BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Originally I was unable to pay my mortgage payments ( about 6 years ago, XXXX when " Obama care '' started, I was unable to bill insurance for massage, my sole income ) and stopped paying. This went on for an extended length of time and I did not know why the bank hadn't foreclosed. I hired a real estate attorney and pursued, the first time in cort my attorney learned that the bank " couldn't prove ownership '' this was somehow " fixed '' and I was approved for a repayment plan and in compliance when my home was sold at foreclosure sale 2 times. The first time, after unsuccessfully attempting to stop the sale, XXXX XXXX, holder of the mortgage went to the sale and bought the home. approx. date ; XXXX XXXX. 
Just over a year later as I continued the repayment plan, the home sold again. My attorney 's firm ( XXXX XXXX ) and XXXX XXXX  attempted to stop the sale, unsuccessfully and were also unable to reverse the sale. XXXX XXXX XXXX, the judge told the bank " pay the buyer his money back ( buyer, at that time was in agreement ) modify the loan and give the home back to mr. XXXX. The bank replied " why doesn't Mr XXXX  just pay the buyer '' my attorney replied if mr XXXX didn't need a bank, we would not be here. The judge then said 'the attorneys need to figure out who's going to pay the buyer and come back to court. approx three months later, in court, the bank still hadn't paid. XXXX XXXX  asked for ( and was granted ) 150 days more to continue negotiations These days will end in XX/XX/XXXX during this time, the attorneys for XXXX XXXX have ceased to follow up wile offering " any assistance '' they sent me all information on my case and encouraged me to get another firm to file lawsuit. I've called the ombudsman department for the mortgage servicer, SPS, and after reviewing my ( now closed ) account, they agreed there is a problem " the house was sold although I was up to date and in compliance with the repayment agreement " but they couldn't go any further as XXXXthe next step is between me and the bank '. I am presently awaiting information via hard mail of the conversation from the ombudsman dep. 
Although my attorney was clear ( before he left XXXX XXXX  ) '' if I sue the bank, I stand a good chance of gaining an astronomical amount of 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 2018-09-19
Company: SUNTRUST BANKS, 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:
On XX/XX/2018 I was sent two collection letters from XXXX XXXX claiming I owed XXXX debts to Suntrust Bank. I sent XXXX XXXX a letter of Debt Validation and they sent me back two letters, one stating they no longer had the debt in possession and the second they sent a print off of a balance bill. I have Never heard of Suntrust Bank not have I ever opened any accounts with them. In XXXX of 2018 I realized I was a victim of Identity Theft and immediately placed security freezes and fraud alerts on all three ( 3 ) of my credit reports. I have been dealing with Identity Theft and trying to fix the problems it has caused since the XXXX data breach. I than order copies of all the specialty credit reporting bureaus and noticed Suntrust Bank reporting to XXXX XXXX. I have enclosed a copy of my Identity Theft Report and supporting documents for verification. As I stated, I have never opened any accounts with SunTrust Bank and this is a result of Identity Theft.

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 2019-10-26
Company: EQUIFAX, INC.
State: LA
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:
Here we go AGAIN with XXXX XXXX, XXXX, and XXXX, otherwise known as XXXX, Equifax, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be.I sent every documents they required then they close my account. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
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:
Credit card details from XXXX were sent to experian, the amount did not initially match the XXXX amount that was listed in my account. The impact of this was a warning that I had exceeded more than 50 % of my credit at XXXX, which is nowhere close to XXXX. 

This was rectified back to XXXX A month later, this change seems to have been reverted, and this has once again damaged my credit. 


Both of these mess ups are in my record, they both need correcting, in accordance with financial regulation and GDPR.

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 2018-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
Portfolio Recovery is report wrong information on my credit reports. 
The information that is being reported on my credit reports is false. Portfolio Recovery is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. 

Portfolio Recovery are representing themselves as a factoring company. They have been reporting this way on my reports since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Arnold Scott Harris, P.C.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received letter from Atty., Arnold Scott Harris, alleging that I held negative ticket balances, pertaining to the XXXX XXXX XXXX-Department of Finance for parking tickets in amounts of {$34.00}. Mr. XXXX letter states administrative judgment. I am unknowing of any debts, I paid the XXXX XXXX  XXXX balance of {$1300.00} in XX/XX/XXXX for tickets issued through his office of XX/XX/XXXX. License reinstated in XX/XX/XXXX after final payment to his office through his representative. Fraudulent attempt from Mr. XXXX to collect for invalidity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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: Information belongs to someone else

Complaint:
Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by Equifax lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a Born Female Native American Social Media Influencer I have been victimized on & offline by " cancel culture '', notice the date this occurred was XXXXXXXX XXXX XXXXXXXX & the TX border is getting invaded most from Mexicans which even Mexican-Americans here legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

XXXX XXXX used my Equifax credit report to justify denying me continuance of credit with my XXXXXXXX XXXX XXXX XXXX XXXX. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My XXXX XXXX XXXX credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on XXXXXXXX XXXX. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my XXXX credit card that prior I had to report as stolen. 

In closing all of the Equifax listed loans & credit cards adversely effecting my credit score belong to someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed my credit report and I see that there is a collection item listed that I'm not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this a violation of fdcpa and need to have account deleted.

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 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened a Saks Fifth Avenue credit account today precisely because I wanted to make a {$4000.00} purchase on my first day to get 10 % off XXXX their promotion for new accounts ). This promotion would also allow me to make my large purchase with 12 months 0 % interest. I have excellent credit ( XXXX FICO score ) and earn {$200000.00} in annual salary. I was approved on the spot but capped at {$2500.00} which is EXTREMELY LOW. I called and requested a credit limit to {$5000.00} but was told I was denied. Theres no reason I shouldve been denied a {$5000.00} credit limit with my excellent credit worthiness. I feel this denial was discriminatory as I have a XXXX last name XXXX XXXX XXXX. This hasnt happened to me for the past several years with my high salary and high FICO score. I closed my account on principle with the representative who informed me my request was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: Resurgent Capital Services L.P.
State: OH
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 am being sued in two different cases in XXXX court in XXXX XXXX, Ohio by LVNV Funding. One account is for {$1400.00} and the other is for {$790.00}. Both accounts are the result of identity theft, of which I am the victim. LVNV Funding and their attorneys are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding nor their attorneys, XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe they know full good and well that these two accounts are fraudulent. They do not care about the truth. They only care about winning no matter what the truth is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Wells Fargo credit cards was closed on XX/XX/22 due to a delinquent mark. I received a letter which stated this. 

I've investigated the mark with XXXX  XXXX XXXX and it's since been solved. All credit bureau 's have been notified and the mark has been removed. 

I've opened a case with Wells Fargo on the XXXX of XXXX and have been calling back weekly to get an update. I have not been assigned a case manager in the two weeks. Yesterday a woman had told me the card was closed due to inactivity. The card was last used 4 months ago. I submitted a complaint via XXXX   and today I was finally able to be transferred to the " Wells Fargo Executive Credit '' department. XXXX from this department said this was a business decision and the card will not be re-opened. I stated I never received ANY sort of warning, especially if it was for inactivity. My rewards points were stripped and I would not be receiving them. XXXX stated there is nothing more I can do. 

I've had this credit card for 10 years and had ZERO marks in my entire credit history. I believe I'm being unfairly treated and entitled to a case manager to actually investigate.

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 2020-07-10
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: Information belongs to someone else

Complaint:
I saw a few inquiries which never belong to me. Please remove them 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 explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: National Enterprise Systems, Inc.
State: NC
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 received a letter from National Enterprise Systems on XX/XX/2019 stating XXXX was going to collections because there was an account by XXXX XXXX XXXX . I never initiated and or applied nor received or purchased anything from this company. I am a victim of identity fraud. They also initiated several hard inquiries over the years gone unnoticed.

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 2018-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX On XX/XX/2018 I noticed in the morning an overdraft was going over the weekend so I deposited more then needed to cover the check and as I deposited money it deducted the money from my deposit so I felt all was good. The next 2 days on XX/XX/2018 my fee was added I made the deposit prior to XX/XX/2018 but the bank doesn't credit it the same day even though they told me it was.

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 2019-02-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I responded to a letter, dated XX/XX/2019, that I received at my address of XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The letter stated that I am responsible for a debt that no longer belongs to me. 

Timeline : XX/XX/2019 - A letter was sent to my employer stating that my wages were to be garnished. Please note that I was not informed of this garnishment by either the creditor or employer until XX/XX/2019. 

XX/XX/2019 -I called ConServe, the debt collector, to dispute the debt. I spoke with a representative ( XXXX ) at XXXX. XXXX flagged the account as a verbal dispute and informed me he was sending paperwork to dispute in writing within the 30 days. XXXX requested that I call back on the XXXX if the paperwork didnt make it to my address. He stated that it could take up to a month to receive. 

XX/XX/2019 ( 11 days after my call ) - I received a notice from my employer that my wages were to be garnished. I called ConServe to discuss the matter and spoke with a representative by the name of XXXX. XXXX informed me that the dispute paperwork was sent to the wrong address. An address that I have never lived at. Since the letter was never returned, they assumed I received the letter and choose not to dispute. After some discussion and questions, I asked to speak to a manager for more clarification. I spoke with XXXX XXXX and she said I could call the garnishment department the following day. 

XX/XX/2019 - I spoke with a gentleman from the garnishment department by the name of XXXX. XXXX recognized the clerical error as well, but said there was nothing he could do. When I asked how they received my XXXX XXXX XXXX XXXX address in the first place, he didnt have a clear answer other than the Post Office gave it. 

I was never given my due process of 30 days from the original letter dated the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
XXXX XXXX  updated my credit report stating that I missed two payments since XX/XX/XXXX. My account has never been late and the account was closed due to it being included in a XXXX  XXXX Bankruptcy Petition. The Petition was filed in XXXX and up until that date, the account was paid on time monthly since its opening in XX/XX/XXXX. The account was included in the bankruptcy and therefore the account status should reflect closed and the missing payments notation needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NY
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 have disputed erroneous accounts that are present on my Equifax, XXXX XXXX XXXX  reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX showing late payments when the account is deferred - due to the Coronavirus 19 Pandemic

Company response to consumer: Closed with explanation