BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I currently owe a small debt ( {$400.00} ) to Cypress Financial LLC.

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Meridian Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had purchased a resale timeshare at XXXX XXXX in XXXX Hawaii from their resale office. I was led to believe that when I was finished with the timeshare or just did not want it anymore that I could resell mine through the same office I purchased it from. In late XXXX I contacted XXXX XXXX in an effort to resell my timeshare. I was told the resell office no longer exists. I then told them they could have it back for free because I was no longer interested in the property. They said no thanks and that if I didn't pay, that they will be turning me over to collections. That they did. The collection company name is Meridian Financial and I guy named XXXX calls me every month.

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 2018-08-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Chase Bank online statement lists balances for checking, savings, and three credit cards ( old and new ). On XX/XX/XXXX I saw balance for card ending XXXX was {$0.00}. But I had XXXX reward points ( equivalent to {$540.00} ) and the statement showed 0 points. 
I called Chase and said I wanted to claim points but they were not on my statement. 
XXXX said they would follow up and get back to me. 

Chase letter of XX/XX/XXXX said the card ending in XXXX was closed by the bank on XX/XX/XXXX. As per terms and conditions of the reward program, if the account is closed for any reason the reward points is forfeited. 

I protested an unfair situation on the phone and visited my Chase Branch and received no satisfaction. Called again by Chase on XX/XX/XXXX and told they would not give me my points ( money ). 


I have a very active checking, savings account and a very frequently use my preferred Chase credit card for which I pay an annual fee of {$95.00}. 


I had no reason to believe Chase would close card XXXX and CONFISCATE my XXXX points since I am an active Chase client always in good standing. 

I never have been provided a copy of rewards terms and conditions. 

Chase never told me that my reward points were to be confiscated. They never offered to send me a check. They never offered to transfer my reward points to my very active Chase Sapphire Preferred card. 

Chase has policies that are self serving and lack adequate protection for clients in my situation. 

Chase had ample opportunity to notify me so that I could protect my reward points. I receive statements every month and I call the card center on various occasions. Chase was there to confiscate my {$540.00} but not to responsibly give me the opportunity to collect the reward I earned. 


My statements did not clearly show reward point status for card XXXX and online reward points are not show except buried on subsequent screens. 


Please get Chase to restore my CONFISCATED points ( {$540.00} ) on the card they closed for no valid reason. 


Please get Chase to initiate policies that also protect the client and not only them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps trying to collect an alleged debt at outrageous times and hours but I know my rights an according 15 U.S. Code 1692g they are violating me severely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as " late '' for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am not the person being affected by this complaint. Let me explain -- I am a mortgage loan originator ( NMLS XXXX ) and recently had two past clients contact me about refinancing their jumbo loans. By refinancing I was able to reduce their rate a full point saving them thousands of dollars. Of course there are fees to refinance and they were accepting what I quoted them. Both clients completed the loan application and I pulled their credit report and submitted both files to my processor. About 2 weeks after I started the process both clients received a letter in the mail from Chase bank offering to reduce their rate for free!!!!! I finally figured out that Chase is likely paying a credit monitoring company to alert them when their clients credit report is pulled by another mortgage company so they can contact them to keep the deal in house. I told my clients I do not blame them one bit for cancelling my refinance and told them congratulations. 

What bothers me is what about all of their other mortgage customers who are not offered a lower rate for free? Chase bank only offered this once they found out they could lose a customer due to refinancing. This is not fair to all of their other mortgage customers who will not get a letter like this. They are not treating their customers equally and fairly and should have to offer this to all customers, not just those they could lose to refinancing. Why should others at high rates continue to have a high rate while they offered this to my two clients for free. 

By the way, both of these loans were jumbo loans with average loan amount of {$900000.00}. If they do not offer this to lower loan amounts is this not discriminatory?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I just checked my credit and noticed a closed account for XXXX XXXX and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with XXXX XXXX. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.

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 2021-09-27
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
In XXXX I leased a XXXX XXXX XXXX from XXXX my payment was taken directly from my account on the XXXX of each month. In XXXX I found out that my credit score was down by 44 points. I never missed a payment/ bee late. In XXXX I opened one of my statements and saw an amount to be paid. I called and a female employee told me to ignore bc I am leasing, even though she told me she is new, so when I get the statement I just thread them. I am paying XXXX every month to solve this problem so that I can get my points back and clear the bad score and they keep asking me for more information. Surprisingly today I spoke with a manager and she asked me for more information and when I asked her what other information she need so told me no more information is needed from me. I asked why didnt I get a phone call from the company they told me they did not have a number which that was a big lie bc my cell and job # was on my application. It has been 16 months and nothing is been done. I am conducting a new XXXX and bc of that report I am about to get turned down if I can not give a deletion letter.

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 2019-05-26
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 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 2018-04-22
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: Problem with personal statement of dispute

Complaint:
I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so. 

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: ALLY FINANCIAL 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 is missing that should be on the report

Complaint:
I have not applied for credit with this company

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 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX/Bank of America XXXX XXXX XXXX XXXX, NY XXXX XXXX This creditor is no longer in service and unable to be reached. The number is out of service, the address belongs to an abandoned building. 

High Balance of {$9500.00} as of XX/XX/XXXX High Balance of {$2800.00} as of XX/XX/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 2018-12-09
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have initiated three investigations into a dispute that I have with CoreLogic Credco regarding inaccurate information on my credit report with this company. The investigation results were completed : XX/XX/2018, XX/XX/2018 and XX/XX/2018. The person who has several mortgages, property transactions, addresses, property sales and loans listed on my record lives in XXXX Colorado and has a different middle name than mine. I have submitted evidence of my identity and have never lived in Colorado nor even visited the state. I also have never obtained a mortgage. Each investigation verifies that these mortgages are mine plus the addresses. I am seeking help in solving this matter. Thank you.

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 2023-04-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
This year, I have tried to split my payment with my PayPal account and/or checking account, debit card when I make purchases on XXXX. Instead, Paypal automatically siphons off more money from my Paypal balance than I authorized. When I want to use only seven dollars for my most recent purchase, Paypal deducted eighteen dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Let this serve as a FORMAL COMPLAINT by XXXX XXXX ( originator of loan homeowner on Deed/Title and 100 % Payor of ALL BILLS full-time resident and maintainer of property for 16.5 years against the following entities : Select Portfolio Servicing Inc. FOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For  violating the following but not limited to : Deceptive Trade Practices/ Unfair Business Practices Multiple violations of the Fair Debt Collections Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Willful and intentional disregard for the Federal Cares Act since XXXX ( SPS never substantiated their claim FHA was removed by way of previous modification Mortgage Fraud ( Threats to illegally foreclose on home with no legal Standing ) Refusal to honor QWR Qualified Written Request Refusal to perform MORTGAGE AUDIT ( Homeowners/Barrowers demand Forensic Mortgage audit ... to uncover overcharges that are caused by miscalculations of interest charges, monthly payments, amortization or loan balance. In compliance with The Mortgage Loan Act Violations of Regulation F ... outlining prohibitions,,, false or misleading representations and unfair practices. On XX/XX/XXXX Regulation F Officially superseded ANY previous rules found in The Fair Debt Collections Practices Act ( FDCPA ) Being denied over the last several months for Mortgage assistance and grants because Im not on the actual loan missing several opportunities to have saved my home long ago, avoiding all the pain and misery I have experienced over this mortgage. For example rushing to Tax Preparer to pay mortgage while in the process almost XXXXXXXX XXXX XXXX XXXX 2 MONTHS AGO OVER MOTGAGE ISSUES that shouldn't even exist! This is the honest to God truth!! If added to loan I CAN UTILIZE MY {$180000.00} IN HARD EARNED EQUITY AND PAY ALL THE BILLS. These are bills that hadnt gone delinquent in over 16.5 years except after XXXX XXXX XXXX, Rollover in XXXX XXXX XXXX XXXXXX/XX/XXXX THEN on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks ago ago! ( See attached photos and police reports ) With no refinance opportunity nor XXXX XXXX XXXXXXXX ( which is all Ive heard for 3 years from SPS reps like a script kicking solution down the road slowly nearing default as I begged for help but treated like a peon because Im not on the actual loan but on Deed/Title and pay the mortgage. ) UNDER RARE CIRCUMSTANCES NON-OBLIGATOR BARROWER PAYOR CAN BE ADDED TO LOAN COVID-9 PANDEMIC BEING RARE CIRCUMSTANCES! Once I am added to the loan repeat ADDED not ASSUME ... Add.

COMPLAINTS FILED ON SPS with : The Consumer Financial Protection board The Nevada Division of Insurance ( regarding illegal Interstate Collection efforts by Loan Servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written 3 letters to Experian about removing a bankruptcy from my credit report due to them not validating it correctly and for violating FCRA laws when they tried. I have sent letters XX/XX/19, XX/XX/19, and now XX/XX/19. They have failed to provide proof of validation and are breaking FCRA Laws which I have provided proof on upload.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX car loan has already been paid in full.

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 2021-11-03
Company: EQUIFAX, 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:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX car loan has already been paid in full.

Company response to consumer: Closed with explanation