BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to complete a recast of my Mortgage with Freedom Mortgage and the company has delayed the recast in an unacceptable time frame. I originally contacted Freedom explaining that I wanted to complete a recast with a payment of {$240000.00} towards my principle. I was instructed to mail a check for {$250.00} and a letter requesting a recast. I mailed letter and check on XX/XX/22. Freedom misapplied my check as a partial mortgage payment. After several calls they reapplied the funds. I reached out to Freedom several times to obtain a contact person for the recast with no success. I wished to increase the amount I was applying for the recast to {$250000.00} but I was leary of sending the funds without a contact person to confirm the process as my {$250.00} earlier check had been misapplied. XXXX XX/XX/22 I received a letter from Freedom stating they were unable to complete the recast as they hadn't received the curtailment to principle and that my loan was being transferred. I again contacted Freedom and was told the loan would be transferred within 30-60 days and that I could complete my recast at that time. Sixty days passed without any further communication from Freedom about completing my recast or informing me of a new mortgage service provider. I again contacted Freedom on XX/XX/22 and spoke with teller # XXXX who looked up my account, read the letter about the service transfer and instructed me to mail another check for {$250.00} with a letter requesting a recast. I mailed another check for {$250.00} and another letter requesting a recast. Freedom cashed my {$250.00} check, and on XX/XX/22 I received a call from XXXX teller # XXXX telling me again that Freedom would not complete the recast as my loan is scheduled to be transferred in XXXX. Since the letter from freedom on XX/XX/22 I have made mortgage payments for XXXX, XXXX, and XXXX and will have to make another one in XXXX if this does not get resolved in a timely manor. The amount of funds I wish to apply towards my recast of {$250000.00} should lower my mortgage payment by aprox. {$1200.00} a month. I will have made at least 4 additional mortgage payments that were unnecessary if Freedom had acted in an appropriate manor. If Freedom can close on a purchase or a refinance in a few weeks why should it take XXXX+ months to complete a simple recast? This is not fair to the consumer and a deceptive business practice.

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 2022-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In Regards to case complaint # XXXX and attachments response from XXXX XXXX via cfpb, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX stated that, I XXXX XXXX , was given all proper documentation from XXXX XXXX legal counsel XXXX XXXX XXXX XXXX XXXX XXXX towards this alleged debt. XXXX XXXX stated, '' For your reference, Ive attached a copy of the XX/XX/XXXX letter we sent you attaching your Retail Installment Contract, Declaration Acknowledging Electronic Signature Process, and payment history, as well as the notices we sent you during and after your vehicle was repossessed and sold at auction. I am requesting specific proof about the mailing of notices before and after sale. I have been REQUESTING THESE DOCUMENTS from day one, I have never received anything by mail during the appointed time that your company and attorney claimed you sent to the address : XXXX XXXX XXXX, XXXX, CT XXXX. XXXX XXXX stated that, on or about XX/XX/XXXX, A NOTICE OF REPOSSESSION/NOTICE OF RIGHT OF REDEMPTION and so on WAS SENT TO ME VIA USPS CERTIFIED MAIL WITH TRACKING NUMBER XXXX. If you take a look at that tracking info it is unrelated to this case or issue. I will attach. According repo Laws, XXXX XXXX Violated the FDCPA. In addition, XXXX XXXX claim that Credit Acceptance Corporation is not a " debt collector '' under the FAIR DEBT COLLECTION PRACTICES ACT, WHICH THAT IS FALSE. AS PURSUANT TO 15 USC 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Also, lets set the record straight my signature and initials is not any where on that alleged " contract '', I have been requesting an original contract with my wet signature. Like I said when I request information from your Counsel they state they only have copies. They cant show me anything original, how is that valid? You stated that your counsel send me documentation or correspondence through mail where is your proof of that? That's all hearsay. I will be taking this case to federal court with proof all violations of my federal consumer 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 monetary relief
Consumer complaint received 2023-07-16
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:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. 
Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

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 2023-02-08
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aspen National Collections acquired my 2022 unpaid maintenance fees from Vacation Village a time share that I foolishly signed up for and only use used once maybe 15 years ago. The account representative XXXX XXXX set up a payment schedule to discharge the debt ( now much larger due to their fees ) where I would make 2 payments of {$500.00} in XXXX and XXXX, and XXXX final payment of {$200.00} in XXXX. This was done. 
Thinking this burden was behind me I was shocked to get another bill dated XX/XX/XXXX for XXXX. The letter stated that suitable arrangements had not been made, plus that I was responsible for interest that accrue day to day. I called immediately. They blamed a typo for the issue and stated that the original agreement was a mistake. 
They said they always manage collections in equal payments and any recollection on my part of the rep saying otherwise at the time he set up the schedule was wrong. They made no acknowledgement of any fault on their part and proceeded to threaten my credit and warned that the balance will only get bigger the longer I resisted payment. 
Aspen is bad at Accounting and unfaithful to their agreements. Their fees are predatory and they callously advise debtors to open credit cards to pay collection debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

