BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  loan modification ( #  XXXX  ) approved by   XXXX    XXXX   XXXX  and or Specialized Loan Services,  LLC, ( SLS ) , which required {$1300.00} monthly payment, on   XX/XX/XXXX   called (  XXXX   XXXX  ) spoke  to  XX/XX/XXXX   who confirmed payment amount and about leaving payee line blank on checks, First payment made before  XX/XX/XXXX   and sent with copy modification payment page with hand written acknowledgement of the "  XXXX  '' statements, every payment made before due date  ,  SLS continued to cash said payment for  XXXX   XXXX  years,    XXXX   XXXX  , SLS  stopped cashing payment and entered property into foreclosure status,  XX/XX/XXXX   when questioned SLS '  XXXX   (   XXXX   XXXX  ), stated payments were n't cashed because the cause wrong amount was paid and, stated in fact, monthly payment should have been {$2000.00}, because SLS conducted appraisal after modification agreement was signed and determined account needed additional {$650.00}, he acknowledged amount is not listed in modification agreement, also no address was provided to mail new/added appraisal amount,  as  a result  XXXX  stated account was {$37000.00} in arrearage and would have to be made to bring account current and out of foreclosure. I should be able to rely on the amoun t SLS  agreed upon in our loan modification agreement and they should not have people confirming payment information if they are not professionals in mortgage business. This is a deceptive and dishonest practice and should not be allowed to happen.

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 2017-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously had a lien on my credit report that had been withdrawn by the lienholder ( XXXX ). The item was removed from my credit report several months ago and now  reappears on my credit report, dragging my score down as well. The validity and accuracy of Equifax as a viable reporting agency needs to be looked into as this type of error should NOT even be possible, not even once. This is NOT something I would want to see on my credit report just before I go apply for a mortgage. This is COMPLETELY ridiculous and unacceptable! I am just livid that this could even be a possibility! What is the point of credit reporting if it is n't even accurate and can not be verified as accurate???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
Original dispute was submitted to the CFPB on XX/XX/2020 case # XXXX Experian gave me a bogus response saying I did not submit this on myself, that is a total stall tactic I now demand it gets handled this time my name is wrong and the previous addresses do not belong to me see letter attached to explain

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/23, I made an international transfer of {$480.00} using Moneygram to my sisters bank checking account. Per transaction receipt, funds should have been available on XX/XX/23 but the recipient apparently never received the money. On XX/XX/23, I called Moneygram and filed a claim in regards to the funds not being received. On XX/XX/23, Moneygram issued an email stating, After conducting our investigation, we have determined that an error may have in fact occurred with your transaction. Kindly note that the transaction was credited on XX/XX/23. As such, you are entitled to a refund in the amount of XXXX ( USD ) .... I emailed them back stating that I did not understand the resolution since the transaction was initiated on XX/XX/23. So, I filed another claim to appeal their resolution. On XX/XX/23, Moneygram stated that, After completing our investigation, we have determined that an error as defined under the Remittance Rule has not occurredpartner confirm that the transaction was successfully deposited to intended receiver account. I checked with my sister if the funds from the XX/XX/23 transaction ever came and she verified that it NEVER did. As of now ( XX/XX/23 ), I am still waiting for Moneygram to send me the support documents for their resolution and they said that it would take 30-90days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The send me a threatening letter about my loan in default when it is not! 
They say it's from 4 months ago but i gaff paid it? 
AlsoI 'm laid off per the governor I'm a XXXX in a XXXX and they say people are still working! Cleaning crews i guess, they want paperwork that doesn't exist to stop making my valve negative. 
Basically telling me to bad nothing i can do and they'll just keep hitting my negative account costing me a fortune! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the SAVE repayment plan initially on XX/XX/XXXX. Through this application, I was given an estimated monthly payment of {$460.00}. I also received an ecorrespondence from my loan servicer, Edfinancial, on XX/XX/XXXXXXXX  that stated that my student loan repayment amount has changed and my new payment amount is {$280.00} due on XX/XX/XXXX. This letter also stated that my federal student loans have been removed from the SAVE plan and placed on an Alternative repayment plan, stating that they did not receive my complete recertification application and income documentation by the deadline noted in the reminder communications sent to me. Unfortunately, I have searched high and low and can not find proof of any reminder communications sent to me from Edfinancial, including through my personal email, physical mail, or the inbox on the Edfinancial website. The only " reminder '' I could even guess was related to this matter is on my home page of Edfinancial and it states that my " Income-Driven Repayment plan is due to expire on XX/XX/XXXXXXXX  ... '' This date is clearly not a real date?? Also, my current amount due on XX/XX/XXXX is now {$510.00}, which is neither amount that I was told by the SAVE application OR Edfinancial themselves. I also see no indication on Edfinancial that this {$510.00} amount is representative of the SAVE plan. On studentaid.gov, it says that the application that I submitted on XX/XX/XXXXXXXX  was somehow reviewed on XX/XX/XXXXXXXX  by my loan servicer but then the review of the application was completed on XX/XX/XXXXXXXX  which does not make any sense unless Edfinancial can somehow go back in time. I attempted to email/contact Edfinancial several weeks ago about these mismatching monthly payment amounts and I have not heard anything back. I attempted to call them and was told that the estimated wait time was upwards of 900 minutes, which I don't have time to wait for. I also submitted another SAVE plan application earlier today ( XX/XX/XXXXXXXX  ) and was told the same estimated amount of {$460.00}.

