BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently looked at my credit report and notice this account reporting negatively. I have no recollection or knowledge of this account. On XX/XX/2022 I sent a debt verification/validation letter to this company. I have yet to hear any status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
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 submitting to bring to your attention a matter of utmost importance regarding the handling of files associated with an FTC fraud report. It has come to my notice that, despite being sent with an FTC fraud report, files are not being promptly removed. As a victim of identity theft, I am submitting this request for the removal of fraudulent items from my credit file, stemming from the alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I wish to emphasize that you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. This matter has been previously addressed in my earlier correspondence, and I am reiterating it now with another FTC Report, referencing # XXXX. I must express my concern regarding the accuracy of the information provided on these items, as they were unknown to me and have been successfully removed from other bureaus. Consequently, I have reservations about the reporting accuracy shown on the credit report you provided. Below are the specific items that require immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXX/XX/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 2023-06-05
Company: EQUIFAX, INC.
State: PA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX 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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
They reported me to credit agency and threatened to report my mom to the credit agency. They refused to make a payment plan with me and told me that I could pay {$50.00} out of {$210.00} that I owe but because I am 40 days late, they still reported me to credit bureau for unpaid payments. They told me to ask my co-signer for help so they dont report her. XX/XX/XXXX this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Select Portfolio Servicing Co. I have paid my escrow acct money toward ins. and taxes and the most recent escrow review has my mortgage payment {$300.00} more. Now I understand rises in insurance rates should have made my payment about {$100.00} more. But this company is charging me my normal escrow amount which should now be about {$360.00} plus {$300.00} more. I have called and each person is more nasty than the next. I am a low income XXXX XXXX XXXX and find it hard to believe that a mortagage company can just decide to charge escrow " in advance '' when that was not the policy in the past. This is not only unethical I can't believe it is legal? Please help, the extra {$300.00} a month is just not possible for me to handle. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: NV
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:
My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and XXXX XXXX refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. XXXX then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX Experian and XXXX to no avail. My attorney went back and forth with XXXX for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in bankruptcy.

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 2021-11-14
Company: One Technologies, LP
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
So I noticed today that on a credit card that I don't hardly ever use that I was being charged by a company called XXXX. So I called them and was told I had been signed up with them since XXXX. I tried to sign on and it showed that I had never been on the site. Why would I sign up for something and then never ever sign on to the account? So I called them and she kept saying over and over that I signed up for trial. Which I'm not aware that I did I've never even heard the name XXXX. I had them cancel it, but I have been charged XXXX since XXXX and it is now XXXX. I do not believe I ever signed up with them. And the proof I have is I've never been on their website. When I tried to cancel she tried to give me half my money back in order to stay. I told her now and canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing a software which was never delivered by the seller and they kept requesting funds to actually deliver. I called my bank in attempt to cancel the pending transaction which they would not do anything until is posted. Once it posted they gave me no assistance to dispute my funds. Ive been a member of this bank for almost 10 years and was very disappointed that they would not help me. 

