BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MD
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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 have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Absolute Resolutions Corp.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is in regards to a previous complaint, XXXX. 

The original complaint was about XXXX Credit card not allowing me to pay off my credit card and refusing payment. This account was closed in 2021. I have not used it since then. 

After the complaint, I received a letter from XXXXXXXX XXXX managing bank, XXXX, stating that they'd now accept my payment, and I was able to pay it off in full and be done with it. I did just that, immediately paying off the balance in full. They removed the account from my credit report and listed it as paid. 

Until now, they're saying that somehow I owe {$700.00}. They've sent me another statement, and they've put it BACK on my credit report. 

It appears they have possibly sold debt to " absolute resolutions investments ''. So they accepted my payment and then sold non existent debt? 

I just want this to be done with and for them to leave alone. I thought I resolved this months ago, but apparently not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Select Portfolio Servicing Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : Loan # XXXX SPS Financing, It has been brought to my attention that SPS Financing, better known as Select Portfolio Servicing Inc. held the loan and has been collecting payments from XXXX XXXX since XXXX. SPS Financing sold or transferred the loan to XXXX XXXX in XXXX. According to legal records in XXXX XXXX XXXX XXXX XXXX, the loan was authorized and was taken over by the Government State Entity called the Florida Housing Finance Corporation in XXXX. 

SPS Financing did not have the authority to sell or trade the loan, offer any modifications, or collect any payments consisting of principle, interest, and escrow. During this duration SPS Financing was not the holder of the loan. Furthermore, the loan was sold/transferred back to SPS Financing from XXXX XXXX from the years XXXX, The official records of Satisfaction Of Mortgage Note and Loan Modification states that the loan was paid off XX/XX/XXXX. 
I am requesting : ALL PAYMENTS INCLUDING PRINCIPAL, INTEREST, AND ESCROW THAT WAS COLLECTED FOR THE YEARS, XXXX XXXX, XXXX BE REIMBURSED BACK TO ME WITHIN 30 BUSINESS DAYS OF THIS LETTER. 

In closing, there will be a complaint filed to CFPB for further investigation into this matter. 


