BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry 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 2017-07-12
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I paid an amount of {$500.00} to Municipal Services Bureau which was the amount owed at the time. I looked at the account 4 days later and it said I owed {$3.00}. When I called to ask what this charge was they say it was an interest charge that accrued on the XXXX of the month. I called to have them rectify this since I paid the full amount due on the XXXX and they told me that management would reverse it. It still has not come off of the account and still shows up on my credit report. I requested it be reversed and that they send a paid in full in full statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, Equifax, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan.
I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.

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 2019-05-10
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have money in my Paypal account of {$270.00}. The website is not letting me transfer or request a check of my money. There are no holds on my account. Customer service is useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Credit Card Receivables Fund Incorporated
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received threatening communication from a company calling themselves XXXX XXXX, phone number and address provided below : XXXX XXXX XXXX XXXX, XXXX, GA XXXX   Phone : XXXX | Fax : XXXX Web : XXXX XXXX XXXX This was in regards to a debt they claim that I owe to XXXX. This is the same debt that was settled in a previous case with a debt collector in Ohio, Unifund CCR, LLC, in a case dismissed WITH prejudice. XXXX XXXX  and specifically their representative XXXX XXXX ( XXXX ) insist that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Select Portfolio Servicing is attempting to carry out an illegal foreclosure sale against my homestead residence without any right to do so. Below, I will highlight the reasons this is a wrongful foreclosure action in XXXX XXXX Florida. 

1. This wrongful foreclosure case began on XX/XX/XXXX, more than 13 years ago. 
2. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Docket # XXXX ) 3. Discovery was compelled to Plaintiff to prove Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Dockets # XXXX, XXXX, XXXX, XXXX, XXXX ) 4. Eight days later, Plaintiff filed notice of dismissal on XX/XX/XXXX, since they would not respond to compelled discovery to prove Standing. The effect was the Plaintiff admitted a Lack of Standing. ( XXXX Docket # XXXX ) 5. The requirement that a Plaintiff must have the right to foreclose has never been proven by this Plaintiff, which is unlawful. 
6. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX XXXX, XXXX ( XXXX Docket # 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 2019-05-25
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we advised Freedom Mortgage of our intent to utilize a recast of loan XXXX and paid a {$250.00} processing fee towards that end. On XX/XX/XXXX we forwarded {$200000.00} as a pay-down amount. Freedom provided settlement documents - which contained one or more serious errors. Upon being advised of these errors, Freedom agreed to promptly replace the documents with accurate information. Those documents did not arrive as promised. We made several calls and sent multiple letters to Freedom in the ensuing weeks - receiving no response. Eventually, we began paying the new recast monthly amount ( after being unofficially told via phone of the new recast amount ). ALL payments were made on a timely basis.

Freedom then considered the account to be delinquent, and inundated us with automated calls and written material geared towards delinquent accounts. In the meantime, Freedom sent us conflicting information relevant to the escrow account affiliated with the loan, and refunded monies to us without explanation.

Only after contacting the CEO of Freedom ( XXXX ) via registered mail did we receive any action. Eventually, Freedom acknowledged grossly mishandling the escrow account, and the recast itself ( and acknowledging the account was always current ).

Freedom ignored multiple suggestions that our mortgage interest expense for XXXX would not be accurately reported to us. In fact, not until XX/XX/XXXX did they provide what appears to be an accurate Form 1098 - several weeks after such information can be used for reconciling XXXX taxes. 

Freedom has not responded to our request for a new amortization schedule pertinent to the referenced loan, and has failed to respond to our request for copies of any negative information Freedom may have provided to credit reporting entities.

Freedom has also ( on XX/XX/XXXX ) billed us for a Property Inspection Fee,  which is not provided for in the loan agreement - but which is consistent with practices of some mortgage companies when they consider loans to be delinquent.

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 2019-05-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX  XXXX XXXX XXXX {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX  XXXX {$5000.00} Opened 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 2018-09-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I sent a request for validation of debt to weltman, weinberg, and reis. XX/XX/XXXX I received a packet with a letter and copies of some payments. The letter says XXXX XXXX XXXX sold my loan to regents bank and then to XXXX XXXX XXXX. I see nowhere as to why weltman, weinberg, and reis afe attempting to collect this debt. I never received a notice my loan has been sold  not just once but twice. There is no documentation that shows when the loan was sold nor documentation as to the current collector is legally allowed to accept my payments and apply them to my account. Weltman, weinberg, and reis did not provide complete and accurate information on any of the requested  information. College student loan, regents bank nor XXXX XXXX  has ever notified me of any changes of any kind. No documentation shows my signature. This loan shows a disbursement date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I began working with a Loan originator to refinance my mortgage. Interest rates dropped and shopping for lower rate. I submitted items that were requested and on XX/XX/2020 I received an email confirming my loan was eligible. XX/XX/2020 my loan was submitted to Processing. My appraisal was completed on XX/XX/2020 everything was going smoothly. I did not hear back so I emailed my processor at Owning on XX/XX/2020 to follow up. The processor wrote she was having issues with the loan, saying the debt to income exceed allowable guideline. I did not hear back for two days and followed up XX/XX/2020, the processor replied stating " we're working on the month end funding for XXXX ''. I never heard back, I followed up again XX/XX/2020. I asked " is this loan rejected and to please escalate the loan to management because this was going on 2 months. The processor replied stating underwriting is asking for a detailed letter of explanation why my income and assets show my previous address in order to continue. On XX/XX/2020 I received a Closing disclosure because rates were better now. On XX/XX/2020 the Loan originator emailed me again to resign the Closing disclosure and to date it XX/XX/2020. Loan originator also said what time is best for notary to meet tomorrow XX/XX/2020 ( its the last day to sign ). I explained I was not available to sign until this week XX/XX/XXXX. On XX/XX/2020 I asked the processing manager to reassign my loan because I felt this was not closing fast enough. The manager again said he needed the items that I had already sent it. I had to also send in my Solar lease agreement. On XX/XX/2020 the manager said my LOE was not sufficient and could not proceed without me changing address on my bank accounts. Rates have gone down and back up and feel the company owes me. Everyday the rates move I lose out on money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
What is this so much inaccuracy on my credit report? 120 days late for each month? what is that? 30 days each month and its 120 days late? Ridiculous. This status is false and incorrect! CFPB step up and remove the 120 days late on XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called SpotLoan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Spotloan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Spot Loan that issues loans through bank BlueChip Financial. When my account defaulted they added late fees and interest to the loan. I borrowed {$800.00} on XXXX the XXXX of 2021 made XXXX payments of {$150.00}. 
I am now aware that SpotLoan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other state. BlueChip Financial agreed to pay {$18.00} XXXX to resolve claims that Spotloan interest rates and loan terms were illegal, and class action also claimed that the companies lacked the proper state licensing to provide loans in various states. 
SPOTlOAN now has turned my account over to a collection agency XXXX XXXX  stating I owe {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( TTY XXXX ). 

SpotLoan charges a annual interest rate of 490 %. Annual percentage rate 490 % finance charge {$2500.00} amount financed {$800.00} after all payments I would of paid {$3300.00} for {$800.00} can view class action settlement here XXXX XXXX XXXX/lawsuit-settlements/closed-settlements/spotloan-high-interest-rates-class-action-settlement/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: WA
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 keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

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 2018-01-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Unauthorized, to best of belief and knowledge, with no real reason ( s ), Chase Bank on XXXX XXXX in XXXX, CA performed account balance Inquiries from XXXX or vice versa, which cost the customer money, causing domino spinoff effects from service charge fees. ( Ex. 
if there are scheduled online bill payments, that neither bank may know about, as this is not evident in the balance inquiry, what may be processing, the affixing of fees for the inquiries can start a fee progression. The balance inquiry is without consent, without knowledge, costing a service charge for each inquiry. It can then domino into {$35.00} service fees as the inquiry fees cause account to dip. 

FEDERAL COMPLIANCE : This may be a federal regulation violation, bank policy violation, privacy violation, account security violation. Breach of privacy and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  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 2021-04-14
Company: EQUIFAX, INC.
State: OH
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 reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.

Company response to consumer: Closed with explanation