BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mom 's mortgage is now servicing by Select Portfolio Servicing Inc  SPS. 
After three months with them she realize that they were applying her monthly payment to interest only rather than to principle, escrow and interest. When she call to inquire of the situation the told her they didn't see what her problem was. She had to call on several occasion, speak to multiple people before it was resolve. After speaking with few friends about her experience it turns out two of them had face the same situation where one had to have it resolve in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: DISCOVER BANK
State: NY
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:
Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Continually get calls from Gateway Mortgage. Asked them several times to stop calling me. Said they got my phone number from the " XXXX XXXX XXXX XXXX  ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SYNCHRONY FINANCIAL
State: NY
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 requested an open dispute 4 or 5 times by phone but all of those disputes disappeared from the record.

So I still don't get a refund. {$64.00} XX/XX/2023 Marchant : XXXX XXXX. 
The agent ( Email ) is still suggesting reopening a dispute. 
I'm tired of opening another dispute and disappearing disputes.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment and derogatory marks on my credit which is negatively affecting my ability to help my that's going to hard time financially and medical reasons. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
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: Old information reappears or never goes away

Complaint:
XXXX and Equifax are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A lady calling herself XXXX XXXX impersonated to be goverment official repeatedly calls me and my family Asking for my social security and bank info under the false pretense that I owe debt. She calls from the following number : XXXX ( EXT : XXXX ). I explicitly asked her to put me on the do not call list and she blatantly refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
TransUnion, XXXX, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

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 2018-08-13
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:
I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX TRANSUNION REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX, MN 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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2018-11-14
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Regarding my account with American Credit Acceptance, I have fulfilled my obligation of the settlement agreement and paid off the loan in XX/XX/2017. I still have not received a title and called the bank on XX/XX/XXXX and XX/XX/XXXX to inquire. I was advised that a request was made to look into the loan as the balance remains at {$23000.00} in their system. Furthermore, the account is showing that I am in default with a past due balance of {$2000.00} plus. This is not acceptable as this all impacts my credit score,  debt to income ratio, and ability to sell my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Westlake Services, LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This account is actually just pass due less than 30 days. They start calling me the day after it is due, XXXX of each month, and do not stop. My husband had 2 XXXX XXXX  towards the beginning of this year, and was out of work for a couple of months. I have told the company this, and I have tried to keep up with the payments as best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. XXXX still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet XXXX still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in 2014 and this is around the same time this debt was created.

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 2018-11-14
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: Information belongs to someone else

Complaint:
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet XXXX  still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA 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 2018-11-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a " Star Rewards '' cardholder with XXXX. I purchased over {$1200.00} dollars worth of items within a 6 month period and because I was a Platinum member, I was supposed to be awarded a {$10.00} reward for every {$150.00} dollars spent. I was missing {$60.00} dollars in award money ( money to spend on purchases ). I logged into my account multiple times and the reward money was never there. I contacted XXXX Customer Service and they said " They made a Mistake '' and that I was supposed to have gotten the {$60.00} dollars but for some reason I never received it. I told them I wanted to close my account, and they said they would credit the {$60.00} dollars of rewards money to my account, and I kept checking and they never credited it. I contacted them again and they continued to avoid giving me my award money, so I paid off my balance of {$500.00} dollars in XXXX. Two months later ( received new bill in XX/XX/2018 ) - they sent me a new bill saying I still owed them {$4.00} two months after I paid off the balance. I checked my balance before I paid the account off and it was exactly XXXX dollars. XXXXXXXX XXXX charged me {$120.00} in interest charges in a 8 month period. 

1. I do not owe them {$4.00}. My balance was {$500.00} when I paid off the balance two months ago on XX/XX/2018. I want this balance removed because I paid this bill on time and I checked the balance before I made the payment and there was no interest charged on the balance at the time I made the payment - XX/XX/2018. They sent me a bill TWO MONTHS LATER! 

2. They purposely kept my rewards earnings of {$60.00} and never allowed me to use it. The XXXX XXXX Customer Service representative even admitted they had made a mistake and never awarded me the {$60.00} dollars I had earned. I want my {$60.00} dollars in rewards money from these XXXXXXXX XXXX CROOKS!

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 2018-11-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter XXXX or payment plan. Or wage earner plan. I have contacted XXXX XXXX   again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks 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 2018-02-22
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: Investigation took more than 30 days

Complaint:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

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 2018-11-14
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from Diversified Consultants, Inc trying to collect on a debt that was discharged in bankruptcy under case # XXXX. I have called XXXX and they said that they saw that the debt was included in my Bankruptcy.

Company response to consumer: Closed with non-monetary relief