BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I took out a home equity back in XX/XX/XXXX for the amount of XXXX a XXXX period paying an interest rate of 10.99 % the home equity should have been paid off on XXXX I have made all my payments where they debit the money directly from the account. I was late for 3 payment and they defer those payments to the end of the loan at this time the new servicing company Select Portfolio Servicing is telling me that I still have an outstanding debt of XXXX I have try calling them to give me an amortization schedule of all the payments I have made, as well if there were any documentation that I would have signed that would have extended this loan that there should not be any since I never sign up for a refinance or modification since this is the answer they keep providing me that I had to do to still owe this money but they have not provided me with any evidence of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 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 permission

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing this letter to dispute and request the immediate removal of two fraudulent hard inquiries that have appeared on my TransUnion credit report. I am a victim of identity theft, and I am deeply concerned about the impact these unauthorized inquiries may have on my credit standing. I have taken all necessary steps to investigate these inquiries and provide evidence of their fraudulent nature. 

The unauthorized hard inquiries are as follows : Inquiry by XXXX - Miscellaneous Finance on XX/XX/XXXX Inquiry by XXXXXXXX XXXX XXXX Auto Loans on XX/XX/XXXX I would like to bring to your attention the following reasons why it is implausible that I would have sought loans from the listed creditors during the mentioned periods : XXXX - Miscellaneous Finance : On XX/XX/XXXX, I was not in a financial position to seek any new credit arrangements, as I was in the process of recovering from a major medical expense. During this time, I was focused on managing my medical bills and restoring my financial stability, rendering the need for additional credit completely unnecessary. 

XXXXXXXX XXXX - Auto Loans : On XX/XX/XXXX, I was already a proud owner of a vehicle, and there was no reason for me to explore new auto loan opportunities. Additionally, I had been diligently working on improving my credit score and maintaining responsible financial habits, making the decision to apply for an auto loan contradictory to my financial goals. 

I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, I have contacted both XXXX and XXXXXXXX XXXX to investigate these unauthorized inquiries. To my disbelief, both creditors confirmed that I had never initiated any credit applications with them during the specified time frames. Their confirmation provides further evidence of the fraudulent nature of these inquiries. 

I kindly request that you initiate a thorough investigation into these unauthorized inquiries and ensure their immediate removal from my TransUnion credit report. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and help rectify this situation promptly. 

I appreciate your attention to this matter and thank you in advance for your assistance in resolving this fraudulent credit issue. Please feel free to contact me if you require any additional information or documentation to facilitate the investigation process. 

Sincerely, 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 2023-06-16
Company: Block, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX account : XXXX XXXX ( Account closed ) XX/XX/2023 Contacted seller to purchase XXXX XXXX  XXXX XXXX for {$90.00}. Seller gave address of meetup point : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX When I was going to arrive late, seller stated he gave it to his brother, and provided what I believe to be his home address : XXXX XXXX XXXX XXXX, XXXX XXXX However, met at original location of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Seller described item as legitimate XXXX XXXX XXXX  XXXX XXXX, and gotten for his birthday but did not like. Tested condition but did not realize and seller did not disclose that the XXXX were fake/XXXX If so, woud not have purchased. Requested to meet up to return items after verifying with XXXX XXXX  that the airpods were indeed fake, and contacted seller via XXXX on Sat, XXXX XXXX and account was closed after my message. Contacted Cash app ( XXXX ) for refund, but told by " XXXX ' that Cash app could not help with refund and the seller was not responding. Seller 's XXXX XXXX  : XXXX  XXXX Contacted my XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX  ) debit card ( XXXX ), and they requested that I fill out a police report, and have provided me with dispute case of : XXXX. Believe the seller has done this bait/switch sale tactic and believe he is currently selling under XXXX name : XXXX XXXX selling two items : XXXX XXXX XXXX  XXXX Airpods XXXX XXXX XXXX Thank you. 

Thank You, XXXX Police Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind in XXXX when I fell and broke my hip. Started to pay as agreed and got behind again by 3 months and brother helped me in XXXX. In XXXX I took the Covid Relief and the loan is current right now. My husband passed in XXXX of XXXX and i've been struggling with this mortgage this entire time to do a modification. They said they would not work with me until I had provable income and I started getting social security in XXXX of XXXX. I continually struggle to get in contact with them and am consistently giving the runaround. I've emailed, I've called, and there is just no response. I was told to contact this person and he refuses to respond to any contact email or phone. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ext 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 2022-08-19
Company: PRESTIGE FINANCIAL SERVICES 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: Account information incorrect

Complaint:
I had an auto loan with Prestige Financial back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called Prestige to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
My mortgage, serviced by NewRez ( and previously XXXX XXXX XXXX XXXX refuses to acknowledge receipt of and properly apply my BPO to my PMI removal request. 

I had an ongoing PMI removal process APPROVED by XXXX XXXX XXXX, under final review when NewRez purchased the servicing of my loan. This process too 20+ phone calls in total, due to the following. 