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 2022-09-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I received two deposits in my Wells Fargo checking account, one for XXXX dollars for " CREDIT FOR FEES ASSESSED IN ERROR '' and one for XXXX cents for " PAYMENT FOR TIME WITHOUT FUNDS OWED YOU ''. At no point did Wells Fargo notify me about anything regarding these charges, not via mail, not via phone, not via email, not even via their online message system. I called and spent an hour on the phone, finally reaching their remediation team, who told me that Wells Fargo had conducted an internal review of all their transactions between XX/XX/XXXX and XX/XX/XXXX and that an error was discovered which caused them to credit my account. They could not tell me how much of my money was affected, the nature of the error that caused me to lose funds, how long my money was gone, why this error occurred, or why I wasn't notified. I asked those specific questions multiple times. Wells Fargo messed up my money, kept it for an unspecified amount of time, and then threw XXXX cents at me, hoping I wouldn't notice the issue. I want answers to my questions ; what was the error, why did the error occur, how much of my money was affected, how long was my money gone, and most importantly, WHY WASNT I NOTIFIED. If I had accidentally stolen money from a bank, it would not have ended with XXXX cents and a nonexistent apology. It's unacceptable for a bank to act this way.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: NC
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 is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00}.

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 non-monetary relief
Consumer complaint received 2022-01-07
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Just called today about modification a Shellpoint rep XXXX XXXX XXXX ext XXXX said UNDER 30 DAYS BOGUS SEE PROOF OF ONE FAXE XXXX have XXXX proof also and was emailed!!!!!!!!!!!!!!!!! Was never legally under review all BANKS SAY UNDER 37 DAYS WAS THERE PLENTY OF TIME!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 On XX/XX/2022 I was scammed by someone portraying to be from my power Company stating that my power will be shut off in 30 minutes. He sent me a text to confirm that he was from XXXX and he knew my exact balance ( {$180.00} ) I said that I can make a payment to stop my power from being turned off. He said that they will only accept payment through Zelle, because Zelle is linked to your bank and they are there to protect you so that if someone was scamming you, then XXXX would notify you immediately.. I was unfamiliar with Zelle but remembered seeing it when I got on my mobile banking app thru XXXXXXXX XXXX. So with him knowing my exact balance, sent me a text with a verification code and explained how XXXX was there to protect me, I bought it. I thought back to when years prior XXXX would call me when there was suspicious activity and even closed my debit card on XXXX XXXX due to fraudulent activity. 
I was already late for work and so I started with {$100.00} payment, he said XXXX said you have to send {$180.00} then he said you actually have to send the full balance of {$180.00}. He said he'd refund the other transactions. My total payment was {$470.00}. 
When I got to work and tried calling the numbers that he called me from the numbers were disconnected. I contacted Zelle immediately, they said to contact my bank, So I called XXXX and they stated that they would have to wait until the transactions posted to my account which could take 24-48 hours. I also contacted the XXXX Police Dept., FBI, Attorney General, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NY
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:
I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I am still having difficulties for XXXX XXXX XXXX. to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. I am being taken advantage of badly by this fake company.

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 2020-10-05
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I paid my medical bills with XXXX XXXX. The collection company that had the accounts is Credit Collection Services in the amounts of : Account # Amount XXXX {$97.00} XXXX {$150.00} XXXX {$150.00} XXXX {$97.00} Two of the four accounts have been deleted but the other 2 still remain. I have attached a screenshot of my payment email from the original creditor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Looking to get all inquiries from transunionXXXX to be removed they were not authorized by me

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 2022-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Has no knowledge of this account and belief it to have been opened fraudulently He has contacted your company on multiple occasions demanding a request for deletion of the account be sent to the credit reporting agencies for which your company is reporting Again, my client has no knowledge of this person or address and therefore did not give consent to open an account with your company nor is he aware of this individual.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
I have an unauthorized hard inquiry that was obtained without my consent, it is not opened to an account. I want this inquiry removed immediately. This inquiry is XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX

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