BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to SPS Servicing ( www.spsservicing.com ) by the  originator. This company does everything within their power to ensure that you can not make your payment on time. The following issues have occurred since they have became my mortgagee : 1 ) If you hang up before the phone repeats the confirmation code back to you, they will kick your payment out. 2 ) If you become two months late, they will send someone to " inspect '' your house to ensure that you are still living there and charge {$600.00} for this " service ''. 3 ) Last week I tried to make a payment online. They had already processed my payment and then the website " crashed ''. I had no way to know if they ran my payment or not. 4 ) Prior to that, I had tried to make the payment online, but they never sent me the 2nd part of the 2 part verification process. In today 's market, they know that they can not generate new business, so they do everything within their power to ensure that you can not escape them by refinancing and simply try to fee you to death. I have also asked for proof that they had the right to " inspect '' my home and add those fees to the balance. They gave me a fax number and no one ever replied. I would never do business with people this unethical and I believe that I should have some say-so in that matter. I should not be forced to do business with criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: SYNCHRONY FINANCIAL
State: MA
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:
XX/XX/XXXX, I received a letter from Synchrony Bank stating that I opened a credit account with PayPal on XX/XX/XXXX and closed by me XX/XX/XXXX. I have never heard of PayPal prior to my opening an account with them in XXXX, which I am still using. I applied for their Master Card in XXXX and was denied, stating the above reasons. I maintain that I never heard of PayPal at that time, and these were not my actions. I have spoken to Synchrony Bank several times and it seems that they can not solve this problem. I received from XXXX XXXX on my computer, many names the same as mine and believe Synchrony Bank is mistaken in their findings.

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 2020-01-08
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: Information belongs to someone else

Complaint:
I believe to have been a victim of identity theft and it may be due to data breach and now my credit is suffering tremendously because of it. It has completely devastated my near perfect credit rating and now I can not purchase a home as planned. Please help in this matter to get these erroneous accounts removed off my report in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I previously requested a letter from XXXX XXXX XXXX  regarding the incorrect reporting of a mortgage which they claim was delinquent ( 60 days late ). The letter provided was insufficient and lacked any details. These errors were reported to all 3 credit bureaus and negatively impacted my credit scores. The credit order # from my lender is XXXX, which reported my loan as delinquent ( 60 days late ), which pertains to a recent refinance through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Date : XX/XX/2018 Amount : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
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:
My  Chase account  was never closed as a cancellation of debt according to a received  XXXX  from them. IRS added this amount to my   XXXX   income tax and I was obligated to pay additional taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased my XXXX XXXX XXXX with Chrysler Capital. I was on autopay the whole lease. I did not change my bank information or modify my payments in any way. I spoke with Chrysler Capital on XX/XX/XXXX to ask how I can buy out my Jeep and nothing was mentioned about any late payment. I went to buy out my lease in XX/XX/XXXX and nothing was mentioned to me in regards to owing any money. In XX/XX/XXXX about 2 weeks after I purchased my car, I received an emergency alert from XXXX XXXX stating I missed two payments on my lease and my credit score dropped more than 70 points. I didnt understand what happened because I was on autopay and I never received any late notices, emails, or phone calls in regards to late payment. My statements were all paperless and went directly to my email for the full 3 years. I contacted the company several times and I was bounced around. Every time I called no one knew what was going on and I had to reexplain the situation. I was told to send a formal letter to a PO Box and an email in regards to my issue which was sent on XX/XX/XXXX. I didnt receive any response back so about 2 weeks later I contacted them again and requested to speak to a manager who said unfortunately theres nothing they can do and that its my responsibility to check that they take it out. He said usually they can fix the credit score but in my case they refuse to do so. I contacted a lawyer because I felt they were being bias and I didnt feel like I was treated professionally. I asked them to release my phone messages and they refused to do so. My lawyer told me they most likely do this all the time and to file a complaint with CFPB because there was nothing he can do because its technically my responsibility to check my bank statements. Its been a full year and Im still fighting to get my credit score back up. I was on my way to a perfect score and now with this error its extremely hard to get my score back. I am currently refinancing my house and I have explain why I missed two full payments. I was on Autopay with no missed payments for the full term until they  stopped autopay unbeknownst to me. This company has poor practices and they refused to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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:
EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: GA
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 a WARNING to remove an Incorrect item from my Credit Report with Experian Credit bureau. I have sent several complaints with a copy of my ID and address to Experian and have been ignored several times about XXXX acct # XXXX. This account has been canceled and forgiven by XXXX but yet Experian continues on reporting this debt without Validation. XXXX  & XXXX  have both removed this account off my credit report ( Which I have attached a copy showing the two other bureaus removed WFDS acct ). But Experian continues ignoring my request with stall tactics. This is NOT a request for " verification '' or proof of my mailing address but a request for VALIDATION with proof not from an computerized generator confirmation system. I would like dates you contact the " individual '' furnishing my information and the method of communication. The burden of Validation is on Experian. At this time, I will also inform you that if Experian continues reporting invalidated information to my credit report, this action may constitute fraud under both federal and state laws. I will not hesitate in bringing legal action for relief through my state attorney general, FTC and report to XXXX  against Experian. For Violation of the FCRA, violation of the FDCPA and DEFAMATION OF CHARACTER. Civil Liability 15 USC 1692.

