BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
InXX/XX/XXXX, my husband and I filed for Chapter XXXX Bankruptcy due to my husbands illness. Two weeks after we filed, my husband was awarded XXXX XXXX XXXX through the Veterans Administration. The mortgage company was going to foreclose on our home and were unwilling to work with us, so bankruptcy was the only option for us at the time. We made monthly payments to the Trustee of the Bankruptcy up until XX/XX/XXXX. We had been advised not to have any contact with any of our creditors until the bankruptcy was discharged. The discharge came in XX/XX/XXXX. I never heard anything from any of my creditors including the mortgage company. At the end of XX/XX/XXXX, I began sending my mortgage payments directly to the company. In XX/XX/XXXX, I noticed my XX/XX/XXXX payment had been returned to the bank. When I called the mortgage company, they told me I was in default and that my home would be foreclosed. No mention was made as to when and where this default occurred and since we had been making monthly payments since the bankruptcy discharge, we had no clue. I contacted my lawyer and a seven month ordeal began. During this time, numerous letters were sent from the mortgage company even though they were advised not to contact us directly but to go through our lawyer. Seven months later, the dilemma was resolved. Apparently during the five months between my last payment to the trustee and the discharge, no payments had been made to the mortgage company. Had the mortgage company representative advised us of that, we would have made the payments. At the end of the seven months the mortgage company sent a settlement of {$5000.00}, which was to go towards our missing payments. We sent an additional {$810.00} to bring the account current. That was on XX/XX/XXXX. In XX/XX/XXXX, I checked my credit score and it was in the mid XXXXs. In XX/XX/XXXX I rechecked and it had gone down into the low XXXXs. Reviewing my account, I noticed the mortgage company had entered six months of 120 to 180 days late on my mortgage payments in XX/XX/XXXX I was astonished. I tried to speak to the mortgage company to no avail. My lawyer stated the mortgage company was within their right but I do n't feel this is ethical. I feel this is payback for having contacted a lawyer. This is not fair business practices. We just spent five years in a bankruptcy and now will have to spend five more until this mortgage issue can be erased from my credit report. I truly hope you can do something to help us. 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 2022-09-04
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2022, TILA VIOLATIONS and NOTICE OF RESCISSION were sent to EXPERIAN who, after receiving the complaint filed with CFPB on XX/XX/2022 regarding a separate issue, has since, ignored the NOTICE OF RESCISSION AND DEMAND TO CEASE AND DESIST FROM ANY ADDITIONAL REPORTING ON SAID ACCOUNT PURSUANT TO ADMINISTRATIVE RESOLUTION. However, EXPERIAN IGNORED THE REQUEST AND HAS SINCE receiving notice of the complaint filed stated above, CONTINUES POSTING MISLEADING INFORMATION AGAINST MY TRUE CREDIT SCORE AND HISTORY. On XX/XX/2022, again, refused to receive, accept, and/or process the relative information pursuant to the RIGHT OF RESCISSION and NOTICE thereof.

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 2022-03-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX , AC # XXXXXXXX XXXX  : XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of ED/XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I lost my job due to covid ans this bank didnt even let me know or offer me assurance which caused my account to fall behind and be delinquent now I called customer service they refuse to assist me they blocked my online access they wont even mail me statements they stopped sending me so how was I supposed to make a payment without a bill I asked they refused to send me a paper statement by mail to see my balance and offer hardship Assistnaxe I was a loyal customer until this happened to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: CASH AMERICA INTERNATIONAL, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Property was damaged or destroyed property

Complaint:
On XXXX. XXXX, XXXX, I renewed my pawn contract with XXXX XXXX XXXX XXXX XXXX and the due date was extended to XXXX XXXX, XXXX. On the due date, I made full payment of US {$140.00} to redeem the pawned goods, an engagement ring ( 14K gold ) given by my boyfriend in XXXX who later became my husband until his death in XXXX. After about an hour, the pawned ring could not yet be located. The customer service personnel named XXXX took my celphone # and promised to call me once the item is found. Shortly after stepping out of the office, I returned to retake the money paid since the pawned ring was not handed to me anyway. XXXX gave me back the US {$140.00} earlier paid & erased the annotation " all ready paid '' written on the pawn contract. A male officer then wrote on the same pawn contract the words " missing will find. '' Until now, I received no call or letter from the company. I dropped by their office on XXXX XXXX & XXXX, XXXX but still there has been no update of the lost item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent collection placed on credit file with collection agency by the name of Southwest Credit System claiming to represent XXXX XXXX. XXXX was placed on my credit file XX/XX/2022. I have never had an account or done any business with XXXX XXXX or any of its affiliates. I have placed a fraud alert with all three credit bureaus in response to this fraudulent account. A credit freeze has been placed on all three credit files. I have filed an identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: CT
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 XXXX  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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX  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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-08-24
Company: BBVA FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use an app called XXXX. It allows me to receive paycheck funds early by tracking my location to tell when I 'm at work or not and can get my estimated pay for the shift I worked that same day. When my direct deposit goes into my Simple bank checking account, they automatically debit my account for what I withdrew and allow me to take more out. They 've sent me several notifications saying that Simple bank is not updating and reporting transactions to businesses and services I have my account linked with as often as financial institutions are supposed to send them. This is causing delayed balance updates and proof that I received my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: MIB Group, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX person abuse. Please review all I have sent. Promise from XXXX XXXX  that nothing will be reported in a picture semt, faxes, and emails to cancel before decision was rendered and the fact I his legal guardian was not present. As per that voided contract cancelation faxes and emails well documented on my end shows we asked to cancel. Contract XXXX XXXX  signed is not valid because he is mentally not capable of making legal decision due to XXXX XXXX. He has servere XXXX and gets lost .You can't hold a contract valid if the person did not understand what he was signing. Whoever is responding to my complaints still is not looking at legal and rights being violated by freely reporting details illegally. I have read all the responses and not all issues are being addressed .Remove the file because the contract is void. Please have your legal team look through this, and XXXX XXXX XXXX President and Chief   Executive Officer MIB Group , Inc. we are not being treated fairly. And could be bad on your company. Threat of being frivolous can be looked at by suit. We don't want to sue. We just want you to look at the whole file. No one is looking at all the facts we want someone higher to look at everything. Please come to your senses.this is XXXX person abuse. I have sent 20 things justify a delete of the file. According to the fair credit reporting act and the contract you keep reminding us about from statefarm. It's common sense that a delete is in order Whoever is responding is not treating this case fairly and unbiasedly. The whole thing has not been addressed. I looked through all responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VT
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:
My data was included in the Equifax security breach in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed medical debts posted on my credit report from AR Resources. I submitted disputes to the CRAs for valid documentation to be provided to me in writing or to be removed from my credit report on XXXX, XXXX, XXXX of this year. 

No Documentation has been provided to me in writing proving the debts are mine and that the debts are valid. I dont even know what the debts were for. I responded to AR resources contesting the the validity of the debt and have received nothing in return. AR resources is also posting the same debt on my credit report twice in the amount of XXXX. Which is showing as additional collection account. This is an improper practice. I asked the CFPB once before to have debts removed and AR Resources agreed to remove. The debts have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX, a debt collector for XXXX sent mail to me concerning payment that they claim I owe. The debt is for a bill they claim I owe XXXX for service received in XXXX XXXX. The first I have heard of this debt was when XXXX contacted me, which was in XXXX of XXXX. I contacted the New York Better Business Bureau on XXXX XXXX. They referred me to Consumer Financial Protection Bureau -complaint number-XXXX- This was my complaint : I do not agree with the bill sent to me by a XXXX XXXX for XXXX XXXX for services rendered to me almost five ( 5 ) years ago ; especially since I did not live at the location at the time of the billing which I can prove.t. I resent that they waited that length of time to contact me ; and not personally, but through a collection agency. I have tried to fix the issue with Better Business Bureau.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2022-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. Experian is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. Experian is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A

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 2019-11-30
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 Jefferson Capital Systems levied my bank account for {$6000.00}. There was no payment arrangement accepted. I offered to pay on a debt that was very old and beyond the statute of limitations in my state of Ohio. 

The debt was clearly time barred and yet the company was rude over the phone, mean when I asked questions about the debt and unwilling to work with me on payment arrangements. 

The company now is not picking up the phone when I call and the attorney XXXX XXXX is not returning my calls to discuss the matter. 

This company is not abiding by the law and needs to be stopped much like XXXX XXXX had to be years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Security National Financial Corp
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid in full my loan to XXXX XXXX XXXX. They stated that the check for the remaining escrow would be mailed in 20 days after XXXX XXXX 2017. It is being mailed out from the office in new jersey. I live in jersey. I have not received the check. The customer service agent didnt seem to know when it would be mailed out and when pressed she said it was mailed out today. i do n't believe them and there dragging there feet. Ita not there money. They do n't care. But it means alot to us.this is the email. 

Loan No. : XXXX XXXX XXXX : We reviewed your file and see that you spoke with a customer service representative earlier in the day. 

Your escrow refund check will be mailed to you 20 business days after XXXX XXXX, 2017. 

If you are refinancing, the escrow refund will need to be deposited with your new financial institution in order to avoid having a shortage in your new escrow account. 

XXXX PLEASE BE SURE TO INCLUDE YOUR LOAN NUMBER ON ALL DOCUMENTS AND PAYMENTS SENT. *** If you have any further questions, please log in to your account and send us an email through the " Message Center '' link. 

Thank you for providing us with the opportunity to assist you. 

Kind regards, XXXX XXXX Email Support Representative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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:
I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.

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