BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX SPS was contacted to see about options to help with payment after a motorcycle accident and a slow start in short-term XXXX payments. The representative XXXX found a solution by taking one payment and dividing it over 6 months. He advised the amounts needed to be paid and when. We asked the representative if this would be negatively reported on our credit XXXX responded with no it would not be a problem on the credit report everything would be okay. Stating we needed to pay the first payment of the new amount and make the other payments on time it would be fine. The first payment was due in XX/XX/XXXX and the last XX/XX/XXXX. We completed the repayment plan without any issues. We applies to cosign on our children 's school loans and were denied then we saw the issue. Learning that SPS had reported 30 days late on 3 of the 6 payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We called SPS on XX/XX/XXXX, and XX/XX/XXXX, asking for the recorded call to be reviewed with each rep telling us they would document the account and have a manager review. The next rep informed the previous rep didn't do what they had said and it had not been reviewed. On XX/XX/XXXX, XXXX agreed nothing had been done as promised and asked us to hold while a supervisor found and listened to the call. A supervisor informed XXXX that we were correct the original rep did state that nothing negative would be listed on our report when asked. Also, once it was established there would be no harm to the credit did we enter into an agreement for repayment. XXXX XXXX, the supervisor said we were correct and the report would be fixed. We needed to in writing ask for it to be removed from the report due to the error on the mortgage company 's part. On XX/XX/XXXX, an email was sent to the address given to us explaining the situation, the supervisor 's decision after listening to the recording, and the request for the correction on the credit report. On XX/XX/XXXX, SPS added a letter to our online account stating that they did review the audio from XX/XX/XXXX and confirmed the representative did in fact state there would be no negative reporting on the credit report. SPS also stated that they would not fix the report because they were acting within the guidelines for reporting by law. We were misled and misinformed at the time of the verbal agreement in XX/XX/XXXX. We entered into the repayment plan under the terms that were given by the representative in XX/XX/XXXX and asked for things to be clarified to be sure we understood the terms. We would have never agreed had we been told payments would be reported late. We fulfilled our end of the verbal agreement and SPS needs to do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have submitted four requests to Experian to correct the name that should be listed on my credit report. I have sent them a copy of my driver license and a copy of my passport with the correct name. They will not update my name on my credit report. The name should be XXXX 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 2021-07-05
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX or XXXX a debit card was delivered to my old address at my parent 's house from Chime. The card is in my maiden name ( XXXX ) and appears to be a real card and not one of those promotional fake cards some companies send out. I have never had business with Chime and did not apply for this account. I am pretty sure it is a case of identity theft and credit fraud. I've tried to contact Chime via their customer service email and have been given the run around about trying to close this account. They are refusing to close the account unless I send them sensitive documents over unsecured email including my driver 's license and a copy of my social security card. They also requested I contact them from " the email address I used to open the account '' ; which would be impossible because I didn't open the account and it is fraud. Every time I email them a different " representative '' responds to my email and gives me a run around. There is no real person that you can talk to on their phone number. I just want this obviously fraudulent account closed and they are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Payment Resolution Services
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX claims that they paid for two services ( XX/XX/XXXX, {$230.00} & XX/XX/XXXX, {$91.00} ) in excess of the maximum allowed by my plan and they are attempting to get these amounts back from me. 

I have spoken to XXXX representative on several instances ( in excess of 10 calls ) explaining why I shouldnt have to pay these amounts. On each instance, I have been repeatedly assured that yes, I dont need to pay the amount and that this issue has been resolved. I was also provided with a confirmation number of the issue being resolved ( XXXX common purpose ). But for some reason, XXXX through Payment Resolution Services ( PRS ) has been trying to collect on these amounts. I have also been on the phone with PRS on more than 3 occasions explaining the situation. I was initially informed that they have reached out to XXXX about the collection and that I dont have to worry about the collection notice. During my last call they said, XXXX has not responded and that i needed to call XXXX and ask for something in writing on their letter head. The XXXX customer representatives on the phone, however, do not have the authority to provide this in writing and they cant seem to get me to someone with the authority. 

