BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX Select Portfolio Services offered me a repayment plan with the following details : {$3300.00} for 6 months and {$70000.00} balloon payment. The 1st payment will be due on XX/XX/19. This information was provided by two representative of Select Portfolio Services, XXXX XXXX and XXXX XXXX who represented themselves as 'Supervisors '. However during this time that I was under review for a Hardship program, Select Portfolio Services was pursuing a foreclosure date of XX/XX/XXXX. I understand this is a violation of Federal Dual Tracking law that a lender can not pursue foreclosure while reviewing a homeowner for a loan workout program. Because Select Portfolio Services was illegally pursuing foreclosure for the next day, I was forced to file bankruptcy to save my home. Now they are telling me the repayment plan has been cancelled because of the bankruptcy. The bankruptcy I wouldn't have had to file if Select Portfolio Services hadn't violated Dual Tracking law. 

Select Portfolio Services currently has a sale date on my home for XX/XX/XXXX even though I am protected by Bankruptcy. They sent me a letter stating the home was protected by a 'Stay ' but have a sale date anyway. I understand this violates US Bankruptcy law as well as the Fair Debt Collection Practices Act. We were told this by Select Portfolio Services representatives XXXX XXXX on XX/XX/19, XXXX XXXX on XX/XX/19, and XXXX XXXX on XX/XX/19, all of whom represented themselves as supervisors. They refused to recognize there was an illegal sale date and simply told me they would look into it and get back to me. I never received a call from anyone at Select Portfolio Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX closed out his personal loan with navy federal in full. Still shows account is open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: GA
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 submitted a valid FTC report from FTC.gov, to Experian on XX/XX/2021. Experian has refused to block the fraudulent information on my credit report, resulting from identity theft. I mailed all required identification documents via certified mail. I spoke with two separate representatives on two separate dates ( XX/XX/2021, XX/XX/2021 ). The first agent informed me that my information would be processed and blocked by then end of the business day. I called back on ( XX/XX/2021 ), I was informed by a separate agent that my information would not be blocked. The agent also suggested that I file a CFPB complaint regarding this issue.

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: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone sent this XXXX dude on my paypal XXXX twice and now its gone from my account. I didnt not athorize this payment and would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently had a debit card account with bluebird American Express there was a {$630.00} charge to XXXX XXXX in Minnesota I live in XXXX Texas I was told that the refund should be back on my card because they can see that I am not in Minnesota I have filed a dispute three times and got the same answer and was not able to speak with anyone about my refund this was two months ago and I still have not heard from anyone apparently there is no one To talk to directly I sent emails and letters with no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a copy of my 3 bureau credit report in XX/XX/XXXX, I noticed that Pro Collect was reporting a balance of {$1000.00}. I am unfamiliar with this company so I reached out to them in hopes to get some clarity on this alleged amount due. During the call I was told that they are a third part and have been collecting on the account since XX/XX/XXXX. I requested, both in writing and verbally, a copy of the contract and /or validation of this account on XX/XX/XXXX and have yet to receive either. 
The presence of this account has made it difficult for me to obtain even the smallest amount of credit and has caused a great strain on my lifestyle. I also disputed this account directly with the 3 CB 's and they came back verified. I requested the name and documents used to verify this account well over 30 days ago. According to the FCRA it must be deleted from all reporting entities. I am requesting that Pro Collect comply with FCRA, 15 U.S.C under Section 611 ( a ) ( 5 ) ( A ) ( i ) and delete this account 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
Consumer complaint received 2018-02-21
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being asked to pay a medical debt of {$1500.00} for services that incurred when I was a minor ( XX/XX/XXXX - XX/XX/XXXX ). I didn't sign any paperwork stating that I would be financially responsible for these services because as a minor it would be illegal for me to do so. 

My Mother did sign the paperwork stating she would be financially responsible for the services I were to receive. 

