BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Servicing, LLC. is attempting to extort money from me to pay an alleged debt. I have tried privately to get a certified financial statement from their CEO or CFO, however my certified mail addressed to them gets a generic computerized response from a random " employee '' at their office. They use the mail to send threatening letters, claiming they have rights to sell my property if they consider me in default. After I brought my concerns to their attention that there appears to be an error with their claim, they took retaliatory action and transferred the account to another third party debt collector to take further malicious action against me and my property- again claiming they had rights to a foreclosure of my property. These third party debt collectors are conspiring to deprive me of my God-given rights to my property- they prey on consumers who do not have " business knowledge '' by sending documents with deceptive and fraudulent language you are not intended to comprehend, and is intending to be misleading, so they can get you to unknowingly abandon your property. I performed a securitization audit of the alleged account and came across the CUSIP report, detailing the value of the stock investment ( after Specialized Loan Servicing unlawfully sold the account to investors for profit ) and the value being in the millions, there does not appear to be ANY WAY I can be in any type of default or debt to them. They are GROSSLY and unjustly enriching themselves from the consumer 's lack of business sophistication to be able to spot the deceit in their documents and contracts. This corporation has already been sanctioned by the CFPB for the exact same type of fraud. It does not appear this has discouraged them from continuing to abuse consumers in collecting debts. I insist an investigation be brought unto Specialized Loan Servicing, LLC. and their partners XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. as to their business practices and specifically what policies they have instituted to prevent consumers from fraud and abusive debt collection practices. This corporation along with the other parties need to be stopped before any further harm can be done to myself or potentially millions of other consumers whose accounts these corporations may come into contact with. 
Respectfully and honorably submitted by : XXXX XXXX XXXX, beneficiary, All Rights Reserved

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 2018-02-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to make on-time mortgage payments to Standard Mortgage, my loan servicer since purchasing my home in 2009. The problem originated due to the COVID19 outbreak and was compounded by several other contributing factors such as I am employed in the XXXX industry and personal XXXXl issues. I have repeatedly contacted Standard Mortgage inquiring as to whether or not they have a COVID relief program granting home owners a forbearance on monthly loan payments. Every company representative I have spoken to has reiterated that Standard Mortgage DOES NOT have or participate in any such activities. I have offered to split my payments, one in week two and one before the billing cycle ends for the month, but they refuse to accept partial payments ; now I am falling behind on all of my other monthly bills. 

I have an XXXX  loan through Standard Mortgage which means it is backed by the Federal Government through HUD. After researching the Agency 's website, it is clear to me that Standard Mortgage is required to offer a COVID relief program granting home owners forbearance on their monthly payments. This is not the first time Standard Mortgage has refused to comply with HUD 's guidelines and I am in desperate need of assistance.

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 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of the scam and both the Bank of America and XXXX have refused to remedy the situation. 

I was selling my car ( XXXX  XXXX XXXX  ) on XXXX  at {$1200.00}. and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ). I received the check on XX/XX/XXXX and immediately deposited it via the mobile app. The buyer told me that she was moving to the Washington  DC area where I lived, and that by mistake she sent a {$3500.00} check including the mover 's fee ( {$2200.00} ). She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the mover named " XXXX XXXX '' through XXXX ( XXXX Transfer Conf # XXXX ; XXXX ) via my Bank of America account. On the following day, XX/XX/XXXX, once I confirmed, via the Bank of America mobile app, that the check was cleared and added to my bank account, I wired {$2200.00} to the mover via XXXX through the Bank of America mobile app, as directed by XXXX. Next day, XX/XX/XXXX, XXXX contacted me again, saying that her mom got injured and they had to cancel their deal, asking me to send {$1000.00} back to them through XXXX. It was the time when I checked my bank account and realized that the check was rejected, with {$3500.00} disappearing from my balance. I immediately called the Bank of America, which confirmed that the check was fraudulent. I asked the Bank of America to cancel my {$2200.00} XXXX transaction, but they insisted that the transaction was authorized by me and that XXXX has no fraud protection. In the end, I lost a total of {$2200.00} to this scam, and the Bank of America has refused to refund the lost money. 

My complaint is twofold : 1 ) The Bank of America cleared and posted the full amount of the check ( {$3500.00} ) on XX/XX/XXXX, which misled me to believe that the check was genuine and therefore to arrange the XXXX transaction. The bank then suddenly put the status of the check on hold in the following day ( XX/XX/XXXX ), with {$3500.00} debited from my balance. Why did the bank clear and add the deposited money to the balance without fully confirming the validity of the casher 's check? 2 ) The Bank of America insists that the explanation about the lack of the fraud protection in using XXXX in the " terms and conditions '' before a user uses the service for the first time. This is clearly not enough : I had no idea about the lack of protection, and the warning must appear in a far more conspicuous way before every transaction.

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 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HAPPY WEEKEND MGR ; : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Account Name : Capital One Account number : XXXX As I am looking at my credit report, to my surprise XXXX and XXXX are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and XXXX is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and XXXX is not reporting a close date. XXXX is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: HCFS Healthcare Financial Services of TeamHealth
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was discharged through my bankruptcy, however, it is still reported as negative on my credit report for 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
Consumer complaint received 2020-12-18
Company: Experian Information Solutions 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:
Very early on the morning of Thursday, XXXX XXXX, 2020, I awoke to an alert that has been sent at XXXX XXXX from Experian, explaining that a hard inquiry had been registered on my credit report. Since I had not made this inquiry myself, I contacted Experian to contest the hard inquiry. I was further advised to file this report with the CFPB.

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 2019-07-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and G.L.A Collection Company has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

XXXX reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, 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:
CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX XXXX from XXXX, Cancelling Debt. The issue of a XXXX to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX XXXX to me and provided the same to the IRS. After XXXX issued the XXXX XXXX, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Block, Inc.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am missing money from my cash app account with no transaction history to justify transactions. I received a direct deposit of XXXX last night, spent XXXX for rent, XXXX for XXXX XXXX and transferred XXXX to my savings. That should leave me with about XXXX in my checking and not XXXX. When I contacted cash app the response was " Thank you for reaching out. We understand the importance of your funds. A technical error that occurred between XX/XX/XXXX  and XX/XX/2023 impacted one or more of your Cash Card transactions.During that time, merchants that you used your Cash Card with successfully received payment but the funds were not deducted from your account. As a result, your account balance was temporarily higher than it should have been because your payment to the merchant did not decrease your account balance.The balance you're seeing now reflects the amount we deducted to recover these funds and successfully complete the payment ''. How ever they are not able to provide me with which transaction or merchantts experienced the issue and what dates would have actually been affected. The transaction history they show is false as it does not reflect this " issue '' they describe, which is inaccurate financial records and reporting. If there was an issue with payments they should be able to provide the exact dates, times, and merchants that experienced the issue, and they should reflect transaction history to show such errors. Financial institutions should be reporting accurate history involving any transactions and updated errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the 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 1666B : 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 explanation
Consumer complaint received 2021-09-16
Company: North State Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This makes the second complaint against this company. Northstate is still sending information about a negative remark of some sort to the credit bureaus. Their excuse at first was that I was paying too early and needed to pay a day or two before the due date, so I began doing that. For the first month, I didnt get the negative remark. Now, once again the remark has reappeared on my credit information. I pay on time and have always prided myself with paying as early as possible for this company. Each month, I have to dispute this information with the credit bureaus and it has become such an unnecessary hassle. I constantly have to check my credit because Im afraid that this company has once again applied a negative remark. The company accepts no responsibility for applying a negative remark and always ensures me that I am an outstanding customer. I need this issue to be fixed and will continue complaining until it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$55000.00}, XXXX XXXX Balance : {$19000.00}

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 2022-04-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as XXXX XXXX XXXX. Which is not one of the 3 recognized agencies. My score was XXXX XXXX less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score XXXX points less from the other agencies. I argued with them that according to the 3 agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.

Company response to consumer: Closed with explanation