BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the 6th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX XXXX via ACH. This company do not send any statement every month. To-date, I have spent {$4500.00} in legal fees. This fraudster Select Portfolio Servicing ( SPS ) is an extremely corrupt company operating like Racketeer Influenced and Corrupt Organizations Act, based on internet inputs from their customers Select Portfolio Servicing ( SPS ) must provide a written statement to the borrower each billing cycle, which is usually monthly. ( 12 C.F.R. 1026.41 ). SPS 's statement must show : the amount currently due, including how much will be applied to principal, interest, and escrow the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information, like the outstanding balance and interest rate contact information for the servicer and housing counselors, and information about delinquencies, if the borrower is behind on payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have filed many complaints and police reports for a XXXX   account that is being reported to my Experian and today finally I was able to actually speak to someone in the ( special services department I was informed that since my file was previously mixed with someone else that that department would now always be the only ones to take my calls she also told me that I was not able to dispute an address on my file that was clearly fraudulent and did not belong to mw because it was tied to the XXXX account! she refused to dispute that address for me and she said there was nothing I can doing asked her for her supervisor which is yet to call me her nam was Ms.XXXX in team XXXX  she also refused to assist me with other accounts that they are reporting wrong although the creditor is verifying with them that it is wrong! XXXX XXXX they are reporting late and self lender and bother creditors say that they can. not help me because thats not what they reflect on their end so what am I supposed to do? she also explained to me that she was not accepting my police report because I called them and out to my home how else was I supposed to inform them of what the problem was the report was in person but she still refused to accept it!

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 2023-03-05
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just recently paid all payments to the debt collector called XXXX, for creditor XXXX XXXX. I requested a SETTLEMNT LETTER as proof the account has been Paid in full as of XX/XX/XXXX. This company will not send the SETTLEMENT LETTER as of today. What should I do now. The total amount was {$3000.00} starting in XXXX on XX/XX/XXXX. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: VA
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:
I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.

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 2020-07-06
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:
FTC Violations XXXX XXXX {$1300.00} XXXX XXXX  {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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 status incorrect

Complaint:
Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have seen inquiries from companies that I dont know nothing about.

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 2021-02-23
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I have written XXXX XXXX XXXX XXXX letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXX  credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: R.A.Rogers, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to capital one they didnt do anything and sold my debt to a company called XXXX XXXX XXXX 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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 XXXX 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 explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions 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 are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these from 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 non-monetary relief
Consumer complaint received 2020-01-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I filed a dispute with Citibank about a charge made on my account for {$130.00} for XXXX. they said they would send me a letter to fill out and to return it so they can issue me a provisional credit. I submitted the letter in XX/XX/XXXX and they have yet to issue me any credit towards my account. Every time I call they say they have to extend the timeframe which is clearly a violation of regulation E.

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 2017-08-10
Company: Hunt & Kahn, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.

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 2020-05-22
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 belongs to someone else

Complaint:
this account is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: Mungo Financial Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
DATE : XX/XX/2018 @ XXXX XXXX XXXX XXXX LEFT A VOICEMAIL ON MY WORK PHONE STATING THERE ARE TWO CHARGES PENDING AGAINST ME AND THEY WILL CONTACT MY HR DEPARTMENT.

ACTION TO GARNISH MY WAGES COMPANY IS WILLING TO MAKE ARRANGEMENTS IF I CONTACT THEM TODAY

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: NJ
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 am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.

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 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I received a text confirming signing up for message from XXXX XXXX. I had never signed up for anything here. Then on XX/XX/XXXX I got a phone call from XXXX that works there with some questions about a loan I applied for. I never applied for a loan there, so they denied any application on record. 

Then on XX/XX/XXXX I received a letter in the mail from CapitalOne saying the credit cards I applied for on XX/XX/XXXX were denied. I never applied for any credit cards there or anywhere else on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request

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 2020-05-22
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, I make a non-cancellable booking for a 2-nights stay for XX/XX/XXXX to XX/XX/XXXX on XXXX California  XXXX website, and prepaid {$320.00} using my Citi Premier credit card. 

XXXX, XXXX California  XXXX announced on their website that the hotel will be closed due to COVID-19 until  XXXX. They offered to convert paid bookings during closure to credit for future use. 

I did not accept the offer and contacted XXXX California   XXXX customer service several times, asking for refund due to non-delivered service. They kept persuading me into accepting the credit and refused to refund with the excuse that my booking is " non-refundable ''. 

XX/XX/XXXX, I contacted Citi to file a dispute. Customer service only asked information to locate the transaction and created a dispute. I was not asked to provide any document or evidence at that time. A temporary conditional credit of {$320.00} was posted to my account. 

XX/XX/XXXX, I logged on Citi website, checked my account, and surprisedly found that the conditional credit of {$320.00} was reversed. The dispute is shown closed with the result of " Resolved in merchant 's favor ''. A document provided by the merchant was linked with the dispute. 

Since XX/XX/XXXX till right now ( XX/XX/XXXX ) as I am filing this complaint, Citi did not contact me once either asking for any supporting material or notifying me about the result before the case was simply closed like mentioned.

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 2022-06-14
Company: AMERICAN EXPRESS COMPANY
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:
My credit was frozen and American Express still issued a credit card to a fraudulent person in Florida. I have no clue who this person is but American Express gave me his information. Despite my attempts, American Express refuses to close the credit card even though I personally do not have an account with them. This is fraud! This person was allowed to charge up to XXXX dollars even though they said they froze the account until he provided the proper identification. He never provided such identification since he doesnt have my DL or anything like that but since he made a small payment, they allowed him to continue to use the card. I have called many times and they say they will investigate but it always comes back denied. I have a police report and this person used my information to open other accounts which I had no issues getting closed since it was obvious fraud. This should never have happened in the first place since my credit was frozen since I have had issues in the past with fraud.

Company response to consumer: Closed with explanation