At this point, I am having to deal with these collection notices every two months and having to take time out to sit through lengthy phone calls explaining the same story over and over again but no one seems to be able to help. While the amounts themselves are not high, after all the time I have spent trying to resolve this issue, i think it is unfair to have to finally succumb and pay this amount that I do not owe. XXXX and PRS have their own systems that are not communicating with each other and I am caught in between. This is highly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Exeter Finance Corp.
State: MI
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 was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the XXXX ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: LA
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:
Date it started XXXX XXXX & they took XXXX and the company said they couldnt do nothing since the transaction was done online and there was no errors or mistaken done. But I never did the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened both a checking and savings account with Citizens Bank, XXXX Ohio XXXX on XX/XX/XXXX ... ... this year. This was the last day to take advantage of a promotional offer for a cash bonus. It was {$200.00} for the checking and {$300.00} for the savings, and a additional {$100.00} if all requirements met, after 3 months. {$600.00} total.The checking required {$500.00} Direct Deposit within 30 days and every month for 3 months. I had that in, within 1 month and every month thereafter. The savings was to deposit {$15000.00} and maintain that for 3 months, which I did as well. Also they wanted at least 1 random miscellaneous checking checking account deposit of any amount every month for 3 months as well. That was done by me as well. I had received a mail flyer about promotion months earlier, to my home address, however it was misdelivered ( not my name and address ) and then managed to misplace and lose it. I was interested in it so I stopped by the branch and inquired about my being able to participate with out invitation. The Relationship manager told me a code is needed to start application process. She said she could pull up unused codes locally and did so using one from my own street. The caveat was, ... .she said sometimes they are honored and sometimes not? The promotional period went by, I called in late XXXX. Officer said to do so if had not received by then. I was routed to call center offshore and and was told everything was in order by XXXX and it would be deposited by XX/XX/XXXX. That didn't happen, so in first week of XXXX I called again, and next guy at call center was giving me the run around and needed to connect me to some sort of account specialist. This gal from the states eventually told me she need to investigate further ... and would get back to me. She got back to me a few days later and said I would not be able to get promo reward because code was invalid ( It didn't ) match my address. My point is ... ... these codes are really a random aggregate of letters and numbers ... ... really for what? more importantly, I met all the stipulations and requirements put forth, and this Relationship manager told me others had gotten the reward after having applied this way! I feel VERY strongly that I deserve this money ... .and would like to have it. Needless to say, I have closed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I paid off this debt collection invoice in the amount of {$100.00} to Online Information Services, it was reporting past due on all three credit bureaus. After paying my collection in full with the confirmation # of XXXX Initiated a credit dispute on XXXX, XXXX, and XXXX. As of today, this bill has been removed from XXXX, and XXXX, but I received a dispute complete email from XXXX  stating that the Online Information Services company stated that this was valid and that the status was unpaid. This is incorrect and needs to be corrected ASAP. How can it be removed as paid on 2 out of the 3,  yet on XXXX, they reported it as unpaid? I have receipts, and feel as though this has to violate several regulations in the FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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 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 an account without my written instructions

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 2021-02-11
Company: Atlantic Recovery Solutions LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 at or around XXXX XXXX I got a phone call from Atlantic Recovery Systems from a guy named XXXX XXXX, when I answered he asked me was he speaking with XXXX XXXX I said yes, additionally asked if I received a paper from them I said no. How I know this is because I have i formed delivery that comes to my email everyday to see what I get In the mail. He then says the amount He then proceeds to say well youre getting free money from the government. I told him it wasnt free money and told him to do better. He said do better well Im trying to help you. He tried to guilt trip me he was very rude towards me. To top it off never gave me a chance to even set up anything instead said he was going to mark it down as if I stated I wasnt going to pay. Never verbally said anything of that nature. This guy harrassed me and talked super nasty toward me. If you look at the review on their page Im not the first one with this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Capital One.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TD BANK US HOLDING COMPANY
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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Vance & Huffman LLC.. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
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 was Dispute Credit card XXXX XXXX XXXX XXXX XXXX maybe more than XXXX time with XXXX and I was contact to creditor more than XXXX time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and XXXX and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity

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 2023-06-02
Company: Experian Information Solutions 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:
The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  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 non-monetary relief
Consumer complaint received 2019-03-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been trying to communicate with SLS mortgage/collection agency for the past few years but they refused to communicate by email. 
We have been insolvent after the real estate crashed in XXXX. Both my husband and I have serious health conditions ( XXXX XXXX, XXXX XXXX and XXXX ), and are not able to work many hours. 
I have been trying to settle with SLS but with no relief. 

XX/XX/XXXX, When our property was in a short sale, XXXX ( first mortgagee ) was offering {$3000.00} to XXXXXXXX XXXX ( second owner of the equity line ) XXXX wanted {$19000.00} to close the deal and forgive the rest of the loan with tax liability to be on us. So it fell out of escrow because XXXX did not complied. 
In XX/XX/XXXX, we got an affordable modification with XXXX with a differed amount of {$300000.00} and adjustable rate on the balance which has gone up three times. Now our payment is {$4000.00} We have been insolvent since and have lots of documented health problems, ( husband has XXXX XXXX XXXX XXXX in his XXXX, XXXX and I have a XXXX XXXX that is triggered by stress, and an XXXX is needed to correct this situation. I also have XXXX in all my XXXX  and XXXX due to stress ) Now, with the increased payment on this property, we may not be able to keep it due to our health issues. In that case it may go to short sale or foreclosure. 
At the moment, my father-in-law is willing to offer {$18000.00} to SLS and have the rest forgiven. But SLS continues to reject our offer or communicate or respond through email. They continued to demand large payments from us every month. 
This has been very stressful and has cause serious problems with my health

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 2018-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed the accuracy of reported bankruptcy under my social security number. I asked for validation and proper supporting documents how this information was verified and was never provided the supporting documents why this entry remains and how it was verified. I included a letter from courts that specifically states they do not verify such with the any credit bureau. I ask for this entry to be deleted please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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  refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.

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