BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I went on the company website to add my XXXX XXXX savings account information to make XXXX additional payments toward the principal of my mortgage loan. On XX/XX/2020, I noticed the payment had not cleared the account and contacted XXXX XXXX XXXX. I discovered the account number I entered did not contain the XXXX preceding zeros. This caused the payment to be rejected a few days later. As a result, SPS added a block to my account which prohibits me from making my payments online and requires me to mail in a certified check. The representative stated it was an SPS error and should not have been flagged as an NSF. She also informed me it would be corrected within XXXX business days. I have called SPS several times and each representative has given me a different explanation and time line of when the mistake will be corrected. I have also emailed the Ombudsman 's office. I received a template response from the office via email and mail. On XX/XX/2020, I called again to inquire about the block and to make my mortgage payment online. It was at this time, I was told for the first time, the issue was sent to a XXXX on XX/XX/2020 and a decision would be made by XX/XX/2020. I was also informed that I would need to make 6 months of payments before the block is lifted. That requirement is typical for someone who has had NSF issues. I have never had a payment returned for NSF reasons. Today, I log onto the website, the block has not been removed. I called and waited on hold for a XXXX for XXXX minutes. The representative, sent an emailed to the XXXX to request she give me a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought XXXX XXXX XXXX year ago .I transfer money through my bank'account in XXXX XXXX ( XXXX XXXX .I tried to withdraw my funds four months ago to my subject account in XXXX however I get the same message Quote Payment method unavailable in your region .We are working making it a possibility soon. 
Unquote

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.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 non-monetary relief
Consumer complaint received 2015-12-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: First Data Corporation
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: First Credit Services Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: NY
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A medical account was opened after theft of my identity. AR Resources , Inc. illegally obtained this account with private health information and is also attempting to collect an alleged debt from me that I do not owe. This is false and misleading representation because I have never contracted with AR Resources , Inc. nor did I provide location information to this third party debt collector to contact me directly or indirectly. They have threatened to harm my personal reputation by illegally reporting this inaccurate and invalidated information to consumer reporting agencies if the alleged debt remains unpaid. AR Resources , Inc is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights by reporting late/no payments for the months XX/XX/2022, XX/XX/2022. The following account needs to be updated to payed in full. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
original debt owed to XXXX XXXX visa. 
over 7 years have passed, debt was charged off over a year ago. 
However, XXXX funding continues to report account as open and debt due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
portfolio recovery account # XXXX date opened is different from XXXX then experian XXXX date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX  date of last active XX/XX/XXXX experian date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.

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 2022-07-21
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Yes I extended my credit to the business which submitted application which is a legally binding contract and was denied. First I'm the original creditor extended my credit and can't be denied there was a finance charge which is to access my credit for me. On top of that I'm was treated very ruefully and unexceptional being denied a right that is lawfully mine. They have willing and knowingly lied and gave misleading information. This has affected my well being and livelihood I ask this be corrected as the law deems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I set up a monthly payment of XXXX $ and two months it was taken out of a prepaid card the next month XXXX was taken out of my account and I called to resolve the issue. They send fax my statement which I did about 4 times they never received. I was speaking with a XXXX or XXXX, now another representative calls me to accuse me of lying. She hung up the phone after threatening me while I was asking for the company email or personal so I can send her the proof. Her name was XXXX. I have attempted several time to call her back and no response I also found the company phone number no one answers as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent a debt validation letter 2 times on XXXX XXXX and each time this company ( merchants credit guide ) XXXX XXXX XXXX XXXX # XXXX XXXX illinois XXXX has failed to validate my debt. instead they sent me a list of my medical records which i know is a direct violation of HIPPA regulations. Never signed a HIPPA form authorizing them to have it to have access to this information. please delete this information from my credit file cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, My name is XXXX XXXX. 

I have reached out to the XXXX about reporting incorrect information on my consumer report. I have connected XXXX six times about this matter Via online, phone, and mail. The account with XXXX is currently in ligation. I do not owe this alleged debt. I DEMAND that this is deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this with the ( XXXX, XXXX, Transunion ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law

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 2020-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Item took more than 30 days to respond. Item must be removed from credit file. Please see attached pdf. Item was XXXX XXXX support. Equifax took over 50 days to respond to complaint about oag. Item must be removed from credit file because equifax did not respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I initiated a wire transfer from my XXXX XXXX account to my Chase Checking Account. Eight days after I initiated the transfer, Chase still did not credit me for the amount that I transferred. In addition, the wire transfer team was not helping me in locating the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Meritize Financial Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to school in XXXX got a loan from them, when XXXX hit they are still charging me interest when all interest shouldve been on hold now, i didnt finish my classes and restarted in XXXX which they now gave me another loan, however covid was really not helping and I got super stressed out so I couldnt finish the classes again. I called them because they charged me for the entire amount for thr program even if I only took a couple of classes and they were also still charging me interest despite it being covid and now they sent me an email that they capitalized my interest with my loan. I called and they just told me that the specialist was supposed to call back but no one ever called ne back. This has been really stressful dealing with this and up to date now they are about to change my loan to a different company without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used a CitiBank account while I did My XXXX XXXX at XXXX. I left XXXX $ deposited in that account now CitiBank says that they closed the account and they were not able to locate the funds, these were my savings.

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 2015-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank consistently mismanages the Escrow and engages in fraudulent practices of incorrectly assessing escrow. Without a significant change in county/ city taxes or insurance they just increased the mortgage payment by about {$1000.00} per month after 5 years of regular payments. Chase bank does not provide visibility or an option to pay taxes separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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 information incorrect

Complaint:
I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing 0 balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks

Company response to consumer: Closed with explanation