BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: DE
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 am filing this compliant because XXXX And Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. 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 2020-01-17
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2020-09-03
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am attaching a detail of the events that lead to my complaint. 

In summary, My bank, Regions Bank, allowed a fraudulently endorsed check for {$3000.00} to be deducted from my account. 

Apparently, the bank of first deposit ,  XXXX  XXXX XXXX, allowed a fraudulently endorsed check to be deposited into an account even though the check was payable to another organization. 

There should be no time limit on correcting this fraud.

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 2020-11-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was fraudulently charged {$560.00} on XX/XX/XXXX for something in XXXX XXXX XXXX. This place is in California and I have never been in California before because I live in tennessee. I have continuously called chase about this every day since XX/XX/XXXX and they keep hanging up on me. I never made this charge and I dont know how some random person in california could have even made this charge. Chase has done nothing to be transparent and the person in charge of my case named, XXXX XXXX XXXX XXXX XXXX extension : XXXX ) has never picked up any of my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
My credit reports for XXXX XXXX, and Transunion all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.

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 2022-01-27
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-08-11
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: Their investigation did not fix an error on your report

Complaint:
My credit reports for XXXX, Equifax, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing inc, I has not provided me any information from the other mortgage servicer (  XXXX  ). what  documents, show that WE HAVE MISSED ANY PAYMENTS. I am current and always have been.     I challenge  ( SPS ) to  prove that we have missed any payments with them and or   XXXX   XXXX   XXXX  or  XXXX   XXXX . All my other mortgages are current except this one that has been sold twice.     We have made every payment.  SPS shows that we are 32 payments behind on our credit reports not just the two payme nts that they state on all the credit. FRAUD ...      XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My credit reports for Experian, XXXX, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.

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 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied and was approved for a Bank of America credit card on XX/XX/XXXX. I received the card but did not active the card or open an account at Bank of America. 

Unbeknownst to me, I was charged an annual fee on the card even though I did not activate the card or establish an account at Bank of America. During this time, I moved and did was not able to update my address given I did not create an account with Bank of America. 

I eventually received a notice dated XX/XX/XXXX that from BofA that my account was past due despite never activating or opening my card and making zero purchases. 

On XX/XX/XXXX I tired to access my account but it had been closed by BofA and I was unable to access/create my account in order to make 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 monetary relief
Consumer complaint received 2020-01-08
Company: BSI Financial Holdings, Inc.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loss midigation with my mortgage company and sent all requested documents and have been denied. I also sent an appeal and have not got a response. This is a extreme time sesative case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I believe I am a victim of fraud. I used XXXX Docs to apply for loan forgiveness. I never received any confirmation nor did I receive any bills or payment notices. In XXXX I was trying to apply for a VA Mortgage Loan and was told that I owed {$16000.00} to a collection agency in regard to my student loans, and was denied a VA loan as a result. I contacted the collection company and asked for documentation to validate the debt. The documents they sent me were fraudulent. I never applied for a consolidated loan. I did not have any part in the documents and the information was incorrect, incomplete, and there was no signature, and no repayment plan selected. The email used on the documents was XXXX which clicked when I got a notification from the FTC stating that XXXX Docs had me listed as a client in their lawsuit for student loan scams! I sent this information to to collection agency demanding they remove it from my credit reports and found that they never reported to my credit? But that it is listed as XXXX separate loans from Dept of Education one for $ XXXX and XXXX for $ XXXX. I disputed this with the credit bureaus and even sent them evidence of the fraudulent documents. Yet, now the accounts have been reinserted on my credit report as OPEN and DEROGATORY. I NEVER applied for a consolidated loan. I only applied for loan forgiveness since my school was shut down. In XXXX my military pay was taken and I was told it probably went to taxes owed. It wasn't until XXXX when I realized it was the deducted to pay this loan which is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I believe I am a victim of fraud. I used XXXX Docs to apply for loan forgiveness. I never received any confirmation nor did I receive any bills or payment notices. In XXXX I was trying to apply for a VA Mortgage Loan and was told that I owed {$16000.00} to a collection agency in regard to my student loans, and was denied a VA loan as a result. I contacted the collection company and asked for documentation to validate the debt. The documents they sent me were fraudulent. I never applied for a consolidated loan. I did not have any part in the documents and the information was incorrect, incomplete, and there was no signature, and no repayment plan selected. The email used on the documents was XXXX which clicked when I got a notification from the FTC stating that XXXX Docs had me listed as a client in their lawsuit for student loan scams! I sent this information to to collection agency demanding they remove it from my credit reports and found that they never reported to my credit? But that it is listed as two separate loans from Dept of Education one for $ XXXX and XXXX for $ XXXX. I disputed this with the credit bureaus and even sent them evidence of the fraudulent documents. Yet, now the accounts have been reinserted on my credit report as OPEN and DEROGATORY. I NEVER applied for a consolidated loan. I only applied for loan forgiveness since my school was shut down. In XXXX my military pay was taken and I was told it probably went to taxes owed. It wasn't until XXXX when I realized it was the deducted to pay this loan which is not mine!

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 2015-11-15
Company: LENDER LIVE
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification and was denied, so SPS offered me a short sale and I accepted that option ... I put that house up for sale and received an offer. The house is in very bad condition and needs a lot of work. We submitted the offer to SPS who did their own BPO and countered the offer at XXXX mil which everyone believes is too high ... .so we asked SPS to review their BPO appraisal..they sent us an appraisal from 2010 by mistake... so we then asked for a copy again..which they eventually sent ; so I called the bank and asked to appeal this BPO... the rep said..sorry its too late and now I am no longer eligible for any help... .we could have appealed on time if they sent the correct appraisal..wed like to just finish the short sale please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: JPMORGAN CHASE & CO.
State: PA
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:
Someone tried to open a Chase card with my email account on XX/XX/XXXX. XXXX XXXX says it came from Leet.cc, which is a gaming service that was breached in XX/XX/XXXX and my information comes up are a hard inquiry. I don't do any video gaming over the computer nor do I purchase games from this website. Who ever tried to get the card, did not. I had just noticed this at the bottom of my credit report today, XX/XX/XXXX. I am very upset this happened. I do not give out my email address except to certain stores and the doctors. I hope this gets removed from my report, because it is making it hard for my family to get a card, because it is there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hi, paypal blocked my account without any reason. i have balance in my account and i made purchase with my debit card. now i received a email that my account was permanent close and my money is hold again for 180 days. i never had any dispute or chargeback in my account, and now i cant use this account but i need my money. PayPal. ( Id. de XXXX my emaill XXXX XXXX

Company response to consumer: Closed with non-monetary relief