They repeatedly refused to acknowledge the existence of the XXXX, and kept sending me new BPO request letters, as if the original valid BPO was lost during the move. 

Even after paying the exact amount XXXX provided to me to pay for PMI removal ( lump sum oXXXX XXXX  ) and getting a valid BPO, they refused to acknowledge it and remove the PMI from my mortgage. 

Additionally, NewRez has no message portal where users can view their sent and received messages, and their mortgage servicing department can't even see the messages you sent! This leads to messages being sent into the void, with NewRez servicing constantly gaslighting users about what messages they did or didn't send and what was uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-11-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX ; has violated my rights to privacy.

- 15 USC 1681 Section 602A states I have the right to privacy.

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

- 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

- 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My Mom opened a Citizen bank checking account several years ago. I was put on the account so i could help her if necessary. Just before we left the bank the banking repressive asked her to open a line a of credit with the account. I said that was not possible because I was in the middle of a divorce and my attorney told me to open no new accounts involving credit. They was perfectly clear that as long as I didn't sign the promise to pay I was not involved with the line of credit. They assured me I was not involved with the line of credit. They would not put me in jeopardy like that. They also tried pushing a credit card on her along with other products they had. She took the line of credit and declined the rest. The agent tried to push other products until I stooped her and told her my father had just died and now was not a good time for time. Fast forward to present day my mom defaulted on the line of credit due to the fact she is in a XXXXXXXX XXXX. I think is a similar thing like people went through will XXXX XXXX were the bank agent was looking to make commission or quotas. The was told I could not be a part of this line of credit and I was told I was not on this line of credit. And now the bank is trying to collect from me. They are guilty of frauds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: FIRST HORIZON BANK
State: GA
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:
First Tennessee Bank charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed a claim XX/XX/2022. Requested creditor to be removed off of rental history and all 3 credit reports. Still fraudingly reporting to all 3 credit reports. Remove ASAP off of my credit report. 

See case XXXX stated they illegally tried to collect $ XXXX in debt for rental lease that was not broken and verified

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 2022-07-27
Company: Syncapay, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have come across an issue with Prepaid cards issued by Prepaiddigitalsolutions.com company. 

I had two prepaid cards worth {$70.00} each and were expired on XX/XX/2022. I had used the entire amounts from both cards to pay to a merchant on XX/XX/2022 prior to the expiry date. 

Card numbers are ending with XXXX and XXXX. 

My issue started with the merchant not delivering the service promised so I was working the merchant to refund my money. Which they finally did in the month of XXXX ( XX/XX/2022 ) on both cards for the full amount of {$70.00} each. 

However, since my prepaid card had already expired, why did the Prepaid card issuer allowed the money to be refunded back into the same expired card? 

To add insult to injury, my expired cards had now {$70.00} balance on each cards with expiry date of XX/XX/2022. When I contacted the card issuer on how to get access to my money on these cards, I was asked to request replacement cards and I was told that they will charge reissue fees of $ XXXX on each card. 

This is unfair practice of charging fees for the cards that they accepted the refunds on. 

Please help resolve this unfair fees charged to me. This is a double whammy for me since merchant did not deliver the service and now card issuers charging me unfair fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: IQOR US INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX was discontinued by me voluntarily, they sent a box for the equipment to be sent back, that equipment box was never delivered to my home to be sent back, therefore I was charged the amount of the receiver boxes. Multiple attempts made to dish and request to speak to manager to request the box and after 30 days they basically refused to send a box for tlreturn of equipment, I still have the equipment but the company turned it over to collections and will not speak to me as I don't have an open account. I will pay the amount due and owed after they take the equipment back and adjust for the equipment return, the bill remaining would be under XXXX dollars, I would gladly take care of this if they would take the equipment and adjust the bill as it was agreed on the day it was discontinued by me.

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 2022-11-23
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Fraud transactions happened in my remitly account between dates of XX/XX/XXXX to XXXX XX/XX/2022, total of 12 transactions. I contacted remitly customer service, they did not provide me refund or any sastifactory reponse and they locked my account without any reason. Then i contacted my bank and i filled a complaint, investigation happened one month and they told me to contact remitly, as they cant do anything. i am suffering from this from last 4-5 months. Please pay attention to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested both the credit Burure and XXXX to reinsert the following XXXX XXXX account with its payment history. 

It appears that XXXX has maliciously inteneded to purposly erase good payment history while reinserting old accounts that have been deleted by both themseleves and reinsert a XXXX account that was already deleted. 

Below is the account they have intentionlly deleted from my payment history to cuase damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested both the credit Burure and XXXX to reinsert the following XXXX XXXX account with its payment history. 

It appears that XXXX has maliciously inteneded to purposly erase good payment history while reinserting old accounts that have been deleted by both themseleves and reinsert a XXXX account that was already deleted. 

Below is the account they have intentionlly deleted from my payment history to cuase damages.

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 2022-06-21
Company: Shellpoint Partners, LLC
State: IN
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:
On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in Shellpoint 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that Shellpoint made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to Shellpoint re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to Shellpoint via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief