BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year I paid over 4400 dollars in escrow shortages and issues when my mortgage co SPS serving misapplied funds reduce principal payment and not to escrows or actual payments. I paid in XX/XX/XXXX ( XXXX ) and again in XX/XX/XXXX XXXX   ) over after they said I still had an escrow shortage. After 3 months and multiple calls, I finally got an outside corporate rep to escalate the issue after my manual calculation showed where the error was in XX/XX/XXXX/ XX/XX/XXXX of last year, I was told my account had been corrected. 

Today I receive a shortage of escrow/escrow analysis document showing not only was the last analysis used ( they had to manually correct it since it was incorrect ) but they show I now have additional escrow shortage. After speaking with an account rep she verified to me that they AGAIN have been misapplying funds and have not taken out escrow out of my payment since XX/XX/2017. I have payment statements showing I have a ZERO escrow shortage and that my payment reflects escrow YET they are still misapplying funds. 

I am very upset and feel these applications issues from last year and now again has put undue strain on me mentally and my marriage. I have ZERO confidence this will be handled. I want to complain about their bookkeeping and their practices of amounts due and owing. If I did not catch this error I feel they would have again asked per the letter for me to pay {$4900.00} and additional charges for shortages. This issue If I have to pay any additional amount would put me at risk of foreclosure because I can not pay additional escrow or payments as it is difficult to make payments. Maybe this is a calculated way to default consumers? 

This company should be fined for the application of funds, improper charges, misleading information, and unprofessional practices. My next recourse if they do not fix this is to hire an attorney and sue for unfair accounting practices and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Personal information incorrect

Complaint:
Ive tried to dispute incorrect name and address on my credit report with XXXX They will not let me dispute them.

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 2017-06-14
Company: WELLS FARGO & COMPANY
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:
On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    Wells Fargo     XXXX   XXXX   XXXX   XXXX   XXXX     Please  remove from my report at all three credit 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: AES/PHEAA
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to Covid 19 federal student loan interest has been suspended and loans are in forbearance. AES holds federal loans but is not doing either of the above measures. AES fails to comply with the CARES act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-11-27
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX  XXXX Account Number {$1100.00} Balance XX/XX/2019 Date Opened Collection account. {$1100.00} past due as of XX/XX/2019. 

CREDENCE RESOURCE MANAGE XXXX Account Number {$1000.00} Balance XX/XX/2019 Date Opened Collection account. {$1000.00} past due as of XX/XX/2019 I've called several times ( both companies ) with no answer, hence no resolution. Credit agencies have also been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX {$1500.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX  XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation 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 2017-06-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
nothing they said they only report to the  one reporting place, I need   XXXX   XXXX   to show on all my accounts, it does on one but not all the others , please

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 2022-08-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute about XXXX through Experian on approximately XXXX XX/XX/2022. Experian advised that they contacted the company reporting the information I disputed, supplied them all relevant information and any documents... 
XXXX stated to CFPB that they have received no correspondence or notice of dispute from the consumer... 
See company 's response report # ( XXXX ) Note XXXX stated that they receive no dispute but I submitted a dispute through Experian and Experian stated they did contact XXXX about my dispute.

