BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an alert on XXXX/XXXX/XXXX that there were missed payments being reported to XXXX relative to SPS Mortgage loan. Please note, the account was incorrectly reported as 150 days late to XXXX as of XXXX. I submitted an online dispute through XXXX on XXXX/XXXX/XXXX as SPS took over servicing of the account effective XXXX/XXXX/XXXX ; therefore, account could not be 150 days reported late if they only serviced the account for 60 days. XXXX dispute results received today, XXXX/XXXX/XXXX and SPS did not update their reporting information to reflect the accurate number of late payments. 

Further the account was previously serviced by XXXX. XXXX XXXX already filed record of 60 and 90 days late through credit bureaus. SPS Servicing is double dipping on the late payments recorded I believe as a result of my separate complaint filed with CFPB for the intentional mishandling and delay of my loan modification. I am respectfully requesting they remove these incorrectly late payments and update to match the time they have serviced the account XXXX/XXXX/XXXX. If they had not mishandled and intentionally caused a delay in my file handling - I would not be going through this long standing impact to credit file. Please note my first loan with XXXX Mortgage was modified back in XXXX within 60 days based upon the same information submitted to XXXX and subsequently SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Venmo froze My account on XX/XX/2022. It is a business account and on Friday, XX/XX/2022 I had use my business account with several people sending me money for products from my business that included note stating what the product was for and it aligns with what my business is listed as on Venmo. The amount frozen is {$2300.00}. They did send me an email asking for my ID even though they already had my XXXX number. I went ahead and took a picture and uploaded it and emailed back. They said it would take 3 to 5 business days when the ID was received for them to look it over and sure that it was me and unfreeze my account. However it has been over seven business days I have called them every day they can not tell me how I have violated their terms. Ive asked for a specific rule that I violated and they just give me the senates we dont want to speculate on what you did. I have told them that I am a business I have a XXXX number. I have been in business for over 10 years I have a website and still they just kept repeating the same thing over and over again. Ive had two people tell me they escalated the problem and it should be done within a few hours and it still is not. They said the only way To speak to those representatives is via email but nobody responds to the emails that Ive sent daily. I have orders do that I can not fulfill Because of my account being frozen for no reason. As of right now Im still waiting on the money Im not sure I will ever see it. They also froze my personal account which has {$160.00}. My business account is fairly new within the last 6 months. However my personal account have been opened for a few years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: CCS Financial Services, Inc.
State: AL
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:
XXXX of XXXX, MA is violating my rights under 15 U.S.C. 1681 sections 602a and 604a section 2. By furnishing information on my credit report without written instructionm. I also have not and do not have any contracts or have done business with them ever in my life. They are also violating 15 U.S.C. 1692 by attempting to communicate with me. 
They've posted to my credit report without my permission and it's having an unlawful affect on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX XXXX when you went online banking a message came up that online banking will be closed until XXXX XXXX at XXXX XXXX since that day i have a few Business accounts with apple bank which i can not get login access and I 've been to the local branch like 10 times to get a date for getting access and i was told that  it takes max 2 weeks, the frustration not having access is unexplained in XXXX to wait for online access so long is unheard off, its close to 3 weeks now and still no date for getting access please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pressler and Pressler are suing me for a medical debt. I asked for debt validation they provided me with a statement with mine name and another indidual with the same last name. There is no patient identifier to link the amount to me. There is nothing from the XXXX XXXX stating I owe the balance claimed. This was an adjustment for being a provider. I am not responsible for this : XXXX XXXXXXXX XXXX paid the provider reasonable and customary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: AR
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:
EQUIFAX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been paying on our XXXX XXXX XXXX.since XXXX.. I couldn't understand.why our balance has not gone down in.the last 3.years that is because the XXXX we have paid had all went.to.the interest rate..i tried talking to.them.to get lower rate.or payments..something .they won't work.with us.. now I'm behind due to family deaths and financial difficulty and now they r threatening to repossess it.. even.tho I have tried to get them.to help.me.and they won't. they r crooks. santander consumer usa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2021-07-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

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 2017-06-27
Company: Navient Solutions, LLC.
State: NY
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:
I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to Navient during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to Navient ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. XXXX  gets away with XXXX and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. XXXX refuses to investigate again after they did one time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Dear Amex, Thank you for your reply. I feel your missing the main point here. My contention is that with adequate internal controls, a scam like this would not be possible. All credit card companies already have similar controls in place to protect against and combat regional charges that are impossible over a short time frame as well other anomalous account activity. 

Why can't American Express implement internal controls to prevent account holders from purchasing exorbanant amounts of gift cards over a short period of time when it's not even XXXX. Nobody, in good judgment, would buy {$5000.00} worth of gift cards even at XXXX, unless they were under duress and facing the undue influence of a scammer. 

Why can't American Express understand this concept and recognize the need for internal controls to address this? 

Sadly, as I've stated before, Senior Citizen cardholders are victims of this type of scam all the time and I feel American Express is not practicing the due diligence needed to protect these Seniors. 

I feel this is a complete failure of leadership at American Express to not address this matter with the proper internal controls. But I'm certain after enough people become victims and complain, American Express will eventually address this matter after losing enough customers and in turn enough money! What would share holders think about their investments in a house of cards? 

I feel this dire situation should be escalated top management. 

In the meantime, I am once again requesting that you implement a series of internal controls to protect American Express customers and I would like these charges that were predicated upon fraud written off from my account balance. I understand such an initiative would be very expensive for AMEX, and I would gratiously settle for these charges to be removed from my account balance. 

But make no mistake, I implore AMEX to do the right thing and protect it's customers with the above mentioned internal controls as I feel the way this has been handled thus far has been a cruel farce! 

Clearly Amex has a huge hole in the bucket which needs to be plugged! Please govern your company accordingly. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: TX
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:
These inquiries was delisted on my credit report after they were deleted. These inquiries are not mines. 


Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXXl Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from  XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Auto Dealer Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was fired from my job on XX/XX/2021 and didn't learn about mortgage forbearance because of the COVID " pandemic '' until the first part of XXXX. My mortgage was through XXXX but " serviced '' by Nationstar Mortgage. I started the forbearance that month but had already made the monthly payment for XXXX and as a result my loan was displayed online as $ XX amount. It was explained to me when I started the forbearance that I would have to pay the missing payments back - to which I replied " of course ''. If it had been TRUTHFULLY explained the interest of my loan would accrue daily while I wasn't making mortgage payments I wouldn't have started. We just closed on selling our house and the payoff amount was {$8000.00} more than what was ALWAYS displayed on my online account. I feel that this is a deceptive practice that is portrayed as helping but truthfully it just added more $ $ to my mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

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 2022-06-11
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:
In accordance with the Fair Credit Reporting Inquires XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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:
In accordance with the Fair Credit Reporting Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2017-10-18
Company: AES/PHEAA
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX of XXXX I called XXXX to make payments on four XXXX student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XXXX XXXX. I immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XXXX XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XXXX XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, XXXX closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In the attached letter sent XX/XX/XXXX certified mail to AllianceOne, I ask them on page four to not call me by phone and to communicate by USPS mail only. 

On XX/XX/XXXX, at XXXX XXXX XXXX Alliance one called after I revoked consent to be contacted by phone. This is a violation of the California Fair Debt Collections Practices Act ( RFDCPA ) I 'm requesting that this matter please be investigated. The calls are causing me a lot of stress! 

I 've attached a copy of a screenshot from my XXXX XXXX Phone Records.

Company response to consumer: Closed with explanation