BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issues are with Select Portfolio Servicing inc. My Loan number is XXXX On XX/XX/XXXX I received a letter from SPS stating the acceptance of my forbearance plan. It stated that I would not owe any monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a Balloon payment due XX/XX/XXXX. 

On XX/XX/XXXX I called to discuss the plan as It was incorrect. I had already made a payment, that had been received by them XX/XX/XXXX and deposited towards my XX/XX/XXXX payment. I stated that I would not be making that balloon payment on XX/XX/XXXX, as the dates and numbers in the letter were incorrect. 

On XX/XX/XXXX I submitted an inquiry to the companies ombudsman regarding the situation. I sent in all documentation of payments made. To correct the issue on the forbearance plan. 

On XX/XX/XXXX I received a letter regarding my inquiry. It stated that I had in fact made the XXXX payment. 

On XX/XX/XXXX I called to confirm that the Forebearance plan was in fact active and had been adjusted to make the balloon payment to XX/XX/XXXX. I was told whatever changes needed to be made and would be made accordingly and I would receive a letter stating said facts. 

On XX/XX/XXXX I checked my credit score and it showed that I was in default on my home loan On XX/XX/XXXX I called SPS again to confirm. they stated that it was a timing error, but that they would be able to retroactively deal with the credit score error. 

On XX/XX/XXXX I received a letter stating I was in default on the loan On XX/XX/XXXX I called and was told I had opted out of the Forbearance plan on XX/XX/XXXX ( The day I called to dispute the lack of XXXX Payment ) I told them I did not opt out, that I told them I did not agree with a balloon payment in XXXX since I had already made XXXX payment ( Investigations since that call show I was correct and did make the payment ) That is where we are today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TX
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2022-07-22
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a conforming, 30 year fixed mortgage from Chase.  I am a partner in a 400 person firm, have been employed without a break for over 30 years, have a hefty bank account, putting 66% down on the house, have XXXX the loan amount still in the bank after close.  XXXX Chase tells me the debt service threshold is exceeded, then it's my company's acquisition that's the problem, then my XXXX income, and after 60 days of going back and forth, asking me for the same info over and over, Chase changes the term of my loan, making up "exceptions" Based on the above, and making excuses on info they have for 60 days. I paid for and locked into a 3.75% rate, 0 points, and now after 60 days, they are trying to charge me XXXX points for the same terms.  
They have left me with no alternative for other funding due to the contract date coming up.  Someone in Private Banking at XXXX says Chase is XXXX, I'm a model borrower, tons of assets, excellent income, liquid assets, but now I feel I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021

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 2019-12-19
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: Personal information incorrect

Complaint:
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX ohio XXXX the following information is fraudulent and i expect that it be removed from my report. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX , XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX I'm trying to conduct personal business and these matters are holding me up. 
I traveled from XXXX for residency on or around the summer of 2018. I recently was trying to obtain an account and checked my full credit report. At that time I saw medical accounts and other debts fraudulently billed to me and also a report from a XXXX checking account in XXXX XXXX unbeknownst to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account reference numbers : XXXX XXXX # XXXX, # XXXX US DEPT OF EDUCATION # XXXX, # 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}

