BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] XXXX XXXX XXXXXXXX XXXX Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o My report include

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 2023-07-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have ( had ) a money market account with PNC Bank that was an account I was not going to be using. When the bank moved from Compass to PNC, I asked them if it would be a problem to keep it without use in their bank, as with Compass, I did not have that problem. They assured me it was not an issue with them as well, and my money would be secure and making small interest ... Come XXXX, when I received and was looking at my bank statement, I see that my balance says XXXX with a deduction of XXXX. Escheat closing... I immediately called the bank, and they told me that due to me not using the account, it was closed. I explained that this was not going to be a used account. I received no help from the phone person ( XXXX ), who only gave me a number to call, when I did call it says they do not have to mail a letter. Getting no help or call back from the number given to me. I Went to the bank, asked why I never received a letter telling me I could possibly loose the account if I did not go in. They had no good answer and I have been getting the run around from them there. I was told I had to contact the state ( they now have my money ). They have not tried to help me. I need to know who to contact. Or what to do, where to go to get my money back. This is just not right that I have to chase my money around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Intuit credit karma keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX  is creditor for them to discuss my report is illegal for intuit credit karma to report this is fraud and infringement of my rights

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Several fraudulent charges were made on my credit card after the balance was paid in full. Chase bank notified they investigated the charges and found I was responsible for the fraudulent charges. These were NOT my mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting the assistance from CFPB to assist me with mortgage related issues I've been dealing for several year with my mortgage lender SPS. I am a few years past due and underwent a financial change that caused me to fall behind. 

I submitted a loss mitigation application package to SPS on XX/XX/XXXX. As of XX/XX/XXXX, SPS stated they had received all documents but were refusing to review me for assistance because their computer system had a Code ( SPSA restriction ) and per the agent I spoke to XXXX xt XXXX this code is at the request of the Investor not to allow any Trial modifications to happen. 

I requested for SPS to release the investor information so that I may call them to find out why they are restricting me from applying for help. In the last 7 years I have submitted for Loss Mitigation options at least 3 -4 times per year each time to get denied for several reasons usually SPS making up lies. 

In XX/XX/XXXX I applied for assistance from SPS to lower my interest rate but SPS placed me on a repayment plan that almost doubled my mortgage payment for the next 12 months and after those 12 months of payments I had to pay SPS a balloon of {$60000.00} in one shot which I told them I couldn't afford this but they insisted if I did not comply they would foreclose on my home, being told this I tried to make a few payments but eventually I could no longer afford this amount. Before I stopped making these payments, I called SPS to provide this information and they advised me if I could not afford it to stop making the payments and apply for mortgage assistance again. Keep in mind my financial did not support affordability for this repayment plan options. 

The rate I obtained on this loan is at 12.125 % on a single-family residence. I feel I was given a predatory interest rate since at the time I obtained this loan rates for the current market were at 5.25 % at its highest. SPS at this point are stating they have offered me several options but refuse to show me proof in writing, I have requested for them to provide the loan assistance options they claim they offered but they refuse. I have also asked to speak to a SPOC or manager never to get a call back. I feel that SPS is violation of several mortgage lending laws and per the reviews online I see I'm not the only one experiencing this issue. I ask for the CFPB to look into predatory lending, Failure to perform, Negligence, Violation of HRBOR, Tila & RESPA law. I am not alleging I don't owe this debt I am simply asking for SPS to help me reduce my rate so that I can continue to make payments on my loan. 

I have attached the loss mitigation application I've sent them for review so you can see I have provided all items needed to be evaluated and approved for assistance. Please help. Please Help stop foreclosure set for 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 2023-07-23
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was given a reward promotion on the account they never honored for direct deposit for {$600.00}. I had to walk in to the branch to open that account that they initially gave me this flyer. I recently contacted them because it should been honored back in XX/XX/2023 it never was. I get a call it was not honored because they claimed there was a another account opened when there never was. I opened the very first accounts as a walk in when I was given the flyer then. They created this expectation now they do not want to honor it. And they are fabricating something that never existed that they can see never existed as well. I had to return to the branch two XXXX in a row just to open the account i have now that eventually got opened.

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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Contacted company XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about open account on my credit report. I called to indicate I have no knowledge of the account and opening the acocunt. The number listed on the credit report is for a customer service life alert where they try to sell you a product but no answers your questions about the account. The only number listed on the internet for XXXX is for XXXX  and located in XXXX XXXX. I have no knowledge of this account and wish to have it removed immediately from my credit.

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 2021-05-02
Company: ALLY FINANCIAL INC.
State: MI
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:
Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix

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 2023-07-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was alerted that there was fraudulent activity on my card. They immediately marked it, sent a new card, and said to shred old one and they would close the account. They never closed the old account so I now have two statements each month. One is for charges that were fraudulent and the account has a negative balance. The new account has a credit for the same amount. Instead of combining them and closing, they applied the credits to the wrong account so it looks like Im not making payments. I have called every month since this happened in XXXX. They tell me its fine and not to make a new payment.

