BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and there is no third party involved. Experian Informations Solutions Inc. has inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.

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 2016-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Equifax company has information that my accounts were included in a bankruptcy, but they refuse to take it off or have the creditors put that information in. Also, Equifax keep hanging up on me and wont listen to what I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
IMPROPER USE OF CREDIT REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-05-13
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:
IMPROPER USE OF CREDIT REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-12-29
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
Hello, I am writing about the alleged bankruptcy ( XXXX, XXXX, Equifax ) is reporting. I have sent over 6 rounds of letters asking for the proper verification but they have ignored my request. Isnt it illegal to ignore a consumer request under ( insert law ). 
I have been more than patient I need resolutions now as this is tarnishing my credit score I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this? court name is not accurate - each bureau must report the actual name of the court. I DEMAND TO KNOW WHERE YOU GOT THIS INFORMATION FROM THE COURT HOUSE DOES NOT SUPPLY THIS INFORMATION SO TELL ME WHO REPORTED THIS IF YOU CAN NOT PLEASE DELETEThis agency is in violation of 15 U.S.C. 1692g. The creditor ignored the request to verify this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XXXX- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with XXXX   rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was divorced in XX/XX/2013 and went to living on a single income where I could not afford my student loan payments. I went through deferments because I was not allowed the income based repayment plan. I contacted Navient more times than I can count to try and figure some sort of repayment plan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America have managed several home loan products on my behalf since XX/XX/XXXX. I purchased a XXXX bedroom home in XX/XX/XXXX ( XXXX XXXX ), Bank of America purchased the loan in XX/XX/XXXX. I took out a home equity loan in XX/XX/XXXX from Bank of America, at this time I opt out of having my taxes included in the loan, and paid my property taxes myself. In XXXX XXXX, Bank of America requested that I provide them written proof that I had been paying my taxes and or proof of a payment plan or payment arrangements made with the taxing authorities in XXXX County PA. I sent them the requested documentation they needed but they decided to pay my property taxes up until XX/XX/XXXX ( {$3300.00} ), then forced an escrow on too the account. My monthly mortgage payments have gone up from {$470.00}, a month to {$700.00}, a month. I requested a home re-modification or apply for the HARP Program. My total families income versus the household expenses would make paying the increase a financial burden. Bank of America have denied my home re-modification application. I, as a consumer, have done everything that Bank of America have requested from me. I would like to remain in my current home that I have made monthly payments of {$470.00} and have never been late on this mortgage payment.

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 2015-07-31
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We can not get a payoff statement from Seterus. In the middle of closing our original lender sold our mortgage. Seterus ( with both myself and the attorney on the line ) admitted they should have sent us a welcome packet but they could not confirm they sent a welcome package. We never received a welcome package and had no knowledge the mortgage was owned by Seterus until XXXX XXXX. The closing was set for XXXX XXXX. On XXXX XXXX with the buyers attorney on the phone with me we requested another pay off statement only to be told the wait was at XXXX business days. The agent hung up on us and was yelling at us on the phone. We called back and the agent put a rush and apologized for the previous experience with the agent hanging up on us. She informed us we would receive the payoff yesterday so we could close. This took over XXXX hours on the phone and numerous times being on hold. The letter was never faxed. At the closing we were told it would definitely come tomorrow which is today XXXX. I called first thing this am and I was told it would definitely come today. It never came and at XXXX I called again and the woman told me they gave me wrong information and it should come by the end of next week. Should not would. She also stated again it 's 10 business days to get a payoff statement. I told her it takes XXXX minutes to send a fax. I was on the phone and again put on hold for XXXX minutes. Again the agent hung up on me and said there was nothing she could do. I informed the agent the buyer s mortgage commitment was going to expire by Monday. I also informed the person on the phone as well as the previous person on the phone that we have a special needs child who is medically fragile and I could provide medical documentation and would fax it over. I told them we are staying at a hotel and this is not good for my son 's condition and could someone please help us. I again told them I could provide documentation and would fax it right over to them. I was told I do not qualify for a rush because I am not in a short sale and not in foreclosure. I started to cry and said there must be something someone can do. Every time I called I was n't even allowed to speak to someone in payoffs. Every time I call it 's a different answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc. did not apply my clearly stated " Principal only payment '' correctly, resulting in me paying several hundred dollars extra in interest. After several attempts to correct this issue, they told me there was nothing that they could do about it, even though they admitted it was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent the attached letter to Equifax back on XX/XX/XXXX. 52 days have passed, and they have not responded to me yet. They were supposed to respond within 30 days, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We deposited two checks into our account at Chase ( account # XXXX ) on Wednesday XX/XX/XXXX. 

Both XXXX checks were drawn from account # XXXX ( XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( check numbers XXXX XXXX XXXXXXXX ). 

Both checks were debited from the XXXX XXXX XXXX account that same day ( Wednesday, XX/XX/XXXX ). 

On Monday the branch manager at Chase ( XXXX ) confirmed with XXXX XXXX XXXX that the funds had in fact been debited and thereby provided a " verification of funds ''. 

Chase refused to release the funds and we spoke several times to the Bank Manager XXXX and XXXX in business affairs. They blamed the Hold Dept. 

On Tuesday, XX/XX/XXXX I called Chase 's Hold Dept at ( XXXX ) XXXX and spoke to XXXX ( no last name ). 

