BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   sold our  XXXX  mortgage account  to Select Portfolio Servicing , Inc.  of  XXXX   XXXX   XXXX , Utah. I had absolutely no desire to have this happe n. Select Portfolio Servicing , Inc. has an absolutely terrible reputation, as can be easily seen with a little investigation online. I am very concerned that they will have errors tha t will cause me to have bogus fees added, " forget '' to pay my taxes from escrow, fail to send my tax documentation, and otherwise make trouble.     I am complaining in advance so you know who I am referring to should I have trouble with this firm, which I expect will happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX. -- \ Good morning CFPB, Thank you for your support and patience. 

Wells Fargo, requested that we have a mediation session in XXXX with regard to a CHECKING ACCOUNT. that was fraudulently forced on me to open in conjunction with the fraudulent HELOC loan. 

To date they have been playing games around the mediation process for the HELOC loan and yet that the letter of XX/XX/2022 states that they would like to go to mediation, to resolve the issues. ( See attached ). The mediator was XXXX- XXXX XXXX XXXX XXXX XXXX who assure me that I may pursue mediation on the other HELOC loan issue, and XXXX XXXX from WF, XXXX, expressed their empathy and desire to assisting me to further my case. The process through WF has been met with willingness to assist and compensate me for their digressions. Please provide a process for me to present my case before a mediator with XXXX. 

The issue is that WF is using diversion tactics by using the CHECKING ACCOUNT as a closing issue when the real fraud is related to the HELOC.

Please request that WF investigate the HELOC. The fraudulent loan officer and the XXXX  XXXX builder that have all been sued. 

In summary let continue this process. WF asked to mediation for the HELOC loan. Let 's go to mediation. 

Wells Fargo does not meet the ethical standards of the CFPB and needs to be held to account. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They need to held responsible. 

Thank you, 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 2017-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In XX/XX/XXXXI had a dispute with XXXX XXXX XXXX XXXX about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually XXXX XXXX XXXX removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, XXXX IN XX/XX/XXXXsold it to PORTFOLIO RECOVERY ASSOCIATES whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XX/XX/XXXX. 
I have repeatedly advised PORTFOLIO RECOVERY ASSOCIATES that it is improper and illegal to state this to be a new derogatory default as of XX/XX/XXXX and it causing me a serious problem of turning down for essential items to be purchased, PORTFOLIO RECOVERY refused to remove this illegally and in bad faith showing derogatory item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjust, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the two alleged debt accounts and report them both to the credit bureaus. Also, there is inaccurate information being reported like no payment amounts, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: NE
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:
Hello, my name is XXXX XXXX and I have new and updated information about Equifax Information Services LLC. I have recently submitted a complaint about Equifax along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Equifax is still reporting inaccurate information. Please see the attached exhibit of " updated '' but nothing was updated. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Equifax/Equifax Information Services LLC electronically through the CFPB and no other form of written communication. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022 at XXXXXXXX XXXX  Please see attached green receipt as exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX OF XXXX Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/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 2021-08-29
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm unable to actually view the dates that these transactions were made because they blocked my access to my disputes on my account but it's several Transactions of {$5.00} and {$20.00} amounting to a few XXXX dollars of fraud. I've attempted to dispute this with my bank and as I said they blocked my access to the speech and actually claimed that their fraud prevention team suppoteam spoke with me during one of these transactions and approved them, thus denying my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB Management, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account. Also, there is inaccurate information being reported like no payment amounts, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: MI
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 XXXX Account # 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. it also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -TransUnion does not provide me the opportunity to " dispute online ''. 

OnXX/XX/XXXX I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- TransUnion does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XX/XX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.

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 2017-09-03
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency under the name " GoldKey Credit '' has reported a " past due '' debt of {$1300.00} on my credit report and is refusing to provide me with validation that I owe them this money. The account number on my report is # XXXX. I do not have any unpaid debts with this company as I have never done business with them. I mailed a request for verification on XXXX XXXX, XXXX and to this date, I have not received a detailed explanation explaining what this money is for. It is now XXXX XXXX, XXXX. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The Better Business Bureau currently has a 80 % negative review rating and XXXX has countless stories of being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Sezzle Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reached out to the company Sezzle, about an account that I never had. They never responded and it is lingering in my credit report. They are reporting inaccurate information and I need it removed effectively ASAP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from XXXX for an unspecified amount. I represented myself and indicated that not having signed any agreement with Crown Asset management LLC but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We signed up for a card that have a minimum spend in the first 150 days. We met that spend requirement and the bank has not provided the {$450.00} promotion as advertised.

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: 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:
Hi I am submitting this 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 XXXX 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2017-09-03
Company: EQUIFAX, 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 've had a few fraudulent accounts on my report since XXXX. At the time I was under the age of XXXX years old, basically a victim of identity theft. I 've been reporting these items on my report for the last year or two. My report contained an address I 've never resided they 've been reporting that address for 4+years. I 've been disputing the account since I turned XXXX. The two XXXX XXXX collection accounts do not belong to me, they were opened before I was of a legal age. The third account is a cellphone carrier XXXX, once again I was underage. So how are these accounts being opened when I was only XXXX years old??. Unless my info was being falsified. So now Equifax is keeping this account on my report even though it was fraudulent. XXXX  removed the account with little to no issue after I explained the situation. Someone falsified my information and used it to open these accounts. I 've been explaining to equifax but it still has n't been resolved. Im asking for contracts and or agreements bearing my signature to prove the validity of these two accounts, If there isnt these accounts should be removed. If not I 'm allowing my attorney to handle this, I 've already authorized my attorney to access my reports. I am not gon na keep allowing equifax to keep damaging my score by allowing 2 collection accounts to remain on my report that are a result of identity theft. I 've even received a statement from the Federal Reserve acknowledging there was indeed identity theft involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NC
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 # XXXX XXXX XXXX XXXX violated my rights on XXXX X XXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT 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 2018-03-29
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX   ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

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