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 2018-02-09
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to my having to file for XXXX due to a sudden XXXX of my XXXX XXXX from XXXX XXXX  for XXXX XXXX, & now experiencing XXXX XXXX XXXX in my XXXXXXXX XXXX XXXX XXXX ; I sought modification relief on my home of 38 years with my first lender, XXXX XXXX starting in XX/XX/XXXX. I was granted a modification for that loan in XX/XX/XXXX, & have maintained an excellent repayment status. 
Subsequent to receiving a modification on the 1st mortgage, I immediately applied for modification on the 2nd one, with Ditech, then GreenTree, then back to Ditech again. The interest rate on that loan is@ 8.5 % ; and Ive had the loan since XX/XX/XXXX. For the past two years, I have submitted several loan modification applications, have spoken to my local Housing Partnership service, have acquired a lawyer from my county law service, & have had a hearing in our county offices regarding resolution. Ditech consistently loses the applications, lets them 'age out ' so they expire, & has attached thousands of dollars in legal fees & late fees resulting in the loan being nearly doubled from its origination. After the hearing in XX/XX/XXXX,  my lawyer emailed, & then mailed all the info they asked for. Now my lawyer says they let yet ANOTHER app 'age out. ' This is the ONLY blemish on my credit report. Please, please help me resolve this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
i have never been late on this timeshare mortgage account number XXXX XXXXXXXX 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 2023-07-23
Company: EQUIFAX, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Credit Collection Dispute and Request for Debt Cancellation Dear Experian 's National Consumer Assistance Center, I hope this message finds you well. I am writing to address the matter of the alleged debt associated with my account and to assert my rights under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( mo ) 281 SW 715, 719. 

Having considered the situation, I have not provided any evidence or acknowledgement that validates the existence of the alleged debt. In line with the principle of estoppel by silence, my lack of response does not imply consent or acknowledgment of the debt 's legitimacy. 

Based on the information available to me, I have reason to presume that no substantiated proof of the alleged debt has been presented, which leads me to conclude that the debt itself does not, in fact, exist. 

In light of the aforementioned circumstances and my rights under applicable consumer protection laws, I hereby formally request the cancellation of the alleged debt from your records. I kindly ask for written confirmation of the cancellation once the necessary procedures have been completed. 

I also wish to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes providing verification of the debt upon request. I have not received any documentation validating the alleged debt, and I expect full compliance with the FDCPA. 

Please consider this as my official dispute of the alleged debt. Until the requested validation is provided, I request that all collection activities pertaining to this debt be immediately halted. 

I trust that you will conduct a thorough review of this matter and act in accordance with the law. Any continuation of collection efforts without proper validation will be considered a violation of my rights as a consumer. 

Thank you for your attention to this dispute. I anticipate a prompt resolution and written confirmation of the debt 's cancellation. 

Sincerely, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Original Balance {$510.00}

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 explanation
Consumer complaint received 2023-07-25
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hello someone fraudulently opened a SYNCB/ VENMO credit card in my name on XX/XX/2023. I called the same day to let venmo know i received an alert about an account opened under my name and it wasn't me. I spoke with XXXX then he transfered me to XXXX XXXX at XXXX XXXX  and the fraudulent account was closed. I called several times in between. On XX/XX/2023 I spoke with a representative by the name of XXXX XXXX XXXX he transfered me to a supervisior name XXXX in the fraud department. She stated in XXXX the the investigation was completed it was ruled in my favor the hard inquiry should be deleted immediately. As of today XX/XX/2023 the hard inquiry is still on my XXXX. It reads SYNCB/ VENMO XX/XX/2023. Please take this fraudulent account off my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: TX
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2017-07-11
Company: Account Management Resources
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Management Resources , LLC s ent invoice of payment and a balance of  XXXX . Marked Late the month of  XXXX /2011 and current   XXXX  2011. Account Management Resources, LLC failed to mark DISPUTE BY CONSUMER on credit reports within 30 days of received dispute. According  to Federal Law FDCPA 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Initially, I received notification on my consumer report under XXXX XXXX about XXXX, I wrote to them request a detailed debt validation request via certified mail dated XX/XX/23. I received a generic debt collection letter from I XXXX Systems Collections as a follow-up. 

I wrote again to I C System on XX/XX/23 and XX/XX/23 via certified mail and repeatedly received the same generic attempt to collect a debt, disregarding my request for specific documents for verification. That alone is a violation under FCRA. 

I wrote directly to the credit bureaus to request an investigation and it is simply being auto verified by just simply being on my credit report. 

I will provide copies of letters sent asking for a cease & desist until a proper investigation & render of documentation has been provided for this alleged debt. 

This reporting has damaged my credit report & caused a lot of losses for my family & I, by its presence on my profile. 

Please supply requested documents on the letter dated XX/XX/23 to validate this debt. Additionally, while this account is being investigated, I request a cease and desist of this reporting. 

Should this information not be available, I request immediate deletion 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