BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( " SPS '' ) has " illegally collected and illegally kept over {$10000.00} in Escrow Deposit Account '' to pay for my property taxes and my property insurance, but the said Escrow Deposit Account do not exist anymore and Select Portfolio Servicing ( " SPS '' ) did not pay a dime. This is a CONSUMER 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 2022-02-02
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax 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 from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: NC
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:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Was charged {$140.00} in interest, however per the recorded phone call on XXXX XXXX, I was told there was a credit being given back to me. Taken the promised credit, credit from returns and payments, it covered that statement balance. Ive been a long time customer and always pay my card in full. If I was not going to be given the credit, they should of not told me and I would of paid the difference to avoid interest charges.

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 2019-05-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/2019, an account from American Medical Collections that appeared on my credit report was found to actually be with the original creditor XXXX XXXX, in the amount of {$120.00}. This account was immediately paid with the original creditor. I have no financial obligations to American Medical Collections, yet they continue to report to the credit bureaus a collections account in the amount of {$120.00}. I have called and submitted my receipt multiple times. AMC refuses to remove this false negative report, thus damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: FISERV INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received 7 letters by mail from TRS Recovery Service LLC. saying I owe money for a transaction with XXXX. I pay for all my transactions with XXXX by bank debit card. 

All these letters say the same thing, that I wrote a check to pay and check was returned, and that my bank account was closed. They are asking for {$47.00} plus a returned check fee of {$25.00}, that total comes up to {$72.00}. 

It has been years since I wrote a check and my bank account has never been closed.

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 2019-06-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 Had to contact a Advocate Ms.XXXX  XXXX to receive information on the progress of Modification. I needed her to tell me now to get access into a site sent by Bayview Loan Servicing , LLC to view the status as well as any outstanding items and to be able to upload Doc.which maybe still needed. Please refer to memo included dated XX/XX/2019 from office of XXXX XXXX. Ms. XXXX stated the only update she sees at present is XX/XX/XXXX denial.I had not and have not yet received anything from Ms. XXXX office as of yet. # 2 upon asking Ms. XXXX to help me get into the suggested site, in order to review the status by tracking my account at www.Bayview Loan Servicing, LLC. Comthen go to tab ( which was no such site ) called '' My Worked Out Details '' to view status and outstanding items.There was only a My Workout Details was a Gymnastic center work out.obviously she was unable to find such a site either. Upon asking her why I was denied again and what papers were missing she stated none, it is the investor denying the modification which she stated is XXXX XXXX'.someone else suggested I send a dispute denial to Ms.XXXX asking her to forward my request to the investor on my behalf MY COMPLAINT IS WHY WASN'T I SENT A FORM TO DISPUTE OR APPEAL THIS DECISION, I received nothing on all decisions being made, XXXX Resentative Mr. XXXX XXXX has heard nothing also from these representatives verbally or posted to the uploads of my status.If not posted or contacted how would I know of progress or denial taking pla e and what would be the next steps to close Ms. XXXX did say she does not see a solution or a sale date upon my aski g where is this going I feel like this is extremely unfair and somewhat bias that I'm being discriminated against started with 2 payments behind which would have been addressed at that point except for the loan company refusing the payments no one at the loan is trying to work with me and my Representative Mr. XXXX to resolve the matter and stop trying to justify takeing my home and leave me homeless i maybe XXXX in years but im XXXX inmind I'm not senile or stupid and plan to be around a longtime still. Stop trying to steal my house and work with me and the XXXX Rep. MR. XXXX to obtain a Fair modification to benefit everybody. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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: Information belongs to someone else

Complaint:
defamation of character. 
ftc violation XXXX took of a loan and put it back on the XXXX lease also equifax has done nothing to try to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Associated Credit Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I start a water delivery service company called XXXX XXXX by XXXX. I have 30 days try their service but after they delivered water and cooler in my home ; I return all equipment on XX/XX/XXXX, because I found that water has particulars inside. I cancel my service. XXXX company charged on my credit card for every month {$33.00} I dispute this case with XXXX card. 

XX/XX/XXXX, I received a collection letter from Associated Credit Service INC. Also, I received several harassment phone calls from them. They demanding {$200.00} plus {$190.00}. They showing that the two XXXX XXXX   Water company account, they asked two separate charges. This credit collection agency asking depth not, it is not mine plus they showing two separate case file and two different account number. 
Also, contact with XXXX XXXX water company, I spoke with the collection and credit department. The person I spoke with XXXX. I confirm that I only have one account. 
This collection company, try to collect money that I do not owe or service with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, 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:
According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had care credit earlier this year to pay for a dental procedure. I paid my account in full and closed my card. 2-3 months later I attempt to apply for a new account. I am denied through the preapproval application process. I contacted Sychrony and was told that I was denied because I didn't check the terms and condition box. I reapplied through the same preapproval process and checked the ONLY box that says " check here that you agree this is not a credit check ''. I was denied again and the message stated I would receive the reason within 7-10 days. I received a letter 7-10 days later and it says I was denied due to a previous application approval. I call back to care credit and spend 45 minutes on the phone only to be told I was denied due to not checking the terms and condition box. The representative told me to reapply through the preapproval process again and make sure to check the box. I was denied again with the same message to wait 7-10 days for their reason. I received another letter dated XX/XX/XXXX stating again that I was denied due to a previous application approved. I call back today XX/XX/2021 and went through the same process again applying through the preapproval process only to get denied again. I walk through the application process again with the representative and still denied. I an transferred to a manager who said that I am not checking the terms and condition box. I told him there is no terms and condition box and read what I saw. He said there is a part 2 to the application where I have to press the box for terms and conditions. How am I suppose to check a box or move on to part two if I AM BEING DENIED AFTER I SUBMIT THE FIRST PART. He told me that I could try to apply with a coapplicant and I declined due to the fact I am qualified on my own! He told me I would need to have the place I am needing to get my surgery done apply. No one is able to tell me why I am being denied credit and the letters that are suppose to tell me why are only saying it is because my previous application was approved. Care credit shows no approved application.

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 2019-06-17
Company: EQUIFAX, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is in regards to my XXXX XXXX XXXX application serviced through Synchrony Bank. 
I was so excited to hear that XXXX was offering this, as I have been in the process of rebuilding my credit. Ive been a prime member for years and this would be a great way to help with my credit building process. 
I applied on XX/XX/2019 with my SSN # and was approved for the secured XXXX XXXX. I received an email stating that I was approved and that I could follow a link to be able to deposit onto the card. The link is XXXX. I followed the link which takes me to the help section of the credit cards listed on XXXX XXXX. There is no link or information on how to deposit to get this account going. I have spoken with XXXX support about this and they directed me to contact Synchrony Bank about this account. 
I did so on XX/XX/2019 at approximately XXXX pacific time. I was transferred 5 different times, hung up on twice, was even told that I didnt have an account. This account has still not been funded. The last representative I spoke with informed me that if I was using my phone that could be causing the issue with the link. I just tried on my laptop at work and I still get the same issue. The manager informed me that I would need to send a check to set up the account. I refused this with me stating, that the number which was dialed to get in touch with her says with options that I can fund this over the phone with my checking account routing number and checking account number. She dismissed this stating that they dont do this. 
I am very disappointed in the customer service and disrespect that I was received. This is on on my credit report as a hard inquiry and I would like it to be on there as a credit card. The business practices that was shown today by Synchrony Bank has forced to file a complaint with not only Synchrony Bank organization but also with XXXX, the CFPB and the XXXX. Its a shame that Im doing my best as a consumer to pay off my debts and to improve my credit worthiness that a company would put someone through this and yet still have no solution. 
Please contact me for any questions regarding this matter as I would like a follow up as this is on my credit now.

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 2020-06-23
Company: AES/PHEAA
State: WI
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:
Fedloan Servicing calculated my PSLF payments to be that of 124 in  a letter dated XX/XX/XXXX. The later states that I need to submit another PSLF APPLICATION FOR FORGIVENESS.

The last and most current PSLF App for Forgiveness I submitted was on XX/XX/XXXX. When I call the servicer I am told that I do not need to take action that this info has been submitted to the Dept of Education for review. The information in the letter and from customer services is inconsistent. 
I have asked for written communication that I do not need to submit the PSLF app and have not received this. The first request I made was on XX/XX/XXXX to XXXX ( employee ID XXXX ) I was ASSURED by XXXX that this email/letter would be drafted and sent within 48 hours. 
On XX/XX/XXXX I received an encrypted email from XXXX, Fed Loan Servicing attacinghin ONLY the letter i already received on XX/XX/XXXX stating i need to submit a PSLF App for forgives. 
Because this information, AGAIN, is inconsistent, I contacted XXXX, ( employee XXXX ), supervisor with Fed Loan Servicing on XX/XX/XXXX. XXXX informed me that the last rep, XXXX, did not submit what she said she would submit. XXXX stated that I do not need to submit a new PSLF App, BUT I HAVE RECEIVED NOTHING IN WRITING. I was assured by XXXX that I would receive communication within 48 hours. 
I have received nothing and there are no updates on my on line Myfedloan.org account. 

I began contacting My Fed Loan in XXXX regarding their miscount of my payments. It has taken them 4 YEARS to count them and they are in agreement that I have made 124 payments. 4 payments over what is needed and yet I can get no written assurance of this. The last payment I needed to make was in XX/XX/XXXX. It is now nearly XX/XX/XXXX. 
This gross mismanagement is negatively impacting my life. I have had to remain working for a non profit and AGAIN need to file my income taxes separate from my husband. Not to mention affecting my credit score and the more than {$1300.00} that Fedloan Servicing owes me for overpayments. 

I can not imagine any other financial agency operating like this. For example, I would not keep paying on my mortgage or my loan until they say to stop, as in when they get around t0 with counting my payments.

Company response to consumer: Closed with explanation