BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MD
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-09-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/2023 XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have XXXX credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. 
Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since PayPal is completely incompetent and has refused to do their job. My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, 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 2023-02-15
Company: ENOVA INTERNATIONAL, 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 status incorrect

Complaint:
Late payment reported for XXXX XXXX  when account was put on payment plan in XXXX XXXX XXXX. Account is current and paid satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the unauthorized inquiries in 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 2020-07-31
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:
There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXXthe address they listed is a public college dormitory that belonged to Georgia XXXX XXXX and was sold to Georgia XXXX XXXX at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
changes banks through chase amazon card, autopay setup after change, but chase processed payment with old account twice, didnt realize they '' re mistake until XXXX XXXX XXXX score change, chase failure on they '' re part didnt make me aware until after they reported it to reporting agencies, paid the {$20.00} and closed account, filed a dispute with both XXXX and XXXX, and insult to injury chase sents me credit journey report and lowers credit score. its they '' re failure to process autopay not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX APTE XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX AV XXXX, GA XXXX ; XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-10
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
State has submitted wire funds transfer to the bank on XXXX and approved on XX/XX/XXXX with bank transaction XXXX and then for XXXX payment on XX/XX/XXXX and received on XX/XX/XXXX with bank transaction XXXX and process to applying payment to my XXXX XXXX XXXX  account has been extremely slow, in which, it has made my account delinquent, and the mortgage company has reported the late payment to the credit bureau as a past due payment, which is not my fault and has now affected my credit. I have not seen any resolution from XXXX XXXX and I keep being informed that it will be escalated because they do not have any information on these payments, but when I checked with the state, I was informed that it was submitted to Dovenmuehle mortgage in Texas. Both payments for XXXX and XXXX are still not applied to my account and not being deposited to my account on time. I have been stressed and frustrated with not funds being posted in my account when these issues have never occurred in the past. I am concerned that when XXXX payment is sent that I will have the same issue. I have been getting runarounds from XXXX XXXX when I speak to the Loss mitigation department that they do not know where the payment is and stating that it was received, but they are not applying the funds to my account. My account online has been blocked from making any additional payments because I depend on the amount that state has been depositing of {$1600.00} to be applied so I can pay the additional amount and be current with my mortgage. I have never been late on my mortgage payment, and this is affecting me mentally. I have not received any callback as I requested each representative to do with an update and response of what is happening with these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want the extortionists to pay {$250000.00} payoff expiring on XX/XX/2019 from {$620000.00} payments to principal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/2023 request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses and phone numbers that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. I have one name : XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX does not belong to me. I have one address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and one phone number XXXX. The other numbers are inaccurate. I never worked for XXXX. Please remove XXXX XXXX XXXX from my credit report this is outdated information and inaccurate. I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. Transunion is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file.

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 2023-01-18
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF 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 2023-08-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX a spoofed call from td bank contacted me acting as a fraud agent on behalf of td bank. They told me my acct was hacked and I needed to open all new accts. I did so bc who was I to question a call from my back. Why would I think it was fraud? I walked the thief through in setting up a zell transaction which allowed him to rob me of XXXX. Td bank fraud dept. will not reimburse the acct saying they can not prove I didn't take the funds out and rob myself and file a claim. 
I filed and official police report and provided all required documentation and they denied my claim 4 times. I have not yet received notice since I filed the police report on XX/XX/XXXX. It's a criminal offense to file a false police report so they are citing me as a criminal. I want my name cleared and I want the money returned. TD bank is aware of this scam and have done noting to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Complaint Against Select Portfolio Servicing , Inc. for Incorrect Tax Payment and Non-Refund of Overpaid Amount. 

I am writing to file a formal complaint against Select Portfolio Servicing, Inc. regarding an incorrect tax payment made from my loan escrow account and the subsequent failure to refund the overpaid amount, resulting in a significant increase in my monthly loan payments. 

On XX/XX/XXXX, Select Portfolio Servicing, Inc. erroneously disbursed {$45000.00} from my loan escrow account for a tax payment. This incorrect payment led to an increase in my monthly loan payment from {$11000.00} to {$22000.00}. Despite numerous attempts to resolve this issue through calls, emails, and mailed communications throughout the past year, the company has failed to refund the full amount to my escrow account. 

Furthermore, I received a Dispute Resolution Letter from Select Portfolio Servicing , Inc. on XX/XX/XXXX. The letter inaccurately stated that the tax disbursements were in accordance with information from the county website. However, there is no document supporting the payment of {$45000.00} made on XX/XX/XXXX. 

The letter also mentioned an adjustment of {$11000.00} has moved to this loan, but this adjustment was not reflected in the accompanying escrow disbursement history. 

Additionally, the Annual Escrow Account Disclosure Statement I received on XX/XX/XXXX, from Select Portfolio Servicing , Inc. shows an estimated disbursement of {$47000.00} for city tax, which is disproportionately high compared to taxes for my other XXXX properties. This suggests that Select Portfolio Servicing , Inc. has not acknowledged their error and may repeat the same mistake in future payments. 

This situation has caused me significant financial strain and distress. I request your urgent intervention to resolve this matter. I am seeking a full refund of the overpaid amount to my escrow account, an adjustment to my monthly payments to the correct amount, and a thorough investigation into the practices of Select Portfolio Servicing , Inc .

Company response to consumer: In progress
Consumer complaint received 2023-05-13
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt isnt mine. I've never been to New York. Ive never had XXXX and never owned an ipad. 

Identity Theft AMSHER COLLECTION SERV Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was supposed to receive a wire transfer from a customer. The customer sent a wire transfer from their bank in XXXX on XX/XX/2023 in the amount of {$1200.00} USD that was to be delivered to my business account in the United States. They forwarded the transaction reference number to me and asked me to confirm with them when the money was received. I have not received the money in my business account. I have been to my bank two times to ask them to help me locate the funds. All they show is nothing has been delivered and nothing was declined. Bank of America has not tried to forward the money to my account. Today is XX/XX/2023 and I still have not received the money in my account. The money that was sent from XXXX used Bank of America to forward the funds to my bank however, Bank of America did not forward the funds to my bank. I do not have an account with Bank of America and so I can not speak with a live person when I call their numbers listed for contacting them for help.

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 2023-10-16
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had been using Venmo for several months and then all of the sudden, my account was frozen. Evidently someone else had been using my Venmo account, but Venmo never told me. I have requested repeatedly that they close my account. I want it closed. They won't close it. I don't know how to get them to close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: OH
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 confidentially under 15 U.S.C 1681 ( 1 ) XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation