BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
{$3000.00} legal matter in XXXX county. I 've never been there in my entire life. It 's not me! There 's XXXX of us with the same name in my family. Everytime something happens it somehow falls on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This company, Select Portfolio Servicing , Inc ( SPS ) is a mortgage loan servicer. 
The company calls our phone number, a cell phone as early as XXXX in the morning repeatedly. We have asked them to stop XXXX times. We have been patenbtly clear they are calling early. 
They claim since the phone they 're calling has a XXXX area code ( time-zone difference ) they do not have to stop. Even though all our account information including the mortgage property address is in California and always has been. On occasion they apologize and say they 'll resolve the issue. They do not/have not resolved it. Occasionally SPS is combative and claim no responsibility to solve the problem. 
We need to communicate on that phone but not before 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been since XXXX of 2016 requesting a short sale I have been working with SPS, I Have submitted many complaints to try to get the problem of SPS asking repeatedly for document 's they say need to be updated only do to SPS not processing them in a timely manner, as of XXXX/XXXX/16 the complaint I submitted was answered ( with SPS needs more updated document 's ) ( that is the Complaint ) it has been almost a year. on XXXX/XXXX/16 I was referred to the Ombudsman XXXX. to expedite the paper work for my short sale request. I have spoke to a number of people in the Dept. the last to be supervisor XXXX XXXX XXXX who on XXXX/XXXX/16 I was told I would have a answer, in XXXX to XXXX hours since then, I have not been able to get a phone call back and I did not receive a answer but I did get a request for more updated document 's, on XXXX/XXXX/2016 my biggest concern is that SPS has required the title company XXXX XXXX ) different times to change the PRE HUD this last request is that line XXXX be correct to have a number that Bank XXXX XXXX gave them as a payoff amount 8 months ago, be changes, this is a Pre Hud the numbers are not to the penny, and will not be XXXX SPS has a closing date I have spoke to Bank XXXX XXXX, they close the file, in 30 days by law iff a short sale is not completed. SPS has cost me to lose my lawyer to represent me, due to the repeated request for updated document 's, they have had XXXX XXXX XXXX restart my file over many times, causing the realtor, to redo there part of the short sale, and my husband and myself costing me money to keep the unit overhead paid every month, that we do not have. I have now had to go to a debt consolidation firm to help with my bills, I need this to be over with. 
I have been not able to get a return call from XXXX XXXX in the XXXX XXXX. to tell me what happen. 
I have made many complaints, and I get the same response fro SPS we need more document 's updated, I am hoping this time XXXX XXXX will contact me, with a solution to this on going problem. 
it has been 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have filed QWRs with both of my mortgage holders. I believe that the response I received from both companies does not meet the legally required guidelines that have been set forth. They seem rather condescending and unwilling to provide the requested information. I do n't believe that said information is proprietary or restricted in any way, after all it is my loans that we are discussing. 
I would greatly appreciate any assistance in obtaining my requested information from these XXXX companies. I would like to know the legal status of my loansl I have attached my initial correspondence with both companies. 
Thank you for any assistance you may be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 XXXX  refunded my account {$190.00}. The refund clearly shows in my completed transactions on my American Express Serve card. That same day, Serve put a " Merchant credit review '' hold on the account. I called Serve on the XXXX of XXXX to find out why this was there as the the refund was already posted. They stated that XXXX ' bank is the one that put the hold on the refund. I called XXXX who stated they did not put a hold on the funds and they went as far as to check with their banking division to ensure something did not occur. It was confirmed to me XX/XX/2022 that XXXX had absolutely nothing to do with this " Merchant Credit Review '' hold and it was in fact American Express Serve that is doing this to me. You can not put a hold on credits or refunds. It is now 7 days later and my funds are still not available. They do not have the right to hold a refund the way they are doing this and claiming its a " Merchant Hold '' when it has been confirmed that it is not. It is obvious in the completed transactions that the refund was processed on the 15th and the hold is still in pending as of the 15th per the screenshot of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Credit Protection Association has been calling me for the past week with an automated call telling me that I owe a debt. A debt for what I do not know. Even if I answer them when they call ( and they may call several times a day ) all I get is a recording asking for an account number. They ask for an account number that should be listed on a letter, however I have never received any letter from any company by this name. Their automated system also allows to find your account number based on your phone and zip code. However when I enter this number all the recording tells me is that my account is closed. 

I have no idea what this is about, I just want it to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T ) 23826****, 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 instruction.

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 2022-04-22
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
XX/XX/2022 I deposit a Western Union check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} MO # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. XXXX XXXX stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to WU. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called XXXX XXXX again on XX/XX/2022, explaining what WU sent me. 
The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a manager or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers MO # XXXX Amt {$500.00}, MO # XXXX Amt {$50.00}, and XXXX XXXX Amt XXXX. Please have the fee waived on all 3 money orders and include {$30.00} additional fee for the previous money order that caused my account to close for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: National Principal Group, LLC
State: WI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Several of my family was notified that I had an outstanding loan from a Pay Day Lender. I never received or applied for. The name of the collection agency is National Principal. The phone # for them is XXXX. The address is XXXX XXXX XXXX. XXXX, NY. XXXX. The origionating loan supposedly came from XXXX XXXX. They claim that this loan was deposited to my bank acct. in XXXX. However, that acct. has been closed for 9 years. They called all of my family clearly stating that I was in legal trouble and to have me call them immediately to settle this matter before arrest. This loan was never applied for or taken by me. I spoke w/ my credit union and they have NO transactions in my name from either XXXX XXXX or National Principal. Incidently, they used my husbands SS #, my closed bank acct. and My 3 year old email address ( which was hacked and has been closed for 2 years ) to say it was me who took out this loan. They harassed my family, left threatening phone calls and threatened me w/ arrest. They offered to settle the acct. for {$500.00}. Fortunetly I did some research first. National Principal was so threatening I believe that someone may pay them just to get rid of their terrible harrassement. DO NOT PAY THESE PEOPLE. They are experts at getting your information, such as family phone # 's, SS #, bank accts. etc ... give them NO information! I am reporting this activity because we were led to believe that perhaps someone in our family had deceived us and taken out a loan in our name. NOT true. It caused a lot of stress and worry. It is a fraud and our XXXX XXXX was wonderful in helping us sort out this mess. Please, someone check into this and stop these people from harming more families. 

Finally, we never received a loan or monies of any type. It was stated by their " associate '' that the money was deposited and withdrawn from our acct. Our credit union proved to us that this did not happen. We at no time received a dime from this or anyother Pay Day Loan company through our XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: OH
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 Account # XXXX, has violated my rights. 

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

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

Company 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters on a few more occasions but still no response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that does not protect my rights under the fair credit reporting act.

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 2020-08-04
Company: DISCOVER BANK
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 status incorrect

Complaint:
On XXXX XXXX I contacted Discover customer service through their website chat application. I had received a 30 Day late report and I wanted to avoid further delinquency on the account. I told the agent who I chatted with that I was unable to pay the full balance on the account due to continued hardships due to Covid 19. I then told the agent I was unable to pay more than {$120.00} of the balance due. The agent stated they would accept the amount and then offered me a payment reduction plan that would lower my interest rate and my monthly payment and if I would be interested. I inquired if this would result in my account being closed and was told it would only be a suspension. I agreed to the disclosed terms of the agreement and authorized a {$120.00} payment. I then asked the agent if that payment would apply to the XXXX payment or if I would need to make an additional payment. He responded correct and that my plan would update to reflect the agreed up on {$100.00} payment for XXXX. On XX/XX/XXXX I received an email notification that there was a change to my credit file. When I reviewed my credit file Discover reported a 60 day past due on my account. I again contacted Discover through the Chat feature on their website and was informed that the arrangement I made did not stop the delinquency and it would continue to report. When asked why this wasnt explained in the XX/XX/XXXX Chat the agent apologized and stated there was nothing that could be done. I further asked why wasnt I afforded deferment or some other relief as that was the reason I contacted Discover to prevent further delinquency I have yet to get a reasonable explanation. I was informed by the agent that when asked if I could make a payment and I stated not more than {$120.00} that was an offer of deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Santander Consumer USA 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:
good afternoon dear agency : I suffered a fraud when I took a taxi I forgot my wallet inside and someone stole my cards and they used them to do various things because they bought a lot of things in my name I called the stores to cancel they didn't cancel instead I got a lot of calls from companies every day they are calling me asking me to pay the bills and it was not me who bought them please i want you to delete all these fraudulent accounts that are on my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.

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