BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrows are inflated due to erroneous calculation of property taxes. Tax rate on XXXX XXXX XXXX XXXX MA XXXX is valued at {$190000.00} with an effective tax rate of {$17.00} per thousand with an additional {$50.00} for a preservation fee which equates to about {$3400.00} for the XXXX to XXXX tax year. In the recent past consumer has made attempts to have XXXX XXXX XXXX XXXX XXXX # XXXX fix the problem but instead of resolving matter XXXX did transfer mortgage immeddiately to Select Portfolio Servicing LLC Account # XXXX with the over-inflated escrows and the matter remains unresolved. Presently escrows are being calculated close to {$4700.00}. To resolve the matter consumer did pay water bill which had been previously liened on the taxes creating the problem. This information has been consistently communicated to both mortgage service, XXXX XXXX XXXX XXXX and now to SPS servicing with no resolution efforts. I prior statements made to CFPB SPS claims they have not been able to contact the tax authority ( town of XXXX ) and stated " Based on the information available, the third and fourth quarters of XXXX were not yet calculated, and can not be provided at this time. However, the taxes were all paid current as of the date of this letter, and there was no risk of a tax sale. The escrow amounts were established by your prior servicer with an effective date of XX/XX/XXXX. " ... Attached please find the property card that contains all the information needed for the tax rate and valuation yielding a XXXX to XXXX tax bill of {$3400.00} and also attached please find a printout demonstrating a payment of {$1500.00} ( representing water bill which was liened on taxes ). Had water not been liened on taxes XXXX XXXX to XXXX the tax escrows would be {$3200.00} based on the that calendar year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received notifications from the three major credit reporting agencies that Portfolio Recovery submitted two collection accounts to them. On that same day I called Portfolio Recovery and was told by a representative and supervisor XXXX XXXX that on XX/XX/XXXX letters were sent to XXXX XXXX XXXX and on XXXX XXXX they were returned as undiliverable. They stated on XX/XX/XXXX they sent another letter to XXXX XXXX XXXX, XXXX GA. Neither of the addresses that they sent letters to are mine. When I called there office after not receiving a letter and having the accounts placed on my report, upon calling the representative stated my correct address upon taking the call. However they failed to notify me at that address before placing the accounts on my report. They have violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Their investigation did not fix an error on your report

Complaint:
As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.

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 2023-06-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.

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 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX XXXX- Account Number XXXX '', has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I paid off XXXX XXXX bank it still on my credit report also its address on their I never lived their

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 2023-02-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 : ,This section provides that the consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: MD
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 have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There a couple of accounts listed on my credit report that aren't mine. Please remove 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 2023-09-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have SPEC LOAN SV. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
SPEC LOAN SV XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-12-15
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: Account status incorrect

Complaint:
I give authorization for XXXX XXXX to move forward with this complaint. This account is currently in litigation in a Federal Court suit against XXXX XXXX XXXX. The account went to litigation due to a billing error that was ignored by XXXX XXXX. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to 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 2023-06-08
Company: CAVALRY INVESTMENTS, LLC
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: Their investigation did not fix an error on your report

Complaint:
I hate to submit another complaint but Calvary Portfolio is not fixing errors on my report. I've sent 4 disputes already and they keep saying they fixed errors and verified account with the 3 credit bureaus. I attached a copy of what they are reporting. As you can see Date last active is different across all 3 reports. I was never active on this account. If I was why would Date of last payment be left blank? They are violating my consumer rights, I do not owe Calvary Portfolio a cent. If you read the comments it says account information was disputed by me already and look at all the inaccuracies and incomplete information on my report. I went over all disputes and credit report with my attorney and he confirmed they are in violation of the FCRA. They are also harassing me for an alleged debt I do not owe them. Also my attorney said collections are supposed to be reporting as closed. Not sure why this is reporting as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: FISERV INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
While I was in prison somebody stole my money network IRS stimulus debit card issued by XXXX and spent over {$1300.00} on it in XX/XX/2022 without my knowledge. I disputed the charges and they denied my case even though I sent them proof twice that I was XXXX  during the time they still won't refund the money. I've spent several hours trying to call them waiting on hold for almost an hour sometimes. Every time I do get through to them they won't give me any information about my case. They already denied it once I had to appeal it and it's been several months. I appealed it back in 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 2022-12-20
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: Information belongs to someone else

Complaint:
This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/XXXX my account with XXXX ( Chime ) was unexpectedly closed. I received no notification, was not overdrawn or have had any issues with the bank prior. I had just over {$2100.00} in my savings account and {$600.00} in my checking account. I can not get anyone on the phone to find out what happend to my funds or why my account was suddenly closed. When I call, I just get an automated message that my account has been closed and that I can email XXXX for help. When I login to the app, I get a " Yikes, your account has been closed. '' I have emailed XXXX XXXX times. I did receive XXXX response midday on XX/XX/XXXX that someone would be in touch with me in XXXX hours. I still have not received a response. This has left me completely at their mercy with no funds to take care of my children. I do not get paid again until XX/XX/XXXX so I am hoping that someone can look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I took out a loan with Wells Fargo Dealer Services. My vehicle was repossessed and then sold at auction for what appears to be an extremely low amount. 

On XX/XX/2014 I was sent a bill with a balance of {$8700.00} that included a line item of {$1500.00} for XXXX XXXX fee due '

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