BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-12
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have never missed a payment with the company and we are trying to modify our loan and making it extremely difficult. They also came back with a 6 month trial where the payment went up over 200xs our original payment. We have hired a lawyer and they are not corroborating on resending documents over for review.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2020-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XX/XX/XXXX. They reported 30-60 days late and affected my credit score terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Saturday, XX/XX/XXXX, Mr. Cooper made an UNAUTHORIZED mortgage withdrawal from my XXXX checking account. I have automatic payments set up, for as long as I have had my mortgage the payments are fully funded. This is one ADDITIONAL mortgage payment, after my regular XXXX monthly payment was processed. 

I spent HOURS on the phone trying to get a hold of Mr. Cooper and XXXX, and finally ended up speaking to my local bank branch. I don't understand how a company can make an ADDITIONAL mortgage withdrawal which was NOT AUTHORIZED from my account. There was an automated email that went out from the company. I have tried to contact them via the email provided and I am getting XXXX delivery error messages that it can not be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Are Fraud accounts.

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.

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 2021-03-26
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Today at XXXX EST-i tried to make a payment and their server says that I am not able to make payments between XXXX ( Pacific Daily Time ) I am in EST zone so this should not affect me. This is the 4th or 5th time this has happened. I've brought threats of the CFPB and this company doesn't seem to care. I am trying to pay additional principal down and their website will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Chase on XX/XX/XXXX of which was for a checking account at chase that ended in XXXX. I do not and have never opened a checking account at Chase Bank. I called the bank on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX after waiting both times for over 45 minutes was told that I had to speak to the Fraud Department and they were closed. On XX/XX/XXXX i waited for an hour for a representative and when they answered they disconnected me. I proceeded to call back and waited another 50 minutes when a gentleman answered named XXXX who verified that there was a checking account opened for 35 days with a XXXX balance, the account was opened online and verified that all of the information was mine with the exception of the telephone number was an XXXX number which should have been a RED FLAG. He proceeded to send me to the Fraud Department where a lady named XXXX informed me that she had to send me to the Identity Theft Department. A XXXX from the Identity Theft department informed me that she was going to mail me a document to sign and I needed to mail copies of my Drivers License and another form of ID along with my SS card, They already obtained and confirmed my information with me and I still have not received anything from them. I feel that the bank did not do a proper XXXX due diligence when this fraudulent account was opened and they also ran my credit as I checked my credit report and it is on there. The debit card number is XXXX XXXX XXXX XXXX. I asked for the Chase staffs full names and they all stated that they were only allowed to provide their first name.. It was never confirmed that this fraudulent account was closed and that the debit card was closed out too. This is the worst bank as they opened an account and didn't do the proper due diligence and to know that now someone out there has all my information and was able to open an account is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Senex Services Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and noticed that Senex services was reporting several debts owed by me on 1 or more of my credit reports. I have no knowledge of these debts so I disputed directly with the credit bureaus and their response was that the debts were verified as belonging to me. After several attempts requesting the bureaus provide me with verification and no success I requested directly with Senex that they validate the reported debts. They failed to do so but responded with the attached letter stating that " per my request they will no longer attempt to communication with me ''. However this was not my request it was actually for them to communicate with me and let me know what proof they had that this was a debt that belonged to me, was accurate and they were able to legally collect from the person that owed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
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:
The account is still showing negative information on my credit report as of XX/XX/2020. I have gone thru bankruptcy and dispute with the three major credit bureau and third party bureau. All my information has come back to verify. This is affecting me to move forward.

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 2020-07-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My wife and I needed funds to pay for a medical procedure for our daughter in early XXXX. The doctors office supplied a brochure for a credit card Care Credit by Syncrony Bank to pay for the procedure. The promotional material represented an interest free credit line if the balance is paid within the terms of the loan. The advertisement showed a grid in the brochure with several examples of zero percent loan payments, all with two and three year terms. When we received the credit we assumed we set up a auto payment to pay  the loan off in two years and I was sure to pay several dollars more then the minimum payment. In my mind this would be extra security to be sure the line was paid with time to spare. 

To our dismay, at one year in XXXX we were hit with, over {$1100.00} interest fee, as the term of our credit was, unbeknownst to us, set at one year. According to Syncrony, at the time we recieved approval for the line of credit/credit card, an additional email was sent directing us to check the terms of the credit loan. Since we set up payments and saw no indication that there was a term limit of one year we did not monitor monthly statements. My wife and I both did not see this follow up email and also did not understand the line of credit would be any different from the one advertised that we assumed we were applying for. My wife and I feel we were tricked by the credit card company and this was done intentionally. 

We sent several correspondences to the company with the request they honor the advertised credit rate and negotiate a settlement. They have refused twice expressing regret that we were confused by their promotional material.

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 2020-11-05
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:
The following items are not mine : XXXX XXXX - Bal : {$59.00} ; this is not my account and this account is a result of identity theft. 


I was never 30 days late on the following accounts : XXXX XXXX - Opened XX/XX/2018

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 2020-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was doing my home loan with Select Portfolio Servicing , Inc. ( SPS ) starting XX/XX/XXXX. 