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 2021-11-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There is too much to write here about all the problems Ive had with fifth third bank so Im going with the most recent issue thats been the most troubling now. They are gaslighting me so hard. I have always been able to make payments online and the last couple of months I had not been able to do that because my account would not work and just told me to call in. I thought that was really weird so I tried for XXXX months at various times to reach in at different numbers as well. I finally got through after hours and talked with A guy who let me know that because my account was past due thats why they locked me out of my online account to make me call in My account was past due because I could not get in. So youll see my issue with that. Anyways he said after I make this payment to be up to date, which I gave him my information and it is posted, that my account would be unlocked and I would be able to make payments online again. That has not been the case and now I am past due this month again and I have been trying to get a hold of fifth third again at various numbers. Ive ive tried attempted contact at the XXXX main numbers of the social media and the number that is given on the online help when you cant login. Honestly Ive called these numbers back to back A ridiculous amount these last few days especially just show that I am trying so hard to just get in contact with these people. When I talked to the gentleman that I did get a hold of earlier mentioned he said that they had a total over XXXX contacts attempts for me. That is so false and I dont understand how theyre getting away with it. They have all my information correct as we went over. So I just want to be able to make my payments. They always claim on their canned responses on XXXX about security and stuff like that. I can understand that if I was taking money out or anything else but Im literally just trying to make payments it honestly feels like they just do this so they can get more late fees and more money. My track record is not been perfect and Im not trying to hide that but to be ignored and gaslit to this degree is astounding. Please help me. I just want them to unlock my online account. It was not perfect and I had my issues with it as well but at least I could see where I stood and monitor it without having to rely on someone answering the phone which never happens now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AMERICAN EXPRESS COMPANY
State: GA
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Reached out to these folks when i noticed this discrepancy on my credit report they have no record of it yet every single day i get notified from discover that their has been a negative change in my credit report, my information was comprised on XXXX i found out over the summer since then Ive had to dispute all of these fraudulent charges on my report including this loan of XXXX that i have never received please help as they have been damaging my credit report on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I filed the Initial Fraud Claim due to Identity Theft on XXXX ( at the same time I filed the claims with my other 2 Capital One credit card accounts ) yet when I called on XXXX to check the status, this claim had mysteriously gone missing. So it was re-filed on XXXX with XXXX, who did so very reluctantly. Not only that, but the claim was not notated re : missing original claim filed on XXXX nor did it include all fraudulent transactions and payments that I had just reported to her again. Within hours, before I could call Capital One again about these missing transactions, the claim had already been denied and closed. I received a notice from Capital One on XXXX, stating a credit was posted to my account ( from a previously reported fraud transaction ), and for me to not use my card anymore as it would be denied. I didnt use my card!! The account is closed according to Capital One! These are credits from the merchants with fraudulent transactions coming in and they are not aware of this??? or they refuse to correlate the two and conduct a proper investigation. As I understand this letter, it is stating it will deny any future transactions whether it is a credit refund or a debit charge. My card is closed and has been since I initially reported the fraud, so it is impossible for me to use the card. It is some of the merchants crediting back for the fraudulent transactions that have occurred. 
Capital One has not conducted a proper investigation for fraud claims per the rules and regulations set forth by the Federal Reserve Board. Capital One refused to correct the claim as numerous fraudulent transactions and payments were omitted which were included in my initial claim. 3 ) Supervisor immediately denied my claim as she made false accusations stating I made these transactions. Furthermore, she notated my claims suggesting " not true fraud '' and then immediately denied all XXXX claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Years ago, after they were hacked, I placed a freeze on all three major credit agencies regarding my credit report. I was attempting to purchase an auto and was reminded of the freeze. XXXX  and XXXX  rapidly removed the freeze at my request. Experian, however, made this virtually impossible. They would not remove via their website but required me to send much hard copy information, including copies of my SS card and Drivers license to a P.O. Box in Texas, no street address was available and no human could be reached via phone. 

I sent the information requested in two complete packages, one on XX/XX/2019 and one on XX/XX/2019. IN response, I got an unidentified text message with a one time code. I was not told how or were to use if at all. So, I went to their website, input the code which the computer seemed to take and lo and behold, my credit report with them remains frozen. 

Now, I am in serious risk of breach on my auto traded in via XXXX XXXX XXXX because the dealer has never applied for a loan as the Experian report remains frozen. I am at a loss about what to do at this point.

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 2017-04-19
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
DCI s ent an alleged debt notice saying I owed  XXXX   XXXX   XXXX  from my last bill. I sent proof of payment in full of my final bill and a refund check from  XXXX   XXXX   XXXX  to me from my final bill because I had overpaid. DCI is still not removing it from my credit reports after several notices from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I initially notified the consumer reporting agencies ( XXXX, XXXX, and Transunion ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.

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 2018-11-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My company has checking accounts at Suntrust Bank. My online access was cutoff due to " incorrect password. '' I have a password manager program, so I know this is false. I called and spoke to someone in XXXX. I gave him the last four numbers of my company 's taxpayer ID number. He said it was the wrong number and the account was locked. I spoke to " XXXX '' his supervisor who said the same thing. My password did not change. Suntrust simply locked me out to force me to reset my password, then apparantly screwed up the paperwork they have on my company. It's now Saturday afternoon and all banks are closed, so I'm out of luck till Monday. 
Please figure out what's going on. Thank you.

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