BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My attorney, XXXX XXXX, XXXX. has offered Select Portfolio Servicing ( SPS ) a short payoff amount of {$1.00} XXXX of what is owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, SPS has not presented a payoff letter. The representatives have been hateful to Attorney Gross and her paralegals. SPS representatives are hanging up on her staff rather than giving Attorney Gross an answer on the status of a decision. Secondly, SPS has requested the same paperwork over and over again for a year. Usually after 90 days, SPS will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note that SPS is requesting the same documents I had already sent. Next, representatives have made such comments as " we will wait to you go into foreclosure because SPS will get more money. Next, I received a letter encouraging me to do a " short sale '' -- which means SPS would accept a substantially lower amount from a stranger than my {$1.00} XXXX offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-02-18
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX at XXXX I received a email from PayPal stating I can no longer use PayPal. Without any explanation of why and I have a balance on my PayPal account that I can not get access to. 
I have been a customer of PayPal for almost 3 years. I have never had a problem with my account. So for me to wake up to a limited account is very disturbing. My account has been limited due to suspicion.I have documents to show that its legit and funds sent to the PayPal owner is legal. My funds are now on hold.I am highly disappointed. I provided proof of payment and identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies Trans Union, XXXX, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.

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 2022-07-18
Company: Nelnet, Inc.
State: WI
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:
My serviced is Nelnet. They have told me that my account is past due, when logging on to their system, it says that my account is not due until XX/XX/XXXX. They said my IBR recertification has expired, but I have filled out 4 this year and have even use the IRS retrieval tool. I have certified that I dont need to file a tax return because I dont have taxable income. Im on a {$0.00} IBR payment schedule. When logging in, it says on my account that I am still in this program. I have also certified on student aid.gov and it says on there that Im not due for recertification until XX/XX/XXXX and that if I sent in another, it would not be verified. It says that Im current on the Nelnet online account as well, but they have reported me 90 days late on nine accounts to all three credit bureaus. I also am applying for PSLF loan forgiveness and IDR forgiveness because almost all of my loans are over 20 years old, and I was in different plans while in the military. I had applied for loan consolidation, but no one had any guidance or answers on how to deal with my situation, so the company told me to hold off on consolidating so that my loans would show how old they are. Ive waited and kept communicating trying to figure out what I should do, I have sent several emails to XXXX, Nelnet, and student aid.gov looking for guidance on how to deal with the situation. I understand that everyone is overwhelmed with the new rules, but reporting me late, when on their website it says I dont even have a payment due until XXXX is life ruining. It has dropped my credit XXXX points during a crucial time in my life while trying to refinance my home loan. I need this fixed ASAP. Im not late on my loan, and my payment would have been {$0.00} regardless, and Im also waiting for an answer on forgiveness in which I should not have to pay during that time according to the forms. Also, the system has informed me several times that interest and payment forbearance had been extended to XXXX as well. Im so confused and upset that they could do this and destroy my credit that I have spent the last 7 years building in order to get back on my feet. I am sending in another IBR application today via email and fax, but by all accounts, Im not due for it, or past due. Please help rectify the situation, and get them to remove this off my credit report, before they cause me to lose my house because I wont be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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 am a victim of ID Theft. I filed a fraud dispute with Chex Systems and they failed to verify the debt and/or provide documents used to verify the debt as allowed per FCRA. 

I filed the dispute online for fraud accounts listed with them and multiple inquires. I filed on fraud accounts listed with XXXX XXXX, and XXXX XXXX. They were sent police report and FTC reports. I contacted them via phone to about the disputed information. I was told that the documents needs to have a handwritten signature. FCRA does not require a FTC or police report to be handwritten or signed. The supervisor refused to remove the fraud account of XXXX XXXX and I was notified it was verified as " accurate ''. I contacted XXXX XXXX to get the documents used to verify the fraud and nothing was provided. I asked Chex Systems to provide me with the documents used to verify the debt and nothing was given and told Im not entitled to anything. That is there policy. 
They are in violation of the FCRA and I am seeking litigation against them and will seek all damages allowed by law. They need to remove the FRAUD ACCOUNT AND INQUIRIES that were disputed and send me an updated copy of my report. I was told if it was signed it would be removed immediately. I have the conversation recorded for legal purposes. 

Chex Systems is not following FCRA guidelines for disputes or providing documents as requested to show the reason why an account was verified. 

XXXX XXXX has no documents to show ownership. They have no copies of and ID or SS card. No signature on file, fraud address was used to open the account. Account closed checks from other parties were used in this account.

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 2019-11-26
Company: EQUIFAX, INC.
State: OH
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:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I recently initiated a bill pay transaction on my Chase checking account it was on XXXX XXXX on XXXX XXXX I realized instead of sending the payment to capital one I sent it to credit one my mistake however I called the bank on the XXXX to do a stop payment and they refused to do it when I call credit one they tell me to do a stop payment or dispute the charge with my bank so now my {$50.00} is in limbo and no one will help I dont quite understand why Chase is not doing this for me especially since I notified them rather quickly the credit one account is closed so its a problem I just want my {$50.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from XXXX Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
XXXX provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my Equifax credit report, XXXX is showing a open balance amount of {$41000.00}. Since XXXX merged with XXXX Bank and the last document I received was from XXXX I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that XXXX reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my Equifax account with no resolution from XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is two current issues with this Homepoint financial mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt. This is predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: TN
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:
On XXXX I mailed certified a dispute letter to Equifax. They received it on XXXX. To this day I have not received my investigation results. They have 30 to investigate my dispute. I called on XXXX and they stated they didnt start the dispute process. That is violation of fcra laws. I need for all accounts included in that dispute to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America closed my account and said they dint have to tell me I told them XXXX might have my info and be in my account they didnt care a guy pretended to be prosper market place and instead of a loan he got into XXXX account and stole my money 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 monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, 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 2022-07-19
Company: Duvera Billing Services, LLC
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: Information belongs to someone else

Complaint:
I have been a victim of ID theft. XXXX is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with XXXX and submitted ALL the requested documents for fraud. 
XXXX is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

XXXX failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against XXXX XXXX guidelines. 

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT XXXX and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. XXXX leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet XXXX failed to do so. XXXX has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should XXXX 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however XXXX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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 XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-09-05
Company: EQUIFAX, INC.
State: IL
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 just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: FL
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 I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and XXXX three credit reporting agencies have density delete this account : US DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XXXX, I went to Check-n-Go XXXX XXXX XXXX, XXXX, MI XXXX XXXX to get payday loan. After approval and all paperwork done, I was informed they had no cash and I had to receive my loan in their check or by XXXX prepaid card. Since a check is held for days at most banks and XXXX cards have transaction fees, I declined. Is this legal-for them to pay out this way? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and XXXX  three credit reporting agencies have density delete this account : US DEPT OF EDXXXX 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