BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
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:
THIS IS MY 20TH COMPLAINT AGAINST THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) THAT FAILED TO PROVIDE ITS STANDING PROVING THAT IT IS A LEGAL MORTGAGE SERVICER WITH A LETTER DIRECTLY FROM THE REMIC TRUST, IN SPITE OF ASKING SELECT PORTFOLIO SERVICING ( SPS ) PER RESPA. 

PREVIOUS MORTGAGE SERVICER XXXX NEVER ASSAULTED MY PERSONAL PRIVACY BY ACCESSING MY CREDIT REPORT AT ALL. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) ACCESSES MY CREDIT REPORT WITHOUT MY CONSENT EVERY MONTH CREATING 35 DROP OF MY CREDIT SCORE. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) VIOLATED LAWS, BUT NOT LIMITED TO FCRA AND PRIVACY LAWS. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) IS IN THE REAL BUSINESS OF FORECLOSING. 

CC. OFFICE OF CALIFORNIA ATTORNEY GENERAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I attempted to purchase tickets for a XXXX XXXX concert from a seller on XXXX. The seller sent me a screen shot of the tickets, which matched the description on XXXX and advised that he would transfer them to my XXXX account upon receipt of payment. I used XXXX, which is available within my USAA mobile banking app, to send {$180.00} to the seller 's email address : XXXX. The seller, with whom I was communicating solely via email through XXXX, then stated that he was was not seeing the payment and asked that I try again. I immediately became suspicious, sent him a screen shot of the transfer confirmation from my USAA app, and asked that the seller immediately transfer the tickets to my XXXX account. The seller stopped responding and I knew it was a scam. I promptly called USAA and asked that the transfer be reversed. A ticket was opened to investigate the disputed transfer, but I received an email on XX/XX/2019 stating : " Thank you for your patience while we investigated your Send Money transaction dispute below : Dispute date : XX/XX/2019 Disputed amount : {$180.00} Recipient 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$180.00} Confirmation number : XXXX We've completed our investigation and determined an error did not occur for the following reason : XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us at XXXX ( XXXX ), our mobile shortcut # XXXX or XXXX. We value your business and the opportunity to serve all your financial needs. '' Having now researched the matter further on my end, I understand that the major U.S. banks are all offering and promoting XXXX as a money transfer service, but are failing to provide any purchaser protection. As a result, XXXX has become inundated with scammers and fraudsters. The banks must know this and are failing to protect their customers. I find this unacceptable and ask that the CFPB investigate the matter and take action. There are a number of ways the banks can protect purchasers who use XXXX, including not releasing funds to the recipient until confirmation that goods/services were delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.

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 2022-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt is already being paid directly to XXXX. As Agreed. This needs to be removed from my credit reports ASAP. I have never been contacted or spoken to Wakefield and Associates. XXXX has been sending my bill to an incorrect ( old ) address. i finally received a bill as it was dropped off to me. i do not owe wakefield and XXXX a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is using the term investigate but fail to provide their procedures of investigation. You clearly stated that you open up a dispute and give the reporter/creditor a chance to respond with the same information that was submitted initially to put the debt on my credit is NOT an investigation. I requested and affidavit by a representative of the court, for you TRANSUNION to provide the investigation report that was used to validate the debt that is staying on the credit report since you are the liable reporter/gatekeeper. Again, please state what information is requested from the creditor to validate the debt for you to classify and use the word investigation. Do we need to handle this in XXXX court?

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 2022-04-01
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: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.

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 2021-11-09
Company: EQUIFAX, INC.
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:
Equifax Credit Bureau, I submitted a dispute because there is a collection account on my credit file - XXXX XXXX XXXX account number XXXX does not belong to me and the response I received was that it was verified although I told them in the dispute report that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Bread Financial Holdings, 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:
Comenity Bank/Victoria 's Secret account was paid but is showing on the credit report that it is a unpaid collection/charge off on all three credit bureaus. It also reports conflicting information for the date opened and date last reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CL Holdings LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter about a debt that I owed in XX/XX/2008 in the amount of {$280.00}. This debt has been satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Mercedes Benz Financial Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: MIDFIRST BANK
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: Account information incorrect

Complaint:
After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by XXXX mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that XXXX had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.

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 2022-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a notice from my lender, XXXX, requiring that I secure flood insurance within 45 days or flood insurance would be force placed onto my account. The date of that letter was XX/XX/XXXX. I contacted my insurance agency, XXXX XXXX, immediately. After receiving some quotes I purchased a flood insurance policy with an effective date of XX/XX/XXXX. 

Fast forward to XX/XX/XXXX : I noticed my statement had a mortgage payment of {$2000.00}, instead of the usual {$1200.00}. I contacted XXXX on XX/XX/XXXX and they informed me that I've been force placed on flood insurance and the difference reflects the deficit in my escrow account. They gave me an email address ( XXXX ) and told me to email the declarations page of my insurance policy. After getting off the phone with XXXX, I immediately emailed the declarations page to them, as well as an email to XXXX XXXX agency alerting them of what's happened. I was told by XXXX that I'd need to wait about a week before calling again so they could request an escrow analysis & my payment could go back to normal. I called XXXX on XX/XX/XXXX at XXXX and spoke to someone who told me that he could see the documents and he would submit for an escrow analysis to be done prior to the XX/XX/XXXX payment date. I'm a new mother and an {$800.00} difference in my mortgage payment is significant. I called XXXX again today, XX/XX/XXXX, at XXXX and spoke with XXXX who told me that yes she could see the request for an escrow analysis put in on XX/XX/XXXX, but that it was denied on XX/XX/XXXX because " it's scheduled to be done in XXXX. '' I asked to speak with a supervisor, so XXXX connected me with XXXX, who also told me that there's nothing I can do because an escrow is not scheduled to take place until XX/XX/XXXX. XXXX told me that I just need to pay the {$2000.00} for both XXXX and XXXX because they won't do the analysis. It is my belief that XXXX has the ability to run an escrow analysis to correct my mortgage payment and have it accurately reflect the refund of the force placed flood insurance policy but they refuse to because it is easier for them to collect an additional {$800.00} per month, for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
this link shows the details ( XX/XX/2021 ) : XXXX Ether : https : XXXX I had a transaction that failed but I still had my money removed from my wallet and never refunded, was looking to get that back please. I reached out the COINBASE but they said I need to talk with UNISWAP, getting the runaround ... XXXX doesn't answer e-mails, COINBASE just points the finger to someone else. .04 Ether was removed from my COINBASE wallet but the " trade '' was never completed yet my money was removed. can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX  : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

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 2020-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attached are the accounts that you verified that I owe. I have been asking for a contract with your company bearing my signature. Or a contract with the original creditor bearing my signature. As I have told the original creditors that I am a victim of identity theft as I will also attached a police report. As you are reporting it as bad debt on all the credit bureaus. I want you to furnish a contract bearing my signature or receipt that I have used the card or the accounts that you said is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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