BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently had a XXXX XXXXXXXX Bankruptcy discharged in XXXX of 2021. Specialized Loan Servicing ( SLS ) is our mortgage lender since they bought our loan from XXXX XXXX over six years ago. We have always paid the mortgage on time. SLS claims our XXXX and XXXX payments for 2021 were late but that was not the case. SLS posted the payments incorrectly and we did not become aware of the problem until we received a XXXX Statement showing that we owed more and claiming that we owed a past due amount. We tried contacting them through phone calls and letters but SLS is still making the same claim. We provided bank statements showing that all payments had been made on time for the past two years but SLS is still refusing to update their records and remove the late reports from the credit bureaus. We have tried complaints to the XXXX, SLS still claims we were late two months. We have tried the credit bureaus and received the same results and no changes to our credit report. 

We have been denied a cash out/refinance because of this. Even though the lender can see the error made by SLS via our documentation we forwarded, the lender states that they have to adhere to the government guidelines and denied us the loan because of the two late payments but they did empathize with our situation. We now have to wait four more months until a solid year of no missed payments shows on our credit. We are being penalized for SLS error with our mortgage.

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 2022-08-29
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: IN
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a bank account with Santander Bank, XXXX MA. Bank allowed account to fraudulently be accessed using fake information and all my funds withdrawn. Bank states it has no lability. Then closed account with XXXX balance. I have NEVER made withdraw from the bank account. Amounts withdrawn were Fraud and bank refuses to take any action. I was told Its too bad I have lots of documents I can provide. 

Financial Loss My entire bank balance of {$1300.00} Allowed withdraw by XXXX XXXX and XXXX XXXX Santander Bank XXXX XXXX XXXX, XXXX, MA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Sequoia Financial Services
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:
SEQUOIA FINANCIAL SVCS Original creditor : XXXX XXXX XXXX AMOUNT OWED {$3400.00} THIS ACCOUNT DOES NOT BELONG TO ME AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THERE CLAIMS OR TO SEND OUT A FRAUD AFFIDATED AND HAVE YET TO RECEIVE ANYTHING IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Professional Finance Company, Inc.
State: CO
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:
I am trying to buy a house and found accounts with Professional Finance company on my credit report. I do not believe the accounts are accurate but I paid them because Professional Finance company agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This appears to be from a charged-off credit card BANK ONE, I do NOT recognize. 
The Charge-off date appears XX/XX/XXXX. 
No Complaint ever filed. 
No payment by me was made on this account. 

Starting XX/XX/XXXX, I received a Collection Letter from a MA attorney. 
My attorney mailed a letter to this attorney, requesting a copy of any Judgment for this issue. 
We never received a reply. 
Letters continued to arrive from this Collection Attorney. Finally, they seemed to cease. 

XX/XX/XXXX/XX/XX/XXXX- I receive another Collection Notice, for same original account, from a different Collection/Debt Buyer. XXXX XXXX XXXX. 

My attorney mailed a 'Cease & Desist '' letter, via USPS Certified Mail. 
After this letter, my attorney received a call from the law firm for this Collection Co. Calls back and forth went on for about one month. 
I was told these notices would cease. 

XX/XX/XXXX- I received another Collection Notice for the same account, from a different Collection/Debt Buyer, Dynamic Recovery Solutions and Accelerated Financial Solutions. 

My attorney mailed the same " Cease & Desist '' letter to these new Collectors, via Certified USPS. 

I counted XXXX Collection/Debt Buyers on this account since it states it Charged-off. 

My attorney filed a complaint against XXXX, for allowing the account to continue, and against Dynamic ( DRS ) and XXXX ( XXXX ) for not checking any status on this account before proceeding. 

In documents with these companies, my complete SS # is reflected. There is n't any redaction. I am really scared this will continue. 

Is there a limit on how often a debt can be bought and sold over time? 
This could go on for infinity, and the Debt Buyers/Collection Agencies do not seem concerned. 

I do n't have any assurance my personal information is safe. 

Help!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: Adler Wallach & Associates, Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All these amounts owed has been or should have been paid 100 % cause I have a medical card that pays everything I would love to know how to get them off my credit report cause I have been trying for a while now to establish good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXX 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 2023-01-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I hired a contractor to patch up my roof. Got the information from XXXX ( XXXX XXXX XXXX  ) I paid him in two transactions XX/XX/XXXX {$2700.00} and XX/XX/XXXX {$2700.00}. But this contractor has been using my CC information throughout XXXX. I discovered unauthorized charges on XX/XX/XXXX and reported to Citibank Branch manager. This is a Credit card that I only use for larger purchases. This contractor used most of my funds during XXXX and XXXX. He used it to accumulate a total of over {$43000.00} of charges. This contractor stole from me, and I have been trying to get the monies back from the back I have been denied twice on XXXX XXXX XXXX, they are not even trying to investigate this predictor contractor. On my last appeal which I sent them through the branch manager I they sent me individual request to submit proof that services were not rendered. 
I also requested a letter I need to take to the police precinct, and they have not provided this document. they have allowed this person too much time to use up the money he stole from my account. 
They want me to submit proof via a licensed contractor of confirmation that services were not completed on my house. The problem is that there are no services to confirm, because this XXXX stole from me. He never completed another work in my house. They can send their inspector to see for themselves. 
Citibank is not doing enough to return my money to my account. I feel violated and am desperately looking for assistance and a resolution. They did not do enough to protect my account. The two denials were done in a matter of days with no investigation and the paperwork they sent me can not be completed because THERE WERE NEVER ANY WORK COMPLETED. The only job he completed was the one roofing which he was paid for. How do I provide this proof when I don't even know what it is? 
My account was wiped out and I am being treated like I am the criminal. Please assist me in any way to get my money back and seek criminal actions against the company, Citibank has all documentation requested.

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 2023-05-08
Company: M1 Holdings Inc.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, 2023, I received an email from M1.com welcoming me to my new platform and asking me to verify my email address. I did not open this account or request any profile creation. On XX/XX/2023, I emailed help@m1.com alerting them to the fraud and unauthorized product enrollment and received a confirmation email with request ID # XXXX. I am still waiting to hear back from M1 Finance, LLC. I asked that any accounts in my name be closed, and they investigate the fraud. I continue to get automated emails from M1 Finance, LLC, asking to verify my email and other automated marketing communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/2020 my servicing provider changed and I sent a payment to the old provider and that payment was never applied. I have since been charged twolate fees in the amount of {$40.00} each and they refuse to credit me back even though the missed payment was their fault. As soon as I realized they did not properly credit the payment I sent to the previous provider I sent in an extra payment to make up for the missed one.  They still cant tell me what happened to the old payment and have not taken off the late fees either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The short story is that my interest remains capitalized on my FedLoan Servicing account, despite that it was a mistake from FedLoan Servicing. 

Background : On XX/XX/XXXX, I received notice from FedLoan Servicing that my annual Income Driven Repayment ( IDR ) paperwork was due, as it had an expiration of XX/XX/XXXX. On XX/XX/XXXX, I submitted my paperwork via an upload on FedLoan Servicing website. On XX/XX/XXXX, I called regarding a separate topic ( PSLF ) and I confirmed my IDR paperwork was received. On XX/XX/XXXX, I received written notice that my Income-Driven Repayment Plan paperwork was not submitted, and therefore my interest was capitalized and a standard repayment beginning date of XX/XX/XXXX. I called numerous times between XX/XX/XXXX and XX/XX/XXXX regarding the issue that my paperwork was submitted for the annual review and therefore the interest capitalization should be recalculated. I authorized an administrative forbearance in XX/XX/XXXX and then rescinded ( forbearance matter was resolved ). I was informed during the phone called on XX/XX/XXXX, that the interest capitalization was reversed in XX/XX/XXXX, but due to an administrative forbearance, the interest was capitalized again. FedLoan Servicing representative reported he will submit a review and this will take 7-10 business days. The 7-10 business days had passed and this matter remains unresolved. 

I am requesting FedLoan Servicing correct the interest capitalization with the last correct date of XX/XX/XXXX, due to no fault of my own. I am willing to submit documentation to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NC
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:
Victim of identity fraud need account removed from credit

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 2023-04-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
From the day I opened my American Express, Delta sky Miles card. I had text message reminders set up to pay my bill on time. After looking over one of my statements, I realized that I had been getting text message reminder sent to me two days after my due date and being charged late fees and interest because of this American Express purposely sent me text reminders after the due date for my payment and then charged me accordingly I reached out to them and they refused to do anything about it. I offered to send them screenshots and they said that they were not able to get screenshots this is the second account in which I have been lied to and the result has been me unable to continue to pay for my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-11-17
Company: P&B Capital Group, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Since we began services with PayPal 5 years ago, while trusting this company with my personal and business funds, on XX/XX/2021 PayPal has obstructed our businesses. Prior to this, my businesses were using PayPal with no issues. Come XXXX I tried to transfer funds from my PayPal to my bank account and was unable to. I called PayPal and the customer service agent told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided PayPal all the information requested and waited a few days and received no response. Transactions were still processing into my PayPal account. Days later, I receive a call that completely startled me, I was told that my account has been limited for 180 Days! That all funds in the account were on hold and non transferrable. This was the start of a large downfall for my businesses. As well as much financial troubles for my family and continues to be. We had multiple 5 figures in the account that was needed for cash flow. All orders have been delivered promptly, I provided tracking for all orders. It has been several months now, and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds soon, then not only my business will collapse, but my family will continue to suffer. I have not abused PayPal 's services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response. PayPal closed my account for no clear reason and has left me with no clear way forward. My email linked to my PayPal is XXXX. UPDATE : After waiting a full 180 days PayPal transferred themselves all the funds I have waited months for. However to my last filing they stated they will return all funds after 180 days. PayPal first held my funds and now embezzled them. I want my funds back PayPal. I will be joining a class action law suit against PayPal with XXXX XXXX XXXX. PayPal my family needs my funds returned immediately.

Company response to consumer: Closed with explanation