SPS didn't pay any tax bill since XXXX as my mortage tax was fully approved and exempted due to my 100 % Service Connected Disability via the Department of Veteran Administration. We verified SPS received its requested documentations. SPS was advised repeatedly regarding the mistakes, but they proposed another Escrow Analysis with shortage and demand for mortgage increase even after I confirmed SPS and their taxing department received the requested documents on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.

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 2023-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

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 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 2022-05-26
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2021-10-17
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: Information belongs to someone else

Complaint:
These account do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2023-06-22
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Truist BB & T incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each time Truist BB & T claims the information is accurate when it is not.

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 2023-10-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of XXXX I was given two mortgage loans on my home an 80 % 1st and 10 % 2nd mortgage with XXXX. The 2nd loan balance was {$99000.00}. In XXXX I was unemployed and I fell behind on payments on the 2nd mortgage, and my home had negative equity at the time. In XXXXXXXX XXXX XXXX XXXX XXXX the new servicer, sent me a settlement letter for {$7900.00} to close the account. I called to get further instructions on how to send the payment but then was advised they could not take payment, the account would be charged off and the lien on my home would be released. No further payments would be due. The loan was charged off in XXXX but I never received the lien release. 

In XXXX I did file for Bankruptcy XXXX XXXX and included the debt. Within several months I received a notice from Specialized Loan Servicing that they now owned our loan. I contacted them several times during XXXXXXXX  about the release on the 2nd lien. They claimed to have no record of the settlement or release on my loan from XXXX or XXXX XXXX. I was advised to sell the home in a short sale and settle the balance, something I couldn't do. I never received any monthly bills from SLS, only an annual privacy statement. 

Then in XXXX I received a notice from XXXX XXXX XXXX as now the new owner of my account. I contacted them and was told my balance was {$99000.00} and the monthly payment would be {$420.00} per month. They began to send monthly statements. They asked I start making monthly payments immediately or my home could be foreclosed upon. I sent them the {$420.00} in XX/XX/XXXXXXXX XXXX  per the monthly statement, but the following month the payment didn't show it was applied, it said placed in a suspense account. I called them to ask why the payment went into a suspense account and they told me the balances would be updated and to keep sending the amount of {$420.00} per month. I did not make any more payments. Soon after the new statements showed I was past due over {$60000.00} and the new monthly payment was {$1200.00} per month. I again called them and was told the best option was to send that monthly payment or to sell the home and they would consider a short pay. 

This account should have been closed and the lien released back in XXXX However the servicing rights continue to transferred and I have not been able to resolve the account. This is the only home I own, and selling isn't a viable option for me and my children.

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 2023-01-17
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Victim of ientity theft.Bank account was opened with my name and information without prior Knowlege

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 2023-01-17
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just found out by a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I owe more than one thousand in a school I never signed into as part of a contract. I never had auto payments deducted because I never signed on to auto pays and the collector known as Ability Recovery Services has been found as a fraudulent company who harasses and attempts to collect amounts with discrepancy and not accurate. I sent a formal letter to this collection company asking for information that goes to as how I owe anything to that school and they could not provide by Law any documents except an enrollment not signed by me papers. That is how this company is going by. That by Law is fraud. They have not rights at all in the state of Florida to attempt to collect any un accurate debt. The papers this collection agency has, does not show nor proof I owe debt to this school nor are the papers a contract signed by 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 2023-06-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Truist bank held my insurance check for seven days after I made the deposit into my account. The date of the deposit was XX/XX/XXXX. The contractor ( XXXX XXXX XXXX ) has been waiting for the payment since XXXX XXXXTruist bank cashed my deposit check and place the funds in the hands of the branch manager ( XXXX XXXX ) she signed the check and cashed it, then sent the monies back to the blanket company ( XXXX  ) to reissue the check. The payment is not found.

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 2018-05-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cc : Attorney General in Texas To Whom It May Concern : I am requesting proof of the accounting and documentation required under Texas XXXX XXXX XXXX and XXXX statutes. I have been unable to have an account because of a supposed deficiency from a repossession that you reported on my credit report on XX/XX/2018, Account number # XXXX. I am asking you toremovethe repossession off my credit report. 

The laws of Texas and the Federal UCC require a full accounting of the sale and any deficiency. If the sale was not conducted in a commercially reasonable manner, or if I was not given full notice and accounting as required by Texas law, you are liable under the FCRA, for any damages caused by your agent ( TX ) s fraudulent reports to the credit bureaus. 

RECOVERY REQUIREMENT : As per UCC, repossession allowed without committing a breach of the peace. Repossesses must hold valid collection agency XXXX XXXX XXXX, Texas XXXX Department of Transportation, Division of Motor Vehicles, XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOCUMENTS REQUIRED FOR LIQUIDATION : Title must be in lien holder 's name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession. 

PLATES : Remain with the debtor. 

The company 's failure to provide me with verifiable proof required for by your company and The laws of Texas and the Federal UCC to post the accounts listed is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/2022 td bank closed my account without reason and are illegally withholding funds ( {$550.00} ) that i deposted cash into a td branded atm. they promised to reach back out to me within 30 days with no response. with every attempt to contact i received cold transfer and misinformation and im still not given an exact date when my money will be returned or the reason my account was closed in the first place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
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: Account status incorrect

Complaint:
Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : 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 explanation
Consumer complaint received 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a business loan so I filled out application. Once the application was filled, I started getting call from different lenders. So I received a call from this XXXX XXXX, who was calm and not pushy. This made me so comfortable that I did not think otherwise of his talks. 

He mentioned because I did not have an established good credit, I will have to secure the loan with a security bond, which is going to cost me like {$6000.00} and some change. I asked for documentation from the security bond but was told they will only provide that once money is paid. 

So to initiate the transaction, they will credit my business account with XXXX and will debit 3 times. On the XXXX  day, I will wire the balance plus the cost of the security bond. The XXXX was credited into my business account on the XXXX. The debits was taken out of my account on the XXXX, XXXX and XXXX. and as agreed, on the XXXX of XXXX I wired ( {$9400.00} ) the balance of the XXXX plus the XXXX and some change. Once the money was wired on the XXXX, he stopped picking his calls, his emails started coming back undelivered. It was when it dawned on me that I have been scammed. To my surprise, on the XXXX and XXXX, they continued to withdraw from my account. which I have reported to my bank. on the XXXX of XXXX to recall the wire and also disputed other charges. 


As of today, XX/XX/2022, 53rd bank has not updated me as regarding the status of this recall. I have made several attempt to call them to no avail. Every time I call, they said the other bank has not replied to them. They give me same excuse everyday up until today. This is why i am reporting that 53rd is not doing enough to help me get my money back from XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
Reports show that I have lived in a town I have never lived at and shows and address I have never lived at along with phone numbers that have never been associated with me in the past

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