Please Govern Yourselves Accordingly, 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 2023-08-08
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 am not liable for any debt with XXXX XXXXXXXX XXXX I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Chime Financial Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a credit builder account with Chime Bank. It's your typical secured credit card that you can add money at anytime and use it anytime and they report to the bureau. Well, they aren't helping anybody build any credit. In fact my credit score dropped XXXX points recently because of Chime Bank XXXX XXXX XXXX ) Whatever money you deposit becomes your credit limit according to every other financial institution except for Chime. They think that a balance is good with a checking account its also good for a credit card. All money added to your credit builder is reported as your balance. I added {$530.00} dollars to my card taking my utilization up to 165 % showing that I have a balance of {$530.00} on my Chime Secured Card. I've called and emailed and I get the same response every time. That " when a new card shows up on your report it always puts a ding on your score. '' It's a script and that's their response because they don't understand credit scores in the slightest. Closing the account would also look bad if I were able to. I can't because I have a balance of {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. 
XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. 
Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. 
Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank closed out my account for no reason on XX/XX/2023, and refused to give my money back. I have {$3600.00} funds balance on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage loan with Guaranteed Rate, which sold my loan to Shellpoint, which is serviced by Newrez LLC. Since Newrez LLC took over servicing my mortgage loan, I have been unable to access, view, and receive electronic statements. I am able to login to the Newrez LLC user portal, however, I can only view the home screen. I am unable to view any mortgage statements, correspondence, or any additional documentation with respect to my mortgage because when I click on Account Details, the page redirects and goes to a blank screen. I have spent an inordinate amount of time calling to complain about this and subsequently request the mortgage statements be emailed to me since I no longer receive statements via USPS due to the fact that I am the victim of identity theft with fraud statements on my credit report. When the Newrez LLC website attempts to redirect from the home screen to the Account Details where statements would be located, the website freezes, using their recommended browsers, including XXXXXXXX  and XXXXXXXX XXXX. For two years, I have not been able to view mortgage statements via the consumer portal and have had to request that Newrez LLC email the statements. This is a problem because my mortgage payments are setup for autopayment. Therefore, if the payment amount is not listed correctly, I will be issued late fees, even if the payment is off even so much as by one penny! However, Newrez does not send my statements to me electronically, but instead expects me to retrieve them in a portal for which their IT support can not effectively resolve these issues after two years of complaints. One day I fear that the mortgage payment amount will be short, and I will be issued late fees and reported to a collection agency when Newrez does not send me statements that notify me of the correct due date and correct amount due. I do not know how much of my mortgage is being applied toward interest, principal, or taxes. Newrez LLC fails to provide me with proper statements in order to make my monthly mortgage payments. I fear they are setting me up intentionally to default on my mortgage, and I have never been late or short on any payments. Attached is a screenshot of what a consumer experiences trying to access a monthly mortgage statement. See pdf of a blank computer screen with a redirect address that is clearly broken and not working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 XXXX my fiance deposited a check in his name for {$1000.00}. into my account at Chase bank ATM. The ATM receipt informs us of a 10 day hold that has been placed on the check as well as my account. This has NEVER happened before. I call immediately. The representative lied, said this was standard practice. I called back in the morning as I already had a feeling this was not right. Then began the process of many phone calls and failed attempts to fix the situation. Chase says they needed to verify my finances identity to release the funds. Every which way we could do this was somehow not an option for us. Pre pandemic, I had a Chase account for at least a decade, with many transactions proving my history with Chase and proof of transactions just like this one. That account closed while I was in the hospital so I had to open a new one. Chase then said my old account transactions are too old to use as proof. They also changed their policy, where we could no longer go into the bank in person with XXXX forms of ID as proof of identity. Implemented only XXXX weeks prior ( what we we're told ) without any knowledge to us. A notarized letter was not acceptable either. They said the only way to verify his identity would be to call him on a phone number verfied by them. Although Chase had several numbers for my fiance some of them were old and no longer in service. The numbers he has available to call they said could not be verified by their system. I even had our cell provider make sure my finances phone number is public record as his own, which we pay for. Chase still cant verify it. They say that his phone number comes up in their system but with someone elses name. I'm just at a loss at this point. If you XXXX banks that accept XXXX party checks, Chase is listed as one of them. Only that, if not endorsed properly, you can incurre fee. Even the utilities at my address, that chase has on file, are in his name. They said I violated my customer agreement, put a XXXX business day hold, where i couldn't use my account at all, and then closed my account and kept the check, when the matter couldn't be resolve in time. I was told that the check amount is now held in suspense for up to 2 years unless this can be resolved. They couldn't even tell me how a phone number is verified to try and aquire one. Further more, Chase said they did this to protect me from fraud. If they thought the check was fraudulent, why would they let it clear?, in the first place. I've noticed other stories similar to mine have to do with checks of greater amounts. All in the thousands range. Seems like a sleazy way for Chase to steal people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB MANAGEMENT SERVICES is still furnishing on my XXXX report after deletion from both XXXX and XXXX to identity theft and inaccuracy. NCB MANAGMENT is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ive been making an extra payment the day before my automatic payment is to be taken out but finance company waits until the next day to process my extra payment and charge me interest on my money that was to go directly to the principal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a XXXX XXXX  in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dispute is with XXXX fitness in XXXX AZ. In my attempts to cancel my gym membership I was told I had to come in to the gym and speak to a XXXX who was not at the gym at all three times I went in person. I explained I had moved and it was difficult for me to keep coming in with no resolution. I received and email from the gym XXXX confirming that my account had been cancelled. I never received any further calls, emails, letters, or charges on my card which was still active. In 2021 I am notified of the collections account filed from XXXX  XXXX stating that the account had not been closed and continued to collect charges and had a past due balance. I have attached the email confirming my cancellation. I was not given any notification of a past due account that was said to be canceled already before I was sent to collections. Online reviews have also confirmed that XXXX XXXX has done this same thing to other members. Any attempt to contact me prior to file being sent to collections would have resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed Bankruptcy XXXX XXXX XXXX and both times they refused to input Navient in the XXXX... I can not afford to pay the hight interest on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Naviet Private Student loans, i thought the debt would ne discharged in Bankruptcy ive filed XXXX, and XXXX. The school that I use this private loan with is XXXX  XXXX XXXX and XXXX XXXX XXXX. I was trying to remove Co signor, the service wouldnt remove them with several consistent payments as they promised. The made it difficult, they've combined my loans and extended payment. It appears as they increased in interest with the forbearance, which they stated i was not eligible before during my loans because I've exhausted. Thats why Ive had to file for bankruptcy in the past because I didnt want to default on my private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated from resurgent capital services dated XX/XX/2023 in regards to an alleged debt from XXXX XXXX XXXX  in the amount of $ XXXX letter stated that resurgent capital services was collecting the debt and LVNV Funding was the current owner. I sent a certified letter on XXXX XXXX requesting that the account be validated. I have not received any account validation whatsoever. Upon checking a copy of my credit report it shows that LVNV Funding is reported as a collection. This is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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