BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received notice from XXXX Mortgage Servicing that my mortgage was being transferred to Specialized Loan Servicing LLC ( SLS ), XXXX, CA as of XX/XX/2021. Unfortunately I had already made a partial ( bi-weekly ) payment of {$3000.00} to XXXX for my XXXX payment. I have been told by SLS representatives that my mortgage information has been completely received from Shellpoint since XX/XX/2021 ; however, I am still unable to access my loan account via their management portal and unable to setup automated payments. 

I am being told the partial payment can not be applied to my account until a full payment is made. I have already made the other payment of {$3000.00} via my XXXX account but SLS is stating that, that is unacceptable that I must pay them directly via the phone. As I am unable to access my account and would have no proof of payment, I am unwilling to make a payment that can be lost or inappropriately applied. Additionally I have been told that I can not make bi-weekly payments unless I do it through SLS ; but, again, I can't even set that up as I have no access to my account. 

I have spoken with different representatives numerous times but am unable to get the same person so I am forced to start all over again and the issue is never resolved. I have been told it will take any where from days to weeks to get this resolved. When asked to speak with a manager or supervisor, I am flatly refused. I have been threatened that I will get late payments on my financial record even though the transfer is protected federally for 60 days. That being stated it has already been 18 days with no resolution. 

Please help me resolve this issue

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 2023-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XXXX and Experian after I purchased a credit report with XXXX on XXXX After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XXXX I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2023-04-03
Company: EQUIFAX, INC.
State: CA
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:
Regarding Equifax ... It is EQUIFAX 'S duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 7 inaccurate accounts on my report/file. 

( 1 ) XXXXXXXX XXXX XXXX  Acct ending XXXX ... .... {$3000.00} ( 2 XXXX XXXX XXXX Acct ending XXXX ... ... ... {$4100.00} ( 3 ) XXXX XXXX Acct ending XXXX ... ... .. {$9900.00} ( 4 ) XXXX XXXX XXXX Acct XXXX XXXX ... ... .. {$4200.00} ( 5 ) XXXX XXXXXXXX XXXX Acct ending XXXX ... ... .. {$15000.00} ( XXXX ) XXXX XXXX XXXX Acct ending XXXX ... ... .. {$11000.00} ( 7 ) XXXX XXXX Acct ending XXXX ... ... .. {$5700.00} Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Equifax written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me as this is a result of identity theft which has been reported already. I do not recognize this merchant nor have I ever done business with this merchant. I keep getting harassing calls from this Merchant or debt collector. The debt collector did not also follow the lawful process of sending formal mail to my address before initialing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 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
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
In 2011, I purchased a vehicle using Wells Fargo for the loan. My payments were set up on auto pay. I had gap insurance that I was paying the car was almost paid off. The payments were up-to-date and they repressed my car after many attempts to contact Wells Fargo, and figure out why they repossessed my car. The issue was never resolved. Now I have read information online that this happened to a lot of people and there is a lawsuit being settled, but the Wells Fargo representatives told me that I was not eligible for the lawsuit I feel like my situation is exactly what the lawsuit is describing. They recently sent me a check for {$41.00} claiming it was an overpayment from my auto loan. Not sure how I have an overpayment when my car was repossessed for delinquent payments

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 2023-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These fraudulent accounts do not belong to me XXXXXXXX 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 2023-02-15
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive disputed REPEATEDLY with Experian the several affirm accounts showing charged off on my credit report!! They keep lying to the XXXX and say that affirm is not on my report! How coincidental is it that a dispute was opened the same day they said that to the XXXX that I did NOT open. Plus, the dispute process is one sided! Why have a dispute if you always side with the business!! I have proof!! I have also filed with the attorney general!! I will continue to dispute until this is resolved!!

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 2023-09-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father passed away XX/XX/XXXX. He had a CD that was supposed to be transferred to me after his death along with a savings account. I never received it. I visited FNB in early XXXX of XXXX to see if I could speak to someone in regards to the CD and savings account that was suppose to go to me upon my fathers passing but I was turned away. I tried calling First National Bank XXXX XXXX in XXXX of XXXX. I left a voicemail for XXXX XXXX, who works at XXXX. My father gave me her business card when he was alive and told me that she was who he worked with. I left a voicemail for XXXX XXXX to please return my call. I have yet to hear from XXXX XXXX. 
I recently visited FNB and asked for advice on how to handle this issue and a bank teller told me that there was nothing that they could do. 
The XXXX was for {$48000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CCS Financial Services, Inc.
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:
CREDIT COLLECTION SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Their investigation did not fix an error on your report

Complaint:
I've tried to fix an error that is reporting to my Equifax and XXXX report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXXXXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are not removing there info on my consumer report 15 us Code 1681 sec 602 a ( 2 ) they did not have my written instructions to report on my consumer report and without my written instruction they can not even discuss my info 15 us code 1681 privacy so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been infringing on my privacy and Im not accepting there responses all of these named entities are in violation of multiple of my rights

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 2023-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance ( Lender ) FAILED TO PROPERLY APPLY PAYMENTS MADE ON LOAN made by BORROWER and changed loan agreement to apply payments on account as interest bearing rather than on the balance as BORROWER signed too! Lender DEMONSTRATES BAD BUSINESS PRACTICES and fraudulent credit reporting attempting to obstruct borrower from paying loan off early. LENDER CHANGED the loan agreement after BORROWER cancelled the two contracts lender insisted it buy. The balance should've been {$14000.00} on XX/XX/XXXX, with payments deducted from the balance, all payments made to date have been paid in INTEREST BEARING only, unbeknownst to borrower until yesterday XX/XX/XXXX. This is predatory lending and fraudulent bad business practices.

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 2023-09-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My escrow account was charged {$7200.00} on XX/XX/2022 for not having property insurance, proof was provided as requested ( on 2 seperate occassions ). TD Bank acknowledged receipt and was to refund the charge. I have called and corresponded with them and they claim that the money was returned. However they are not providing me with where and when it was returned and I haven't been able to account for it. The last I spoke to them they were to provide an accounting and all I got was an escrow statement but the credit of {$7200.00} is still not accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navy federal has been contacted due to unidentified account. Was asked to remove account immediately as it is detrimental to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Account Resolution Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Resolution Corporation- Open Balance {$1000.00} ( which changes by a dollar plus or minus periodically ) Original Creditor- XXXX- Opened XX/XX/. 

I have disputed this collection ; I have requested proof of debt. I have received nothing from this company and have no knowledge of this account. The company periodically changes the account balance plus or minus {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 has violated my rights. 15 U.S.C 1681 Section 602 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 an account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-13
Company: VALLEY NATIONAL BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I put thru an external recurring transfer of {$160.00} into checking acct. On XXXX I received an email from valley stating the funds would be in my XXXX  acct in NC on that date. I waited that day it never came. On XXXX I called valley and they said transfer would take place in XXXX. I said I couldnt wait that long. I was walked thru the procedure to do another external transfer for one time only and then after that went thru to cancel the recurring transfer. I did exactly what the rep told me. On XXXX I checked my valley acct and saw the {$160.00} was taken out but it wasnt in my XXXX  acct. I also saw that another {$160.00} was taken out of my acct which only had a balance of {$7.00} along with a {$30.00} overdraft fee. This left my acct with a negative {$180.00} balance. I immediately called valley and spoke with XXXX who said she would straighten out. A few days later I received two transfers of {$160.00} to my XXXX acct. I did not get the {$7.00} balance nor a chargeback of the {$30.00} fee. I never heard of any back approving 2 {$160.00} transfers when there was only {$7.00} in that acct. I proceeded exactly as the valley rep told me and due to her incorrect info was charged {$30.00}. I told valley if I didnt receive the {$30.00} by XX/XX/XXXX I would file this complaint. I had to write a check from XXXX for {$190.00} and mobile deposit in my valley acct in NJ because valley told me I would continually get recharged {$30.00} until the acct had a positive balance. I cant understand why valley wouldn't have emailed or texted or called to inquire. Why would I try to take {$160.00} out of an account that I just received {$160.00} from knowing the balance was {$7.00}. This is ludacrious.

Company response to consumer: Closed with monetary relief