Company response to consumer: In progress
Consumer complaint received 2023-10-03
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I graduated from school XX/XX/2023, and applied for XXXX program for my loans. I have 3 loans, 1 in deferment, 2 say I'm still " in school ''. I've been reaching out to Edfinanical to fix this and take me out of in-school status, so I can consolidate my loans and go into the XXXX program. I have been reaching out to them multiple times via calling and email since XXXX. No one ever picks up the phone, the wait times are ridiculous like 500 minutes, and on the rare chance that I do get a callback, my request only gets forwarded without any response. It has been two months and now there is interest accrual which is getting capitalized from XXXX, and still going in XXXX. There has been no reply, I have not been able to consolidate my loans and go into active repayment and into the XXXX program.

Company response to consumer: In progress
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-10
Company: Bread Financial Holdings, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2002, a payment was made in error to XXXX XXXX  that should have been made to Comenity Bank. XXXX had recently sold my credit card account to Comenity. Comenity uses Bread Financial to process electronic transactions. XXXX XXXX XXXX XXXX 's mobile bill pay the funds left my checking account and was received by XXXX. I reached out to XXXX who advised such a transaction would be forwarded to the trailing institution. Nobody knows where the funds have gone. XXXX & XXXX has provided proof that the funds left my checking account, XXXX claims to have provided proof Bread financial last had it. Comenity claims to never have received it. It appears Bread Financial lost the funds. This has been investigated by the above companies and XXXX Bill Pay for almost a year. Meanwhile I lose {$4500.00} and countless hours of frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: West Realm Shires Services Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I believe West Realm Shires Services, dba FTX.US is in violation of the Electronic Funds Transfer Act ( EFTA ) by failing to make funds available to me by the disclosed date of availability. FTX is holding cash funds that belong to me, without communicating in any way when they will return my funds. These funds comprised over half of my families life-savings. As a young family with two children under 3, I can not express how significant of an impact this is. This is my girls ' college funds.

I withdrew from my cash account balance via the FTX.US app, via one ACH transaction of {$11000.00} to be sent to my bank account at XXXXXXXX XXXX, following the FTX.US guidelines, instructions and terms of service on XX/XX/2022 ( three days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts, both before and after my withdrawals. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. Per my account on both the FTX.US app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. Further, I was told the transactions were in process, past the point of modifying or in any way, and that they would arrive in 3-5 days. I have yet to receive my funds.

The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at XXXX XXXX ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXXTo the extent you hold USD XXXX balances ( and such balances are not held in stablecoins or other investments ), those XXXX balances are held in customer XXXX accounts at FDIC-insured banks ( XXXX XXXXor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I sent XXXX XXXX XXXX a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. XXXX XXXX XXXX has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with Equifax and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. XXXX XXXX XXXX was added to my Equifax report in XX/XX/2022 but I received the first letter from XXXX XXXX XXXX XX/XX/2022 so that doesn't make sense either. XXXX XXXX XXXX and Equifax has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NC
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: ALLY FINANCIAL INC.
State: IN
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:
Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Equifax Address : XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of { XX/XX/2023 }, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As s reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX  XXXX XXXX : Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX  : Inquired on XX/XX/2023. 
XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/2023. 
XXXXXXXX XXXX XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX : Inquired on XX/XX/2023. 

I am, because of this notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my report. Additionally, I have yet to permit EQUIFAX to provide consumers with this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to EQUIFAX resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 


XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is  XXXX   XXXX  I have a mortgage with  XXXX   XXXX   Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

Company response to consumer: Closed with explanation