On XX/XX/XXXX, we paid up the remaining principle and closed our account. However, an autopay was triggered during our closing period on the beginning of XXXX, therefore we overpaid the amount of the loan, we are expecting a refund check of {$4500.00} from SPS. 

We have been waiting for the refund check being mailed to us since XXXX, and called SPS several times. With the COVID-19 pandemic strike, SPS told us on XX/XX/XXXX that the check was delayed due to the pandemic, and assured us that they will send the check ASAP. On XX/XX/XXXX, I called SPS again, and they claimed that the check was sent, but probably missing in mail. They will void the previous check, re-issue a new check, and send it over. 

However, when I called SPS on XX/XX/XXXX, I was told by a customer representative, that according to their cashier 's record, the previous refund check was mailed to me on XX/XX/XXXX, and cashed on XX/XX/XXXX. I did not receive the check, nor did any of my family members. 

After my push to investigate, SPS has been working on an internal investigation about the check, but they refuse to re-issue a check to me because they claimed my account was closed and paid in full. I have escalated the issue several times with SPS customer service department, which provided no help at all, and also to the ombudsman department, which keeps delaying the research they promised to do. 

On XX/XX/XXXX, I have finally see the copy of the cashed check from SPS, but it is clear that someone else endorsed that check and cashed it out. I have submitted a police report as suggested by SPS. 

I have submitted an Affidavit of Unauthorized Endorsement or Altered Items with SPS, and let them forward to XXXX, because SPS is banking with XXXX. SPS told me that the investigation could last several more months. 

To me, I did not receive the fund I was owed from SPS, their records contradicts with themselves at several points, from when the check was issued and sent, to how they would be able to re-issue my refund, and the process has been delayed for so long to investigate what is wrong with their own system. I can not tell if this is an insider misconduct, but from the beginning to the end I did not have my hands on the check that was supposed to be issued to me. SPS and XXXX may have sent the fund to unauthorized party, but it should not be the reason for my loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2021, I deposited a Treasury Check to my new Citibank account that I had opened online. A few days later I received an email from Citibank stating that due to my having violated the account terms, my account was being closed. I found out that my debit card and online access to my account had also been terminated. When I phoned Citibank to determine why, I was told that my check was not valid and that the issuer had been contacted to verify this. When I contacted the issuer, they were surprised and verified that the check was valid. I went back to Citibank, who told me that a duplicate check had been cashed prior to XX/XX/XXXX. Again, the issuer said that no such check had been cashed, and that my check had been cashed on XX/XX/XXXX. Citibank refused to give me any more information. I went to the branch and was told that they could not help. The phone support at Citibank then told me that I had to wait two more weeks until they determined whether the check was valid. At this point, it was XXXX. There was a lot more back and forth, and waiting on hold for literally hours, by me and also with the troubleshooter from the issuer. Finally, I went into the branch and the manager was able to get someone from Citibank, on the phone with the issuer also, to admit that this had been human error and should never had been done. I was told that the check would be mailed, but it would take 3 weeks. A few days later, the bank manager said that my account would be re-opened and the funds deposited, but he called back a few days later to say this was not possible and that he had been advised not to handle the issue any further. He referred me to a different Citibank department, the XXXX ' department. I have not heard from them. To date, I have still not received a check. On XX/XX/XXXX, it will have been 60 days.

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 monetary relief
Consumer complaint received 2022-08-05
Company: Mid-Minnesota Management Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people called me a lot in the beginning. I didn't know I could negotiate with them to reduce the debt. I repeatedly told them that I could not afford to pay more than {$50.00} a month and they would not accept that from me. It was not good enough for them. So they kept calling. I finally had a little money left over after I got paid one month and I paid {$100.00} on the debt. Then they agreed that I could pay {$50.00} a month after that, but wanted me to start that right away ... even though I just paid them {$100.00} and I told them I needed some time to be able to make another payment. They set my due date at the XXXX of each month, but to be honest I can barely afford to pay the {$50.00} even. I have to pay for gas for my car and for groceries on credit cards because I don't have money left over after I pay my regular monthly bills. This website says that I should not be paying more than I can afford and I feel like this company " bullied '' me into a payment plan that I really, honestly, can not afford. I just paid them another {$50.00} today because I'm tired of them calling me and now I have {$30.00} left in my checking account until I get paid again on XX/XX/26. Obviously, that is NOT going to last for two weeks and I'll be forced to increase my credit card debt to make it through the next two weeks. Not once did this company even offer to settle this debt for a smaller amount and for someone like me who repeatedly tells them how tight my finances are, I feel like they should have offered me a smaller amount and let me do a smaller monthly payment. Also as it relates to the original debt, I made a partial payment to XXXX when they sent me a bill in the mail. I never once heard from them again on this bill/debt so I thought that maybe the waived the rest ( as many other facilties have done with bills ). Then all of a sudden this Central Resources company is involved and XXXX tells me they can't speak with me no more about the bill/debt. They didn't ever offer me any option to apply for a reduced or waived balance either and they should have! They never communicated with me after I made that partial payment to them.

Company response to consumer: Closed with explanation