She unfortunately did not remain true to her word and left the services unpaid. Fast forward to XX/XX/XXXX my mother received a phone call stating that " she had not been receiving statements over the past 2 years because we changed systems. I explained that she has an outstanding balance but that her account is not in collections due to the fact she has not received statements. she said that she is unemployed currently but she agreed to do $ XXXX  monthly towards her account sent statement today-tw '' XX/XX/XXXX " Statement was returned today as undeliverable although she verified her address before I sent it. I tried calling but her number is now disconnected. if she does not make payment by next billing I will call again or she will go to XXXX. -- XXXX '' XX/XX/XXXX " XXXX has not made payment since XXXX. Tried calling, no answer. Send to TekCollect - XXXX '' So now this debt has been put on my credit and has been harming my credit score even though it clearly shouldn't. 

I've talked to the business where I received the services ( XXXX XXXX XXXX ) as a minor and they insist that since I'm of legal age now I owe the debt. 

I also tried to dispute it with the collection agency ( TEK COLLECT ) and they deemed the debt to rightfully belong to me instead of my mother. 

I firmly believe that this is not my debt but my mothers and I want to make sure this gets removed from my credit report and added to hers. My mother also believes this and has tried to contact the business where the services were rendered to get the debt transferred to her but - they refused to comply and insisted that she could make payments but the debt would remain under her daughter name and social. 

Also my mother and I share a similar name but you can clearly read that the signatures on all the paperwork is her name and not mine - and the dates when it was signed would have been when I was a minor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made multiple attempts to submit my income verification information to Navient over a period of three months. Each time I submit my information I receive confirmation that the materials have been received then vague communication if any stating items are missing but not outlining what is missing. After submitting several documents outlining my gross pay, I called Navient on three occasions to verify that they did in fact have what they needed to verify my income. Each time I was told I need one more thing then I was told that it would be expedited in 1-2 business days to keep my payment from tripling and consuming almost half of my income which I can not afford. I confirmed receipt of needed information with nothing outstanding only to receive notification that items were missing again two weeks later. This is delaying my payment calculation and I feel it's intentional as I fight with Navient every single year. They claim XXXX XXXX XXXX is not a valid site to verify income yet they have it listed on their site and it is widely used by many employers. I have taken the necessary steps multiple times, and have no clue how my payments are being applied as my total balance only increases despite never missing a payment. I want to leave Navient and their crooked business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
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: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes with XXXX, and Trans Union, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact?

My credit reports from XXXX  and Transunion report as a charge off, not sold to anyone, only under the company XXXXXXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.

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 2020-09-08
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems says I owe an account to XXXX XXXX in the amount of XXXX opened in XX/XX/XXXX. This is not possible since I have been incarcerated in the Colorado Department of Corrections since XXXX. They have refused to validate the debt and provide original copy of the contract. I gave them 60 days, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XXXX1, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my Synchrony Bank - Carecredit account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with XXXX  about my Synchrony Bank credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

XXXX  was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
State: LA
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 problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Chase - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  who is owned by XXXX XXXX XXXX XXXX, XXXX contacted me by text message on my cell phone after I asked them not to communicate that way. This is a violation of TCPA and FDCPA. I have asked XXXX XXXX XXXX to communicate with my authorized Representative, but have not gotten a response, which is why XXXX XXXX XXXX XXXX needs to now handle this. Please contact XXXX XXXX regarding this matter XXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and Experian, XXXX, XXXX  saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!

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 2018-11-27
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: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Dear CFPB, The purpose of this letter is to inform CFPB that I have asked XXXX, XXXX and Transunion to remove all inaccurate and unverified information off on my consumer credit report. I have not been notified by any of the 3 credit reporting agencies of their intent to remedy this damaging description. It has been more than 30 days, I am requesting CFPB to investigate this gross error and demand correction for violating my rights under the FCRA. 

Each bureau was notified via letters on 3 separate attempts to correct this error, to no avail. The original letter is dated XX/XX/2021 ( please see attached documentation ). Thank you in advance for your assistance and I am looking forward to hearing from 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