BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off a mortgage in XX/XX/2018 to Select Portfolio Servicing. When they sent the deed to the state it had the wrong Legal description. We are trying to sell the property and can't due to the legal being wrong. 

I have placed over 15 calls to Select Portfolio Servicing and they keep telling me they don't have an answer. 

We are going to lose the sale of the property and lose the new property we are trying to purchase. 
What are my rights? 
XXXX  XXXX Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, UT 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 2020-01-28
Company: EQUIFAX, INC.
State: IL
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 contact XXXX  Equifax XXXX  I did told them I did not authorize all the inquiries on my credit report I did send them my 3 police report already i said to them I am a victim of identity theft they do not care and they will not help me I tried to call them around 30 times already but no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a XXXX fraud claim through Bank of America fraud department against what I discovered was a person with a history of fraudulent activity on a website ( claim # XXXX ). After I submitted payment to this individual via XXXX on XX/XX/XXXX and never heard back from seller, the next day the website emails me that this person has been flagged for fraud and they said in order to open a claim for partial refund I would first have to contest with my bank and once a denial letter is received I would then need to forward to them. But I only had 60 days to do so. However, I never received a communication from Bank of America within that 60 day period therefore loosing all hope of reimbursement. I tried to file a complaint with XXXX XXXX and XXXX XXXX from the Fraud department at B o A regarding this gross negligence which has cost my a lot of money. But they have not followed up with my complaint. Please see below for timeline details : I opened a claim with XXXX from B o A fraud dept on XX/XX/XXXX ( the next day ). I was told that I would be notified via email for document requests and decision. I DID NOT RECEIVE ANY EMAILS. I called back on XX/XX/2021 and spoke with XXXX who said that they are still reviewing the case and I would be notified via email. NO EMAIL RECEIVED. Since I had not heard any further correspondence or emails, I called back on XX/XX/XXXX and spoke with a rep named XXXX who then notified me that my case had been denied. I did tell her that I never received an email from B of A and I have been calling this whole time and now I am outside of the 60 days to dispute with the website. I asked for the denial letter and she says it will take another 5 business days. Since I was never notified by bank of america of any denial I am now in a bad situation and I am now going to lose {$1800.00} because of literally NO COMMUNICATION FROM BANK OF AMERICA.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} 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 2021-02-26
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account with XXXX in it for no reason. 
XXXX. 
Above standard seller on ebay. No reason to close my account and hold funds for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

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 2017-12-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees  over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Was not notified of investigation status or results

Complaint:
I have submitted 3 letters to all three credit bureaus demanding they remove several incorrect inquiry 's as well as 2 late payments that did not occur. I know I have a right to see the written documentation they used to verify the inquiry and supposed late payments. They have not provided this in the last 3 letters I've written. 

I have no other choice but to take legal action against them as it has caused me real financial harm and distress. 

I would like to file this complaint and see that the maximal penalty handed to these companies for their failure to comply with the FCRA.

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 2021-01-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account 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 XXXXXXXX XXXX has violated my rights XXXX 

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 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 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019, was contacted by American Express to set up payment arrangements to pay final XXXX. 

Prior to discussion a statement was read, effectively stating my state of Virginia wont let them collect this debt any longer. 

American Express is still supplying a late notification to credit agencies lowering my credit score.. I advised the representative that I am on XXXX and due to statement read didnt want any further communications and requested debt be written off, due to length of the debt and my states regulations. 

Please advise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with Caliber Home Loans very closely for months. Every single time I call Caliber I am given different information and then the rep says I am sorry you were misinformed. This is unacceptable. I want the calls reviewed that are recorded for quality assurance. These are not quality calls if the consumer is constantly being told something different. Most recently I was told that I had funds sitting in an unapplied cash account that would be applied to my first payment of my new loan modification once my paperwork was received. In the meantime part of the money was applied to the loan. This is not what the rep I spoke with told me would happen. Why do all of your reps give a different story? 

Additionally - everytime Caliber sends out documents they are never received. All other mail is delivered except for Caliber documents. One of you reps even said " we hear that a lot, we dont know what USPS is doing with the documents ''. This is unacceptable from a company that is managing such large assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: IL
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:
It's not my accounts, i was victim of identity theft, somebody stole my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MA
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 obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, XXXX, Equifax XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX XXXX XXXX Equifax XXXX also being reported with mis account active dates. by all three, XXXX, XXXX, Equifax. 
This account ( XXXX ) is being reported with in correct information on the balances., by XXXX and Equifax. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, Equifax, and XXXX. As well as Equifax reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have ask Fedloan Servicing on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response. In XX/XX/2019 after complaining about this via the CFPB website, Fedloan Servicing sent a response telling me how much I would owe in 10 years with Public Service Loan Forgiveness. I DO NOT QUALIFY FOR THE PROGRAM THUS THE REASON I ASKED FOR THE TOTAL OWED AT 25 YEARS! PLEASE PROVIDE TOTAL AMOUNT OWED GIVEN MY CURRENT PAYMENT AT THE END OF A TWENTY FIVE YEAR TERM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Comenity Bank credit card through Victoria Secret and Comenity denied me due to credit worthiness from XXXX which is a consumer reporting agency. According to 12 car 1002.6 & 15 use 1691 states that applicant means any and not in the faith of credit worthiness. XX/XX/XXXX, I received my adverse action letter and on XXXX XXXX I responded to the adverse action letter and they received it and sent it back without responding and giving me my credit card. They are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report with XXXX and i noticed i have a collection accoutn being reported by XXXX XXXX XXXX I have no knowledge of this debt and i was not given a XXXX to dispute before this company placed it on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. Wakefield and Associates in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties Wakefield and Associates and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
XXXX XXXX XXXX Balance was paid in full for XXXX XXXX still shows on my report a balance of XXXX I HAVE DISPUTED THIS ON MY CREDIT REPORT and they still refuse to update accuracy on All 3 bureaus.

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