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 2019-12-19
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home burned down in XX/XX/2018. The insurance funds went to our then mortgage company which paid them out as work was completed. We had to fire our old contractor and the new contractor has practically finished the house. Meanwhile, our loan was sold and transferred to Shellpoint mortgage. Shellpoint now holds over {$37000.00} which they will not release. They say they need several documents from the new builder which he submitted several times. The mortgage company claims to have never received the documents and keeps adding new requirements. ( Moving the goal post ). We have had two recent inspections of the progress of the build, with the chosen inspector of the mortgage company, ordered by the mortgage company. Two ... because the first apparently either wasn't ever filed or was lost. The mortgage company said they couldn't find it either way. It is like trying to get blood from a stone and their left hand never seems to know what the right is doing. Also, since we have been unable to access funds to finish, my wife and I have had to indebt ourselves with high interest lines of credit to get to where we are now. We have paid over {$70000.00} to the new builder from credit cards, personal lines of credit and cash. Our agreed upon amount with the new builder has been paid almost in full but there are extras we need to pay for to get occupancy in order to refinance our way out of this nightmare. Our cash savings have been depleted and we now owe over {$50000.00} to creditors. We are struggling to make those payments along with not only our primary mortgage payments but also {$1200.00} a month for the rental we are staying in until we are back in our home. All the while, our bank ( mortgage company ) clings to {$37000.00} of the funds our insurance company paid to fix our home. Of course, we paid all the premiums. Our home is valued at over {$400000.00} of which the mortgage company holds an interest of only just over {$160000.00}. The balance of equity is ours. Although the home is over 95 % complete, the mortgage company won't release the funds. As our new builder has been paid almost the entirety of the contractual agreement by my wife and myself, I want the remainder of the insurance money the mortgage company holds, released, along with interest they have earned by holding it since XX/XX/2018. When our home is complete, we can refinance it and pay off the high interest lines of credit. 
We need to get back in our home. We are very close to completion. The funds from the mortgage company will get us over the top. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promo certificate in a mail from Chase Bank to open a checking account, set up direct deposit of minimum of {$500.00} a month and my account will be credited {$300.00} in 90 days. I went to the brach in XXXX, CA ( XXXX XXXX XXXX, XXXX, CA XXXX on XXXX/XXXX/15 and opened a checking account, deposited XXXX XXXX dollars to the account and set up partial direct deposit to test the services. It is XXXX and I have not received a credit of {$300.00} as of yet. I contacted the person that opened my account ( XXXX XXXX XXXX XXXX # XXXX ) and asked him to look into this matter. He stringing me along for a week and now, keeps coming up with excuses such as I was a Chase previous customer before and promo for a new clients only ( why this was not disclosed by him originally ), or I need to bring minimum of {$50000.00} dollars as an investment to the branch in order for his branch manager to make an exception with {$300.00} credit, or did I give you a print out confirmation that you are eligible for the credit of {$300.00} when I opened your account?. The person is disohest and not able to explain all terms upfront in full, he gets paid on services he generates with the knowledge that he is doing something wrong and let 's clients believe that things did n't work out or issues will go away on it 's own. This is a terrible customer service and intentional fraudulent conducts that has to be punished for the sake of Chase clients. Please look into this matter to prevent future fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: FL
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:
On or about XX/XX/2020, while looking at my Citi credit card account online, I noticed that there were charges to my accounts that were not incurred by me. They were numerous charges made in XXXX, charged by XXXX XXXX XXXX XXXX XXXX. I was never in XXXX, nor did I order anything online from XXXX. 

I immediately called Citi Customer Service, and informed them that these charges were fraudulent, and was reassured that Citi would take care of removing these charges from my accounts. 

When I received my next statement, inXX/XX/XXXX, I noticed that only some of the fraudulent charges were removed ( total fraudulent charges were {$640.00}, fraudulent charges removed were only {$210.00} ). I placed numerous calls to customer service and was repeatedly assured that the charges would be removed. 

I wrote three letters to them, certified mail, but they never responded, and the fraudulent charges are still on my account.

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 2022-07-22
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: AES/PHEAA
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Student Loan company Pennsylvania Higher Education Assistance Agency ( PHEAA ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call PHEAA they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: MA
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 post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, Equifax and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: TN
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:
Because of the Equifax security breach my score went down by 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly DELETE all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willfulnon-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did no tprovide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 


XXXX XXXX  XXXX Dates 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 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX , XXXX ; is reporting a fraudulent tradeline from a credit card that I never had. 

According to their records their was a dispute place on XX/XX/2019. No documents was mailed to me after the dispute. Also according to them this tradeline was paid in full before they receive the account. 

The rep refuse to take my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In my recent review of my credit report for XXXX/XXXX/16, I notice Central Financial Control service reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Central Financial Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX {$360.00} Acct # XXXX {$680.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated HIPPA law . I am able to send the documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation