BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. When coming of of the forbearance plan I contacted the loan servicing company for a loan modification they denied so I contacted XXXX whom instructed them to give me the loan modification. At the time covid 19 was still very heavy in XXXX, I take care of my XXXX she came from school with covid we didnt know at the time, when she went home her XXXX called and told me that she had covid and that I needed to quarantine. While on my trial plan with the servicing company I was unable to make my XXXX trial payment on time which would have been my last trial payment. I have made the trial payment for XXXX XXXX and it was made within the threshold but the servicing company still refuses to comply I had to reapply for a new modification. I responded to the letter of denial for loan modification by email and in writing they are saying they didnt get them. At the time that I was offered the trial payment plan, I was trying to save money to bring my account current from post forbearance I had {$1100.00} dollars saved. I sent those payments to the loan servicing company because I was afraid that with school going back full force covid would flair up again and if I missed. Payment I would be secure with those payments in a suspense account. The loan servicing claims to have applied the payments to my account the same day which was XXXX XXXX, XXXX. Nothing came of off my balance due and Even-though I have a total of seven payments from XXXX XXXX until XX/XX/XXXX my balance due went up instead of down. The same day that I paid the {$1100.00} in XXXX {$860.00} dollars was removed from the account. When I call to talk to them they tell me things like Cooperate advance. I know that cooperate advance is a fee the loan services take for themselves and has nothing to do with regular things like escrow or taxes and insurance. They refuse to fix their misapplied payments which have been going on since XXXX. Trying to talk to anyone there or getting in touch with my point of contact is next to impossible. Theirs phone system do not have extension options and the email I have for him does not work, sometimes I wait on the phone for someone to answer and when they they dont have answers. I am afraid to make payments to them because no matter how much I pay them my balance goes up instead of down. Again this has been going on for over three years with the misapplied payments and they refuse to correct it or listen to me, and they refuse to all me to bring the loan current with a loan modification even after I was affected by covid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The dates of all my payment history were current and I paid about {$2700.00} in payments on the original {$8200.00} balance of the vehicle. I communicated with the dealership and turned the vehicle in because of it being over priced. Credit Acceptance stated that there was balance owed on my credit of {$9200.00} which is incorrect also a repossession appeared on my credit. I requested proof the check from the lending bank and Credit Acceptance never communicated back to 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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
To whom it may concern, I have no more choice but to report it here. I want to make a complaint against Portfolio Recovery Associates and their act of abuse.

As far as I know, under the Fair Debt Collection Practices Act, 15USC 1692 g, Sec 809 ( a ) and ( b ), Debts collections should not contact people after they were told to " Please cease and desist all calls and contact with me immediately ''.

I believe it was one of the complaint here or in another site complaint. 

In addition, almost every month, they take control of all my credit reports ( XXXX, XXXX and XXXX ) by updating the balance and status which is hurting my credit scores ( Please see the attached ) when I have never contacted them so they are not authorize to update this information without my authorization or consent. 

In addition, they are not the original creditor and the date of the account was opened back in almost 7 years ( not on XXXX ) and this account is schedule by all credit reports to close by XX/XX/XXXX or schedule to be delete it by XX/XX/XXXX. 

This is a violation! 

I am including also letters PRA sent me after request to cease and desist that they still sending this letters to me. 

According to the FDCPA the court must award you not less than {$1000.00} in statutory damages for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: SC
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:
My identity has been stolen. This information has nothing to do with any transactions I've made.

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TRANSUNION has been informed through several notices via certified mail and through the CFPB to correct the information on my consumer report. On XX/XX/2022 I sent an affidavit through USPS via certified mail and received verification for tracking number XXXX XXXX XXXX XXXX XXXX that my affidavit giving notice of violations was received on XX/XX/2022 at XXXX pm. They were given 5 days to comply within my affidavit and TRANSUNION has failed to respond in a timely manner and by law all violations must be corrected and penalty must be paid to me in the amount outlined in the affidavit.

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 2023-11-27
Company: FC HoldCo LLC
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:
I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.

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 2023-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA XXXX {$21000.00} USAA XXXX {$16000.00} These accounts are reporting inaccurate on my credit report and I have been victim of identity theft I have provided all legal proof and documents to support my claim and I request you update your system and remove all inaccurate reporting items immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion and XXXX that I was a victim of identity theft. Transunion and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Transunion and XXXX have claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-08
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm not sure why this company is still reporting on my credit consider the fact that this was taken care of, and also citi bank is not reporting who they sold the debt to. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and Equifax are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing XXXX and Equifax that I was a victim of identity theft. XXXX and Equifax are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX and Equifax have claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir/Madam Please be advised that I just received a phone call on XX/XX/2018, from a person claiming to be from Social Security, stating that my Social Security Number was suspended. The call came from XXXX, which is the actual Social Security Hotline. 

My husband also called the local police while the person was still on the phone, and we alerted the person that we were reporting him to the police for fraud. 

He gave me his name as Officer XXXX XXXX, Badge Number XXXX. I spoke to Social Security and they assured me that none of their employees have Badge Numbers. 

He stated that my Social Security Number was suspended and there was an Arrest Warrant # XXXX for the perpetrator who is from XXXX XXXX, TX. He stated the Case # XXXX XXXX and then gave me an address of : Social Security Administration XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX, MD XXXX I alerted all the credit reporting agencies and my banks so that they are aware that I have not given my information to anyone, and they should be aware that this scam exists to protect other customers. I could not get through to Experian on the phone or on their website to put a Fraud Alert on my account, and want to make sure that they do so immediately to protect my credit. However, XXXX  and XXXX have initiated a FREEZE on my credit accounts, so no one should be able to access my credit information without my permission. 

Should you have any questions or clarification, please feel free to contact me. 

Thank you for your courtesy and assistance in this regard. 

Sincerely XXXX XXXX XXXX ( XXXX ) 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 2018-08-01
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Paramount collection agency is reporting four different collection accounts on my credit report. The amounts are {$100.00}, {$100.00}, {$190.00}, and {$53.00}. The total amount is {$450.00}. According to my credit reports with all 3 reporting agencies this debt is for medical services. This debt is the result of identity theft. I have not received medical services from this company. I sent a letter through certified mail on XX/XX/2018 requesting validation of this debt. The company failed to respond however these items are still being reported on my credit report and destroying my good credit standing. I have attached proof that paramount recovery received the letter along with the letter that I mailed. Per the FCRA since this debt was not validated within 30 days as required all debt collection efforts should cease and these items should be completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
My name is XXXX 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 2020-08-03
Company: CardarelliBridgewaterandAssociates,INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CARDARELLI, BRIDGEWATER & ASSOCIATES INC contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act XXXX d Any conduct the natural consequence of which is to harass, oppress, or abuse any person
 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer

Company response to consumer: Untimely response
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer from my Wells Fargo Bank N.A. personal checking account for {$25000.00} on XX/XX/2023. Later that afternoon, I received a call from Wells Fargo customer support to verify that I had originated the transfer ( e.g. that it was not fraudulently initiated ). I confirmed those details over the phone, and this customer support agent informed me she had processed the transfer. 

By XX/XX/2023 ( three business days later ), the wire transfer was not showing in the destination account. I am submitting this claim on XX/XX/2023, since the funds are still not in the destination account. I called both Wells Fargo ( initiated ) and XXXX XXXX  ( receiving funds ). Wells Fargo indicated they had successfully completed their part of the transaction. XXXX informed me that Wells Fargo had not successfully released the funds. 

For additional context, I also sent another wire for ~ {$2700.00} to the same external account, which was available to me the following day.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 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