It happened on XX/XX/2021 to XXXX XXXX and i have written documentation that the product was never delivered. A payment of {$350.00} was sent then to register the product the seller requested {$210.00} and that was sent. Nothing ever came out of it and I should have some sort of protection for my funds. Its not fair for people just to steal your money and get away especially since your funds should be backed by your financial institution. I am requesting a credit of some sort or a full refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report I found many accuracies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 
According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE TRY TO FIX THIS DATA INFORMATION WITH TRANSUNION CREDIT REPORT WITH THEM THEY WILL NOT FIX MY SCORE ALL THE DISPUTE I PUT IN THEY NEVER ANSWER NOR JUSTIFIED ABOUT THE DATA BREACHES ON MY CREDIT REPORT THEY CONTINUOUSLY LET CREDIT COMPANIES RUN XXXX INQUIRIES AND SOFT INQUIRIES ON MY CREDIT REPORT THEY DO NOT STOP OR DO A SECURITY CHECK ON THIS MATTERNOT ONLY THAT TRANSUNION CREDIT AGENCY STOP OR BLOCK ME OFF FROM SEEING MY CREDIT REPORT ONLINE I HAVE TRIED TO MANY TIMES AND ALSO WENT ANNUAL CREDIT REPORT ONLINE I REQUESTED FROM TRANSUNION, ANNUAL CREDIT REPORT ONLINE THEY REFUSED MY REQUEST TO VIEW MY CREDIT REPORT THIS HAS BEEN GOING ON SERVER YEAR AND MONTHS WHERE THEY HAVE BLOCK ME 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 2021-03-18
Company: JPMORGAN CHASE & CO.
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:
Throughout the pandemic I made great efforts to make payments my credit cards. Although not always the amount due, I remained in communication with the creditors, waiting for long periods of time on hold. 
After coming into some money, I paid off all of my accounts in full. Before the next cycle could document all of accounts being at XXXX balances, Chase closed my account citing balances proportionately too high compared to available credit. Except for my student loan balance, all of the accounts were at XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Porania, LLC
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: Public record information inaccurate

Complaint:
The bankruptcy filed was by an attorney who dismissed it the next day telling me that it will not be on my credit and it is still showing. The bankruptcy papers was prepared in 2016 and dismissed. I have talked to her and she mentioned that I need to dispute it and it should have not been on my credit. Please review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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:
I Reviewed my credit report and noticed Inquiries that I did not authorized or give permission. 
1. Experian- XXXX XX/XX/2023 XXXX. XXXX  XXXX XXXX XX/XX/2023 Please remove them from my credit report as soon as possible. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to Chase bank in order to deelete the account but it s still there years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: AZ
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:
I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: GA
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 these accounts XXXX. XXXX, XXXX XXXX, and XXXX , 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CUSTOMER : XXXX XXXX XXXX XXXX BANK : CITIBANK N.A. 

NUMBER DEBIT CARD : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX TYPE : CHECKING In XX/XX/XXXX I made a deposit of a check for an approximate value of {$900.00} dollars through the CITIMOBILE app. It is a completely legal check and CITIBANK proceeded to block me, freeze my financial product. 


I request that you intervene to cancel the account and return the money to me. It is a completely legal check and it has already been credited to my account. 

In the financial institution they do not give an answer and they have withheld the money from me. 


XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : 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 2021-12-19
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCA NEVER RESPONDED TO MY VALIDATION REQUEST, THEY ARE REPORTING TWO ACCOUNTS FROM THE REPORT. BOTH OF THE ACCOUNTS REQUEST FOR VALIDATION WERE TOTALLY IGNORED. NEVER GAVE ME A PROOF I OWE THE DEBT. THE DATES ON THE REPORT ARE ALL INACCURATE WITH ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dates : approx ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Names : First Bank Puerto Rico, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone numbers : XXXX, XXXX, XXXX Account Type : XXXX XXXX ( Trust Accounts ) Complaint : There has been a long period of time taken by the bank to set up and secure the Trust account of XXXX XXXX XXXX, grant access, obtain account information and obtain account type fees and benefits. It is taking too much time to transition the account and obtain documents requested. The process has been rife with inaccuracies. I have had to file a tax extension with the IRS and will not be able to file the account taxes in a timely manner. The time it took following up to get this resolved was a drain on my time and resources. Much of the time I was unable to reach the necessary parties for extended periods of time. Many inquiries and contact request to a long time to receive a response. To date I still do not have access to my account. 

What happened is the previous trustee resigned and I, the new trustee and beneficiary, took responsibility of managing the trust. 

The company that this complaint is about is First Bank Puerto Rico and XXXX XXXX XXXX XXXX routing number, FDIC Cert # XXXX. 

The people involved are FirstBank of Puerto Rico, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When trying to access my information through Experian online their website directs me to call them. When i call them I am unable to actually speak to a customer service rep despite multiple calls.

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