XXXX was rude, condescending and blamed the bank manager XXXX for not having provided enough information on her email request to release the funds. 

He placed me on hold for approximately 30 minutes and ultimately hung up on me and never called me back. 

In total, Chase 's Hold Dept kept me on hold over two hours. 

They had no grounds to hold that money, as the verification of funds had occurred between XXXX ( XXXX XXXX  XXXX ) and XXXX  ( Chase Branch Manager ) on Monday. 

Furthermore, I advised XXXX that I had a screenshot which illustrated the day those two checks cleared the XXXX XXXX XXXX account from the XXXX XXXX XXXX website, which as mentioned earlier was XX/XX/XXXX. 

XXXX did not wish for me to provide him this evidence and seemed annoyed that I was asking him what government agency oversaw his department. Every person I spoke to at Chase said they had no idea what government agency oversaw that department. 

I'm on hold as I type this complaint with Chase and have been for 48 minutes. 
I'm simply asking them what agency oversees their department and the woman who answered the phone ( XXXX ) claims to be trying to find out that information from the " Executive Dept ''. She just came on and said they are not aware of any government agency that oversees their Dept and then hung up on me. 

To say this ordeal has been frustrating is a gross understatement. These kind of practices should be disallowed and this practice of holding funds when the funds have cleared is an abuse on the part of banks. 

We're tired of banks taking advantage and benefiting ( float ) from holding funds for no reason. We provided the verification of funds as was required and when I offered the screen shot to XXXX as further evidence he didn't want it. 

Thank you for your time, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My husband and I took out a student loan with Sallie Mae at a 9.2 % interest rate for the maximum amount of years 10. We are supposed to pay them {$570.00} a month. We are in forbearance right now because we just ca n't afford the payments at the month and there is no other way to defer the payments. We are charged {$50.00} for a " forbearance fee ''. Each month we are charged {$370.00} just in interest while this account is in forbearance. This ca n't be right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters

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 2021-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgage loans from XXXX XXXXXXXX XXXX, XXXX being serviced by Select Portfolio Servicing , Inc, loan # XXXX & XXXX. The payment amount of {$820.00} for loan XXXX and {$810.00} for loan XXXX are incorrect and there is no plausible explanation why both is so high. The loan documents signed at closing for both say the payments should be {$480.00} for loan XXXX and {$470.00} for loan XXXX with no Escrow. As agreed on the loan documents they will be no escrow. The additional amount doesn't equal any prospective escrow payments ( taxes on both are $ 900 yearly and insurance is $ 1100 yearly ) and there is no explanation for the differences. I've called over 10 times since XX/XX/XXXX to get this fix. They told me to give it a few days it will fix itself, I was then told it was because of the escrow ( again which doesn't make sense ), I was asked to upload letters to remove the escrow which I did, I was then told it was because of a lien by the county, they didn't have any lien, my attorney had no records of the lien. I keep calling to get this resolve and I'm not getting anywhere with this company. I asked for management and my request was ignored. Every time I demand to pay only the principal and interest that was agreed upon they would say there's a service charge of {$15.00} dollars and would only waive after I demand it to be waived. I would like to have this issue resolved as soon as possible but I'm not getting any assistance from the loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Huntington mortgage made improper payments from my escrow account and has failed to return money to my escrow account despite multiple phone calls and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Consumer Portfolio Services, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Consumer Portfolio Services called my office again ... 
I had filed a complaint last year after I had told this company to NOT call my work number or call prior to am. Per the agreement the emailed back - they would not call work or call prior to XXXX. 
I filed another complaint last week showing the date and time of a call at work after the agreement ( I let the 1st couple go ). Then 2 days ago they called my office again. It has to stop!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal says I am responsible for two fraudulent charges on my PayPal account these charges were done at the same time through my PayPal account by means of autofill that attached to my bank. One transaction was for {$100.00} the other was for {$60.00}. Because I had my bank linked to the card and PayPal account when the transactions were sent to the merchant my bank account was charged {$110.00} and {$60.00} to credit my PayPal account with enough money for the people that made these fraudulent transactions to make them. I have given PayPal ample time and as much cooperation as possible to show them that I did not make these purchases I have not received any goods or services from the companies that PayPal things I authorized payments too I also did not authorize the bank transfer as that was a automatic system in place for me to use I had no idea my account was compromised I did not know that I was hacked but from the evidence I have provided I did everything in my power to try to stop this transaction from going through and I was still ruled against and now I am liable to pay back the provincial credit they gave me until the case was solved. I say the case was never solved and was not looked into good enough if my PayPal account was compromised it was not my doing as my phone is protected through malware and antivirus software and I used two identification factors including and not limited to my biometric fingerprints. As I did not make these purchases authorize them or receive anything from the merchants that the payments were given to it is obvious that my account was hacked and that these charges were fraudulent. PayPal made a hasty ruling band this isn't fair or an ethical business practice to charge someone for something they did not even do. I also escalated a dispute with my XXXX XXXX XXXX account to tell them I did not authorize the two transfers to PayPal one in the amount of {$110.00} the other in the amount of {$60.00} dollars I do not want my bank account to be affected by this unreasonable and unfair ruling against me. This is all PayPal 's fault and they are the ones liable and should be held responsible for their failure to investigate and properly serve Justice were justices do.

Company response to consumer: Closed with explanation