BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.

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 2021-04-11
Company: Experian Information Solutions Inc.
State: GA
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 sent in several letters to XXXX, XXXX, experian and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.

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 2018-06-05
Company: Nelnet, Inc.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Nelnet Refuses To Mail Me A Paid In Full Letter After I Paid The Private For Profit School Student Loan Scam Off On XX/XX/2018.I Have Called Several Times And Every Time They Give Me A Different Answer, Thirty Days, Fourty-Five Days Etc.They Have Their Scammed Money, Why Can't I Have My Paid In Full Letter? After Trying To File A Complaint With Four Different People All Calls To CFPB To File A Complaint Fell On Extremely Rude Ears Refusing To File My Complaint Over The Phone.I Don't Understand The Reason For The Runaround From CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt XXXX, trans union and XXXX   report whatever the Credit  card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.

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 2017-12-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX our family was relocated to XXXX for my husband new job. During this period we was already beware a loan modification process of our house in Puerto Rico with XXXX XX/XX/XXXX. On XX/XX/XXXX SPS the organization that XXXX XXXX  use to manage their mortgage accounts finally approved our loan modification. We signed it on XX/XX/XXXX. On XX/XX/XXXX our realtor recommend us the short sale option to sale our house because Puerto Ric 's economy situation was too unstable and this option give us a better opportunity to sale. The agent also told us about a client who was interesting in the property. Immediately we call to SPS to expose our opportunity to sell with a pre-approved loan of our recommended agent 's client. SPS told us that to use this method our loan need to be late on payments. They also told us that they can consider the proposal and that during the proposal examination process ( 90 days ), we do not have to make payments. After that they accept the short sale proposal examination process, but they also delete our loan modification unilaterally, even when this was already done. This first short sale process never finish because SPS was very slow in the entire application review ( almost 4 month ) and our client just denied. After the process with our first client we start over again to make payments as they told us, in XX/XX/XXXX and for a regular quantity, {$1100.00}, without modification plan payment as SPS tell us. In XX/XX/XXXX another client was presented to the SPS with a new proposal. SPS accept the analysis to this new proposal and told us about the new 90 days period, stopping our payments during this period again. After almost four month, during the first week of XX/XX/XXXX, SPS sent a letter rejecting the proposal again without any explanation. They just said that the lender did n't accept the quantity and never told us who is the lender of the mortgage. So until today we did n't know who is the investor of our mortgage and what they expect as a reasonable price for the properties. The quantity submitted in the proposal was the recommendation of the realtor using the sold properties around our community.The same client that is very interesting in the property and have a approved loan increase the quantity of the proposal and the realtor decrease her commission and in XX/XX/XXXX their new proposal was send to SPS again. XXXX  this organization until today XX/XX/XXXX did  n't give us a respond and our client is getting tired to wait again. SPS even when stop our payments during their Short Sale verification processes report " our delay '', to the credit bureau. Please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, Chase Bank called me about deposits made to my checking account. One deposit from a friend was rejected because his name is not on my account. I didn't know if someone sends a monetary gift & their is not on my account Chase rejects it. The other 2 deposits to my account were credited but after the one amount was rejected, Chase decided they needed to investigate where I get my money from. They never informed me what the problem was until I made several phone calls to different departments in Chase. I was finally told what the amounts were that were in question. I was able to prove that one deposit was sent to my Chase account from my XXXX account which has my name on it. The 2nd amount was sent to me by my son and his name is on the XXXX account and my Chase account. My son & I had to go to a Chase branch to prove these accounts were ours. I also had my social security XXXX check deposited in to my Chase account. Because the Chase representative that called me XX/XX/2019 obviously go upset, she restricted my account and then eventually closed the account because she was mad. My account shouldn't have been closed because the representative felt like closing it for no reason. as a result, my SSD check went to the closed account and now I have to wait 10-15 days before I get my check. I asked the Chase executive office to listen to the phone call made to me on XX/XX/2019 and that representative should be reprimanded for closing my account because she was angry and felt like making me suffer. Chase finally mailed my money in the closed account but I don't have my XXXX check. Because I didn't have access to my money I wasn't able t get my medication, go to the doctor or buy food. I'm a XXXX year old female, XXXX   and I had to go to the ER to get medication because I didn't have any medicine or money to get my medicine because Chase held my money. I have never been so humiliated, insulted, hurt and embarrassed as I was because of the way I was cheated by Chase unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
IVE BEEN A VICTIM OF IDENTITY THEFT, THIS DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XX/XX/2017, my lockbox was stolen allowing someone access to my home. Credit cards were stolen and some cash. Apparently, other items were stolen that I wasn't even aware of. Whoever stole my credit card hacked the online account and I never received statements notifying me that payments were due. I was informed of late payments in XX/XX/2017 and disputed the charges then with XXXX XXXX XXXX XXXX. I went through their process and have been going through their process ever since. The company continues to notify me that I am responsible for the charges yet have never provided any investigation notes etc. I think it's unfair that I should be held responsible for the charges of now more than {$5000.00} that I did not create. I even tried to have the XXXX investigate and XXXX refused due to their policies. I am uncertain where to turn for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
AMEXPRESS took out money from my XXXX debit card twice for XXXX on the same day the XX/XX/XXXX or the XX/XX/XXXX and I called them and asked them why they went into my account and return my money that they claim XXXX supposedly took out, I immediately called XXXX and XXXX immediately gave me my money back XXXX XXXX and XXXX are two separate companies XXXX   have nothing to do with XXXX return of my money back to my account. My account was closed when XXXX returned my refund of XXXX DOLLARS. I asked AMEXPRESS would they mail me my money they sid they would and never did.

I asked them to put my money on my Blue Bird account and they said they could not. I no longer have neither a Serve or BlueBird account I closed them both. I just can not believe AMEXPRESS stole and took my XXXX dollars and lying saying they gave me my money and trying to pretend the XXXX was returned by them when XXXX put that XXXX cents in my account and lied and said, XXXX took out money for their services. XXXX gave me my entire XXXX dollars  back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: States Recovery Systems, Inc.
State: MI
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 was contacted by States Recovery System for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by States Recovery System is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with several Transunion representatives explaining that the inquiries that are listed are a result of my car being broken into & my information was stolen. I have attached the ID theft report they requested to have these removed.

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 2019-09-18
Company: TRIDENT MORTGAGE COMPANY, LP
State: PA
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 submitted a mortgage application with Trident Mortgage, My credit report was supposed to be access one time. I received an alert with the three credit bureaus stating that my credit report was pulled on XX/XX/XXXX and XX/XX/XXXX from the same company. I verified with XXXX XXXX that Trident Mortgage requested my credit report two time. I was told that the company can only pull a credit report every 30 days. By Trident Mortgage doing this transaction has lower my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: MI
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 CONTACTED XXXX AND MADE A PAYMENT AGREEMENT ON XX/XX/XXXX. I SPOKE WITH A YOUNG LADY BY THE NAME OF XXXX AND SHE STATED THAT BY ME ENTERING INTO AN AGREEMENT THAT COLLECTION WOULD STOP AND THAT NO NEGATIVE INFO WOULD BE REPORTED TO THE CREDIT BUREAU. ON XX/XX/XXXX, THE DAY OF OF MY FIRST PAYMENT, I RECEIVED AN ALERT THAT NEGATIVE INFORMATION WAS ADDED AND IT WAS REPORTED THAT MY ACCOUNT WAS 30 DAYS PLUS LATE. I WAS TOLD THIS WOULD NOT HAPPEN AND IT DID.

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 2017-08-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having problems with my mortgage company, bank is holding my insurance check to get my house fixed. I do understand that it is rules you need to go by. But this bank is giving excuses one right after the other. After giving them all the information they still want approve me getting my from escrow to repair my house.

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 2019-04-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan that is serviced by Ditech Financial. They have been ripping me off for months through an illegal " escrow account '' and will not respond to my multiple emails about the issue. They are applying {$88.00} of my monthly payment ( starting in XX/XX/XXXX  ) each month to an " escrow account '' for " earthquake/A, '' whatever that is. I did not initiate an escrow account with my mortgage for taxes or anything else, nor have I ever requested or authorized one. Nor is there any legal basis for them to initiate one unilaterally. Our taxes are paid, our private homeowners insurance policy has always been in place. 
I recently spoke to Ditech 's own insurance services group and they confirmed there was NEVER A LENDER PLACED POLICY ON MY LOAN. They had no information about my escrow account and directed me back to general customer services. 

It's near impossible to get their customer service people to answer the phone. When I have gotten through, on XX/XX/XXXX, I was told they would open an escrow account review and it would be done in 30 days. That I would receive a copy of the review. I never got any response, despite multiple follow-up emails via their website. It's now XX/XX/XXXX. When I call the other customer service people told me they have no information, they can't contact their own escrow department, I just have to wait, etc. When I ask to speak to a manager I'm put on hold for over 45 minutes only to finally give up. 

If you look at the customer reviews of this company on the consumer affairs website it's clear this company is ripping people off all over the country through their unethical and illegal accounting practices. Some have lost their homes. It's a complete disgrace. Someone needs to do something about this and hold the people running this company accountable. Individual mortgage holders don't have the resources. 

XXXX XXXX, XXXX XXXX CA I can be reached at XXXX XXXX. XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We started in XX/XX/XXXX applying to BB & T for construction loan. With no debt and adequate income it took 4 months to get approved. The funds disbursement agent was only available by email. If I asked more than one question, only the most brief answers to one of the questions. Yet 3/4 of each email contained all the days she would be out of the office and if she was going to be there - the hours of that day she would be available ... 

When we were finished building in XXXX XXXX, the final draw was issued. Our file was supposedly closed and sent somewhere from the construction dept. Four months went by and I couldn't get a closing date scheduled. I called many times and got a big runaround. I was being charged each month for interest only, which grew significantly due to all funds being disbursed. Every month I was charged {$53.00} for flood insurance. This was to be put in escrow. 

Our portfolio is also with BB & T wealth department. I initiated a request to liquidate the portion necessary to pay off the loan. When the wealth department heard this, a closing happened in 2 days! 

My complaint now is that after paying flood insurance for 2 years, my flood insurance expired!! I was never informed about needing an elevation certificate, although we had one ( pre-final ). So I ordered that and had it sent to BB & T. The insurance agent said she forwarded the renewal and payment requirement 3 times! No payment has ever been made by the bank!! I paid it myself this morning and I will be sending an immediate request for refunding all the excess I've paid over the last 2 years! This has been a nightmare with BB & T since the first day.

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 2018-12-05
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:
Transunion reporting credit report incorrect XXXX, false, wrong in 2014 i placed a fraud alert someone was using my information to get credit .today a copy of Transunion credit report enclose shows misleading information and violation under FCRA , FDCPA rules. Transunion is the only company still trying to report this case. 8 months of dispute they still do not report in dispute, date of last payment, claims sold in collection but name not listed, XXXX XXXX XXXX XXXX  XXXX, Section XXXX also FCRA 623 and FDCPA 806 { b } states that the creditor must enter a notice of dispute { no Stated } if this is not entered the account can not report on the account, XXXX   XXXX sect XXXX states you can not report a 3rd party collection legally regardless if the account was sold to, given, traded, anything it is against the law to report it there is an investigation FTC on DSRM this case is against you transunion

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