BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is part of the XXXX XXXX held XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes. I am disputing the legitimacy of this trust and Select Portfolio right to attempt to foreclose on my property at XXXX XXXX XXXX XXXX XXXX Ga. I will need information confirming the existence of the XXXX XXXX XXXX XXXX XX/XX/XXXX. I have researched it myself and have found that there seems to be no information on it past  XX/XX/2015. This concerns me. I have requested this information multiple times before via handwritten request as well as verbal requests. I am well aware that the trust is held by XXXX XXXX. I need recent records on the actual trust itself. Recent financial records, Tax records, anything that can show me that this is a legitimate trust and is still in existence. I have spoken with XXXX XXXX from XXXX XXXX, who apparently manages the service agreement with Select Portfolio, and he could tell me nothing about this trust saying that, XXXX XXXX XXXX may have a record of it. Why XXXX XXXX XXXX would have a record of it I have no idea. It's supposed to be held by XXXX XXXX. I am sure you can understand my confusion and concern as to where my money is actually going. I find this lack of transparency between Select Portfolio, XXXX XXXX, XXXX XXXX and whom ever else may be involved with the XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes, to be completely unacceptable. I have a right to know and gather information on this trust to make sure it is all Legitimate. Not to mention all banks involved have been fined heavily in recent years for bank fraud as well as securities fraud and I believe XXXX XXXX Headquarters in XXXX was just raided due to money laundering accusations. This to me is extremely worrisome and I demand transparency on all aspects of this trust that my mortgage is part of. Every time I ask this question my only response from Select Portfolio Servicing is that XXXX XXXX is the holder of the trust. Let 's see if we can dig a bit deeper this time. My intention is to keep my house and I am able to catch up on payments once I am secure with the situation. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is calling on a COMPANY credit card debt owed to XXXX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the XXXX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called Radius Global Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ 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 2023-07-12
Company: EQUIFAX, INC.
State: VA
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 been contacted in reference to inaccurate information, inaccurate furnishing of information and or FRAUD under my name. XXXX and Equifax are reporting accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX XXXX Any accounts from XXXX XXXX Bank and XXXX Bank need to be deleted from my credit profile as soon as possible. The unfair and inaccurate reporting is causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, XXXX suspended my business debt card without any acknowledgement that the company would do so. I immediate contacted XXXX XXXX Bank and was told my account was suspended until further notice, and that not much information could be provided. XXXX XXXX XXXXXXXX restricting both of my accounts has caused me emotional distress on top of late payments for utility bills and fees. Although fraud charges have occurred on both of my credit card accounts multiple times XXXX XXXXXXXX XXXX  did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that are unauthorized by the consumer. XXXXXXXX XXXX XXXX  has no right to restrict and suspend my account, without proper notification nor authorization. XXXX XXXX XXXX has my funds/credit on hold I have a right to use the credit that is available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a loan from Wells Fargo about XXXX XXXX XXXX and it was supposed to be paid off this XXXX, Wells Fargo is still saying I owe roughly XXXX on the loan and I have made every payment and have used approx XXXX deferments so at the latest it should be paid off by the end of the XXXX I believe my payments have not been applied to my loan and Ive been charged illegal fees and would like this matter investigated

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 2021-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Synchrony ( the company behind Amazon Credit ) I make purchases every month ( Revolving Charges ) and  also have two 6-months same as cash promotional purchases. I pay off the revolving purchases in full each month and pay 1/6 of the promotional charges until they are paid in full. When I receive the bill, I am unable to determine the total of the Revolving Charge and the Promotional Purchases. I have called every month since XXXX to have someone explain my bill to me. I still do not understand the bill. 1. The balance on the promotional charges does not match my figures. 2. The balance on the revolving monthly charges should be clearly stated each month so that I can pay it in full and it is not. The bill is confusing and I am frustrated trying to figure out how much I need to pay each month to avoid interest fees and am tired of calling them each month for an explanation before I can pay the bill. 

I originally sent this complaint XXXX and received an email from XXXX XXXX asking me to call her. I called her on three consecutive business days, XXXX XXXX, and XXXX. I listened to a recording indicating that she was in the office but could not take the call, please leave a message. As of today, I have not heard back from her.

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 2023-07-31
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regards to my PayPal account and PayPal credit card. I had money deposited into my PayPal account by XXXX XXXX, an app. I used the money to pay my PayPal credit card. At the same time, other transactions, which I thought would come from either my PayPal credit or checking account ( both with money to cover ) were deducted from the money that should have went into the PayPal credit account. This made the payment not able to process and I was charged a {$27.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Byrider Franchising, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today between the hours of XXXX and XXXX XXXX the General Manager at JD Byrider on XXXX are XXXX XXXXXX/XX/XXXX and I were having a conversation about another agent, XXXX, and the illegal repossession of a XXXX XXXX XXXX XXXX I have contacted legal counsel and asked XXXX for contract, tracking number for a right to cure letter they stated was sent certified and payment history. XXXX and I were going back and forth. He then stated, I was trying to be nice to you but now you aint going to XXXX get XXXX! And hung up the phone. He called me from this number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MO
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XX/XX/XXXX..Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.

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 2018-04-24
Company: CASHCALL, 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: Account status incorrect

Complaint:
CASHCALL made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/XXXX.The contract attached is fully executed now that the XX/XX/XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XX/XX/XXXX.Yet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XX/XX/XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America, in my opinion, is punishing me for my prior complaints. 

I've made a transfer to pay the mortgages this month and now can't log into the website to make the payments. As the attached says the system isn ' available to me - not generally unavailable, just to me!! 

I've made repeated attempts to call - and you should try it too - without an answer. You'll get a recording about this being an attempt to collect a debt, and other intimidation language but you will not get the thing fixed so I can make the payment without BoA assessing 'late fees ' or other punishment for my complaints.

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 2020-05-29
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation