BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX my husband did a loan with XXXX XXXX who was bought out by XXXX than SPS Servicing. We paid faithfully every month for 15 years. Then we received notice that my husbands loan was a XXXX loan and it matured in XX/XX/XXXX. And that we originally took out for XXXX but in the end we owe XXXX. I asked how can that be so none of the payment went towards the loan? They added on fees, for what I don't know, one person told me from transferring from one company to the next I said so none of MY PAYMENTS WENT TO THER LOAN????. So I said for 15 years payments not one penny went to the loan?????? Hard to believe. I've asked for copies of every payment, can't get that because its 15 years old and the first company is out of business. I found out that XXXX out of the XXXX payment was going towards the loan. So if that is true that would be that I at least paid XXXX of this loan off????? They are stating that we owe the whole amount of XXXX. I paid XXXX already to see if they would settle for that and they said no your house is going for short sale or foreclosure. So my husband went into his XXXX k and took XXXX out to pay them to save our house. I tried for a year to do a modification with them as I sent in paperwork after paperwork after paperwork and I have it all and after a year they denied us. One person there told us that they are hurting that they want to take peoples home like mine and make money off of it. Also they told us because we are NOT behind on mortgage they would not help us. I said isn't that good, you don't want people behind. I need help as something is not adding up here. There website said they are here to help people save there home. Well they sent me papers and want me to do a short sale or foreclosure .... Now are they helping at all and I want to know why didn ; t any of my money go towards the loan... It had to. Please help so others do don ; t have to go through the worry of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I satisfied my mortgage on lots numbers XXXX and XXXX in XXXX 2012. I received my property tax bills every quarter and always paid on time. Last week I received a Summons and Complaint from XXXX XXXX XXXX   XXXX stating that there is a tax lien on lot XXXX and will begin foreclosure proceedings. I was absolutely shocked not knowing why this occurred since I always paid my taxes. I called Citimortgage and was told that in 2012 a satisfaction of mortgage was sent to the XXXX Register 's Office for lot XXXX but not for lot XXXX which is a smaller lot. I never received any notification of an issue with lot XXXX either by mail or phone-my first notification was a Summons and Complaint and a Tax Lien!!!. I spoke with the Attorney representing the bank and paid off the tax lien immediately so as not to have any FURTHER PROBLEMS.I now am requesting the satisfaction of mortgage document on lot XXXX from Citimortgage as well as compensation to the tax penalties and legal fees

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 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Tried submitting a dispute online with Trans Union but the online system wo n't complete the dispute. Trans Union deleted XXXX hard credit inquiries and then put them back on a month later causing a major raise and then lowering of my credit score with Trans Union.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX XXXXXXXX XXXX. I received my PPP loan from SBA, the next day at XXXX XX/XX/XXXX someone changed my phone number and email in cash app. I seen that someone changed it and you immediately went to customer service and talk to cash app. The lady from guys you have asked me if I wanted my account reset I said yes proceed and reset my account so no one can get in it well the very next day at XXXXXXXX XXXX. in the morning someone stole over {$12000.00} out of my cash app account from my ppp they did not reset my account and someone was able to go in it. That was the XXXX of XXXX when I called in and explained everything to cash app now on the XXXX I got a response that I lost because I knew the person first of all I don't know these people second of all they have a foreign names I can't even pronounce so I don't know them and {$12000.00} was stolen from me and cash that refuses to help me or give it back they just say that I knew them to close however you will see that I did my due diligence I called in warned them this one was trying to get in it when I seen it I even spoke to a supervisor on the XXXX of XXXX he stated to me out of his mouth on recording cuz everything is recorded that they drop the ball the account was not reset correctly and that's how they were able to get in it. So the supervisor said they dropped the ball they still refuse to give me my money over {$12000.00} and told me I lost you will see in all of our text messages between me and cash app where they drop the ball not in me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
They blocked my dispute I complained and they said to bad not doing anything I attached my proof they requested new lease, transfer order of electricity and cable I sent it the responded they will not use this information to investigate but it was information Experian requested specifically. They blocked me from the XXXX mail my online account and phone calls I cont have any contact with the company after complaining

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 2019-03-12
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My issue with XXXX XXXX is with obtaining the qualifying payments that I have made as it relates to my PSLF  approval. I was approved for the PSLF program in XX/XX/XXXX and received aa welcome email from XXXX XXXX  advising me of the PSLF approval and that my loans would be transferred and serviced by XXXX XXXX. 

After 4 months of payments I noticed that on my statements and my online profile, there were no qualifying payments listed for me on my account. I sent an email on XX/XX/XXXX and received a reply advising that they would be updating the profile with the qualifying payments. 

On XX/XX/XXXX, I sent another request advising that the payments had not been posted and received a reply email advising that they would soon update the account to include the qualifying payments. 