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 2017-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I APPLIED FOR HARDSHIP ASSISTANCE AND WAS DENIED DUE TO THEY CAN NOT FIND A FEASIBLE MORTGAGE PAYMENT. MY HUSBAND AND I ARE REQUESTING FOR HELP DUE TO MEDICAL PROBLEMS, MY HUSBAND WAS DIAGNOSED WITH XXXX XXXX. WHILE WE WERE DEALING WITH THAT WE EMPTIED OUR SAVINGS PAYING OUR MORTGAGE, OTHER BILLS AND MEDICAL. WE GOT TO THE POINT OF RUNNING OUT OF OUR SAVINGS AND KNEW WE NEEDED HELP SO WE HAVE REACHED OUT TO OUR LENDER AND WAS DENIED AGAIN DUE TO COULD NOT CREATE AN AFFORDABLE PAYMENT. HOWEVER, IN THE SAME BREATHE THE DID FIND SOMETHING AFFORDABLE WHICH WAS A REPAYMENT PLAN. THIS REPAYMENT PLAN THAT THEY ARE SAYING IS MORE AFFORDABLE THAN RE-AMORTIZING MY LOAN OVER 40 YEARS WITH A 4 % INTEREST RATE. THE RE-PAYMENT PLAN SPS IS STATING IS AFFORDABLE IS {$3900.00}, HOW IS THAT FEASIBLE OR AFFORDABLE THAN A MODIFICATION?!?!?!?!???? OUR FIXED HOUSEHOLD INCOME NET IS {$4400.00}, CAR NOTE {$300.00}, CREDIT CARDS {$150.00} = {$4300.00} IS AFFORDABLE TO THEM????? HOW IS {$68.00} AFFORDABLE TO PAY FOR GROCERIES, UTILITIES, INSURANCE AND MY PRESCRIPTIONS???? I RAN MY MORTGAGE INFORMATION THROUGH A CALCULATOR AND WHAT IS AFFORDABLE IS A 4 %, 40 YEAR LOAN WITH THE DELINQUENT AMOUNT ADDED TO THE BACK OF THE LOAN WHICH WOULD BE ABOUT {$2100.00}. IT IS CLEAR THAT SPS IS TRYING TO TAKE ADVANTAGE OF MY HUSBAND AND I SINCE WE ARE XXXX YEARS OF AGE. THIS IS THE EPITOME OF DISCRIMINATION AGAINST ELDERLY. I WILL NOT BE VICTIMIZE BY SPS AND HAVE ALSO FORWARDED THIS COMPLAINT TO MY STATE ATTORNEY GENERAL. I HAVE OWNED MY HOME FOR OVER 27 YEARS AND NEED HELP DUE TO MY HUSBANDS MEDICAL ISSUES. MY INVESTOR HAS MADE MORE THAN ENOUGH ON US IN INTEREST TO MODIFY OUR MORTGAGE TERMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion credit report is currently inaccurately a student loan : XXXX XXXX  : XXXX XXXX Last reported XX/XX/2020 {$8400.00} Reported balance This account was transferred to XXXX for servicing has a much lower balance, and should be deleted from my credit report In addition, Transunion is inaccurately reporting missed payments. There have never been any missed payments on my student loan account. 

See attached for a loan servicing letter documenting the transfer of the loan to XXXX for servicing.

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 2022-06-14
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:
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 USC 1681. 
XXXX Account # XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX BANK account number XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, has violated my rights. 

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

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

15 U.S.C. 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 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 2022-06-14
Company: Experian Information Solutions Inc.
State: MI
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 have been reporting these accounts that doesn't belong to me but I get no response from any of the bureaus.

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 2020-01-25
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections account reported on my credit report that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank calls repeatedly during the day, 5 times or more, sometimes even back to back. They never leave a message. I acknowledge I am in the wrong and owe a payment, but the frequency of calls is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX and XXXX had XXXX loans with XXXX XXXX, when they split into the Navient they screw up my payments, would send XXXX to Navient and XXXX to XXXX XXXX, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the XXXX XXXX XXXX account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explain the story XXXX or XXXX more times to different reps. They kept on passing the buck around to different reps. 
Finally a rep told me there was no place to upload docs as the other reps told me to do ... ... Straight up lies. Finally talked to a rep, who told me to send separate payments to different account numbers, XXXX to Navient and XXXX to XXXX XXXX. These companies should be shut down. Customer service is on par to XXXX. XXXX different companies under XXXX umbrella.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Convergent Resources, 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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-01-31
Company: CITIBANK, N.A.
State: IL
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:
On my credit reports there is a closed account with huge amount of missed payments. CITICARDS CBNA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this 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 2022-01-28
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
The XXXX XXXX XXXX violated my consumer rights by reporting inaccurate alleged late payments. Fair Credit Reporting Act said information should be reported accurately, because it could and has been damaging to my financial wellbeing and my reputation. I have alleged late payments that are inaccurate being reported on my consumer report. FCRA said that report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my account. These alleged late payments should be removed from my account immediately and that by me making the credit reporting agencies aware of these violations, if the continue to violate the law and my rights it is willingful noncompliance. These alleged late payments should be removed immediately.

Company response to consumer: Closed with explanation