On XX/XX/XXXX, I sent another email request to advise that no qualifying payments had been updated on my account. I had not received a reply to this email and have waited month after month for the account to be updated with no avail. 

This week I plan to forward my annual application so that my employment at a non-profit can be verified. Please advise on what my next steps should be and if I can receive some assistance in having the account updated to reflect the qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I disputed a transaction for a total of {$56.00}. The financial institutions opened the case : Claim ID : XXXX and submitted it to the merchant. On XX/XX/2022, I received a letter from the financial institution stating the transaction was VALID, and I accepted the merchant 's Terms and conditions. On XX/XX/2022, I tried to re-dispute the trade mentioned above, but the credit card company denied proceeding. However, I did not receive the merchandise was not and/or received it very late. Furthermore, I do not accept the Merchant Terms & Conditions agreement. 

Additionally, the financial institutions are not following the XXXX XXXX and XXXX XXXX XXXX XXXX. 

Moreover, the financial institutions were violating the 1005.11 ( c ) ) ii ) Act because they failed to provide to the customer the provision credit as required by law. 

1005.11 ( c ) ) ii ) Act ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-08-10
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a hard inquiry on my account that is not mine. XXXX XXXX XXXX has acknowledged that the account was not mine and they removed the account from my credit report, however Transunion will not remove the inquiry that goes along with the account that has been removed. I called and spoke with a supervisor who told me that the inquiry was correct, even though I have a letter from XXXX Bank stating that the account is not mine and that they have removed the account from my credit report. I have attached the letter for proof. I want this hard inquiry removed from my credit report.

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 2022-07-14
Company: TekCollect 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: Account information incorrect

Complaint:
TEK 's response to my original CFPB complaint is inaccurate. 

Company 's Response In a call on XX/XX/XXXX, the consumer disputed the debt. the allegation was that the property at the address for the services, was sold in XX/XX/XXXX and he was not responsible as the proceeded the sale. No offer of payment was made. On XX/XX/XXXX, TekCollect sent validation of the debt to the consumer. It is attached. The validation shows that the charges involved precede the sale and are the responsibility of the consumer. No one at Tekcollect has told the consumer otherwise or that the debt is uncollectible. If the consumer wishes to pay this debt, he may do so by calling our toll-free number ( XXXX ) XXXX, extension XXXX and speak with our XXXX XXXX XXXX XXXX XXXX XXXX 's email address is XXXX. XXXX XXXX phone XXXX XXXX email XXXX After I received this reply ( above ) from TEK from my previous CFPB complaint I contacted Tek Collect based on the instructions that were left with their company response on the Consumer Financial Protection Bureau. The number that was listed to call to pay the debt was ( XXXX ) XXXX and the company that picked up the call was a company called XXXX XXXX and NOT Tek Collect. I asked the operator if the extension ( as indicated on the company response XXXX ) for XXXX XXXX was there and they told me that the number was incorrect and the person did not exist in their company. 

I then called XXXX XXXX that was indicated on the letter ( XXXX XXXX ) and it seemed to have gone to his cellphone or a personal phone if some kind as there was no recording indicating that the phone call was being recorded etc. He then proceeded to tell me that the debt was already paid in XXXX and that the payment was fulfilled. But when I asked him why the debt was still showing on my credit report he said that it didnt make sense and he has no idea why. I then proceeded to ask him if the debt has already been fulfilled if they could remove it from my credit report to which he said he will remove it immediately. There was no confirmation number or any reference given to me indicating that this was done. Hence I am writing to you letting you know about the exchange and my attempt to have this resolved in a timely fashion. Unfortunately, Tek Collect doesnt seem to make paying the debt ( even if it is inaccurate and false ) easier for the consumer. Their process seems to be meandering and very difficult to navigate for the average consumer who is trying to settle a clear violation of their consumer rights. If this is not resolved with this second attempt, I will be hiring a FCRA lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: OR
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 pulled my credit report onXX/XX/XXXX and found one incorrect item from Experian. A utility company in Texas sent a $XXXX debt to collections for a bill fromXX/XX/XXXX. I have lived and worked in Oregon since XX/XX/XXXX. I disputed the item on XX/XX/XXXX and this morning (XX/XX/XXXX) received a notification that the dispute was closed and the item would remain on my credit report. I never had the opportunity to upload documents or was even asked for my evidence. I called again to re-dispute the incorrect credit information on my lunch. I was told I could upload documents to show that I did not live in Texas. Things like a bank statement or pay stub for working in Oregon. Before I even got home (4 hours), it was closed again. I am frustrated. I should have the chance to submit my evidence. This is some sort of mistake and they aren't even evaluating my evidence or giving me the chance to submit it.Experian needs to let me submit my evidence. I am being proactive about my credit. Quit giving me the run around. What use is a dispute process if you don't accept evidence???

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
please check the following accounts that were reported on my credit report without any authorization, they do not belong to me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation