BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX I received a letter from General Revenue Corporation regarding an alleged debt. According to the letter that was dated XXXX/XXXX/2020 I was in debt with XXXX XXXX University in the amount of {$2100.00}. This amount included a collection cost of {$420.00} and the entire balance was assigned account number XXXX. Upon receipt of this letter I requested validation of this debt from GRC. I submitted multiple letters to GRC requesting further validation of the debt and my requests were received by GRC on XXXX/XXXX/20 and XXXX/XXXX/20. The letters were received by XXXX XXXX and XXXX. On or about XXXX/XXXX/2020 I received another letter from GRC that alleged to validate this debt. The letter stated that the information we provided to the consumer reporting agencies is accurate and will continue to be reported in accordance with the Fair Credit Reporting Act. Enclosed is validation to support the reported information. The letter I received on or about XX/XX/XXXX stated that I was in debt to XXXX XXXX University in the amount of {$1700.00} and this amount included a collection cost of {$350.00}. Both the total amount owed, and the collection cost were different than the original amounts alleged on the letter I received on or about XXXX/XXXX/2020. The letter suggested that it validated the original debt however the amounts owed on each letter were different. The letter I received around XX/XX/XXXX2020 that allegedly validated the debt also included a statement from XXXX XXXX University. The statement was not a contract and it also did not contain any type of identifying marks that suggested that I had agreed to this debt with the university. The statement alleged that the debt was derived from federal financial aid. I was not a student with the university during the time of the alleged debt and I am also currently enrolled in school with the University XXXX XXXX. All of my student loans with the U.S. Department of Education are in deferment status while I am a student. I am unaware of the legitimacy of this debt and have not ever been contacted by XXXX XXXX University regarding this debt or any other debt. GRC is attempting to collect an unvalidated debt and have sent numerous misleading and threatening letters in their attempt to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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 have reported this account to Experian showing them how they are reporting this account incorrectly. The last time I reported this account to Experian, on XX/XX/2020, they send me a result reporting this account was verified and that the information on it was updated and reported as correct, or accurate. 
How can it be possible this account is ACCURATE when this account is reported as 70 charge offs?? 
I have also contacted XXXX XXXX and they havent responded to me at all. How can they keep reporting this account without providing me ANY proof of this account? And then to report this one account as 70 CHARGE OFFS! 
Surely this has to be against some kind of regulation? They are continuing destroying my credit by reporting this account wrong, but it almost seems like theyre doing it on purpose to damage my credit more? 
I have attached Experian 's 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 2020-11-30
Company: EQUIFAX, 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:
SOMEONE STOLE MY INFORMATION AND RAN UP MY CREDIT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS LISTED DON'T BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I tell them not to contact me again and they continue to with a different phone #. 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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all 3 negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.

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 2020-09-04
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The service provider is " The Money Source ''. My loan number : XXXX I made principal only payment and accepted by the service provider. The amount ( {$5300.00} ) is much bigger than the monthly payment ( {$2200.00} ). The lender moved the fund to suspense account without justification. I tried to contact them but no satisfied result.

Detailed timeline : 1. My loan was closed on XX/XX/2020. 
2. I made 2 principal-only payments ( specified payment is principal only explicitly in the system ) on XX/XX/XXXX and XX/XX/XXXX, {$2600.00} each time ( {$5300.00} total ). 
3. The fund was applied to principal successfully but on XX/XX/XXXX, it moved to " suspense ''. 
4. I called and some representative helped me to move it back to principle on XX/XX/XXXX. 
5. But it became " suspense '' again 1 day later on XX/XX/XXXX. 
6. I called again and told my loan was transferred to Mr.Cooper and the official transfer date is XX/XX/XXXX, and the representative told me that's why the fund became " suspense ''. They told me the fund would be transferred to the new service provider ( XXXX XXXX ) and TMS won't pay any interest for the period the fund was held. 
7. Now I have an account with XXXX XXXX but I can not see my {$5300.00} applied to principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I submitted a notarized request to XXXX  Credit Bureau to verify and validate negative items. The 30-day window allotted by law to investigate was never honored and even after many attempts have still been ignored. I have asked to have these items deleted but to no avail. I am asking the CFPB to enforce the law as stated in the fair credit reporting act. 

The negatives are : CHRYSLER CAPITAL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with Bank of America. I am on an extension & need to complete my XXXX income tax return. I need the amounts paid for insurance on each property for the year XXXX. The amounts are paid through the mortgages. 
I have called Bank Of America numerous times starting on XX/XX/XXXX. I have waited 90 minutes, 45 minutes & it is the same each time. Their is an automated system that sometimes comes on-not always-but in spite of trying to use that-it does not recognize what I am asking for. On the rare occasion I actually talked to a person at customer service they have informed me that they can not provide me the requested information, nor can they mail to me, or email to me.I have requested if they can not -are unwilling actually-to give me these amounts that they simply send me copies of escrow postings & payments for XXXX, which will show the amounts paid for insurance. They have not & will not do this either! 
I have also requested the information I so desperately need by writing to them at to different addresses they have on their paperwork for general inquiries & also another for property insurance inquiries. No reply received. 
The one time I spoke to someone at the number provided for property insurance inquiries she told me she could not even give me the amounts even just verbally, saying there was no way they could access them. She sent me to the general customer service number where I was told they did not have access to this information & transferred me back to the property insurance inquiries where they told me only general customer service inquiries could help me.

These are my mortgages-two of them-I went thru their identity  process each time. I provided my mortgage account numbers, address of the properties & everything else they asked for. 
Do I not have a right to this information when am the one paying these mortgages? The local branches all remain closed here. There is no way to be able to contact them. They do not answer the phone, and the doors are locked.

The only thing I can do is provide a letter to the IRS with my tax return stating Bank of America refuses to provide me with this needed information.

The way Bank of America treats a customer is a disgrace. They could not care less.This goes way beyond bad service. I want to know where else I can report their obstruction because it is so wrong.

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 2020-09-04
Company: CARD Corporation
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card in the mail that I did not open nor authorize from CARD.COM. The phone number, email address and the mailing address on the envelope the card came in I question if any is legit. My identity has been stolen and I have made a police report, contacted the FBI, put have a credit freeze with the 3 credit agencies, freeze with checking acct institution, filed a complaint with the FTC, fraud complaint with XXXX ( Loans ), and many more steps. We have attempted to call card.com ( XXXX ) but are on hold and never get anyone to answer and we have emailed their support email address and no answer. We attempted to contact XXXX XXXX, which is listed on this VISA Debit card and they are no help at all. We contacted VISA ( XXXX ) and they attempted to call card.com and created a cancel card request to card.com ( reference # XXXX ). This is a nightmare and I feel I have no control over my over social security, credit, etc. Please, I am asking for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Stuart-Lippman and Associates, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a threatening phone call from Stuart-Lippman and associates , INC Located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXXXXXX XXXX XXXXXXXX. Telephone number XXXX XXXX, regarding a outstanding debt of {$3800.00}. I was never notified by the original insurance company of an outstanding balance. After I contacted them that the insurance company stated that the balance was {$3000.00}. This is an insurance that was provided by XXXX XXXX XXXX XXXX XXXX for malpractice insurance. I have been receiving harassing and threatening phone calls from this debt collector. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Previous CFPB Complaint XXXX was closed but the response and documentation provided on the result DOES NOT BELONG TO ME.

My Santander Account number is XXXX and this account was never been repossessed or in charge off status. This account is current. See my statement attached.

You are mixing my account with someone else with the same name  but lives in NM. The letter you provided dated XX/XX/XXXX is for different accounts number ending in XXXX. That is not my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Ocwen Financial Corporation
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to Ocwen loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being XXXX  over XXXX XXXX years and tried to work with Ocwen to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They  wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and Ocwen puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with Ocwen that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
this started on XX/XX/XXXX their was a lot of unauthorized fraudulent transactions made by playstation/sony in my card. I have been going to my local bank almost everyday and they have not helped me as much, I just wanted to know whats taking so long for them to dispute my transactions i have bills to pay and was wondering if i can get this situation fixed sooner

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 2020-05-30
Company: American First Finance, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a loan with American First Finance - I was making two payments a month for XXXX each. Then I lost my job due to the pandemic - that was in XXXX - on the XXXX. I got a 14 day extension but I told them I was no longer working and if they could accept one payment vs two a month - they said they couldnt change the loan agreement and I would have to send proof that I wasnt working. They constantly call, and hang up all hours of the day and dont leave messages. The only time I can speak to anyone is when I call, and they tell me the same thing - when can you make a payment and tell me they are going to report this to the Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: Account status incorrect

Complaint:
XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or 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 explanation
Consumer complaint received 2021-01-26
Company: Freedom Mortgage Company
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my house and was apparently issued an escrow refund check from Freedom Mortgage. I never received the check. It wasnt until XXXX of 2020 that I received a letter from Freedom Mortgage stating that I had 180 days to cash said check or the check would not be negotiable. I contacted Freedom Mortgage and explained that I did not receive anything. I was told that the check would be cancelled and a new one issued. Almost a month later I called again and I was told that the check is in the mail but the postal service has been backed up. Im starting to feel like they are stalling and just gon na wait this out until XXXX and not pay me my money back.

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 2020-12-01
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX the same time that I found out that XXXX XXXX had reported my account to Equifax before my billing cycle on a pending transaction and reducing my FICO score about 35 points. Equifax also updated my credit report, reducing my FICO score by 105 points with inacurate information about a US Dept. Of Ed, loan that has been reported on my credit report since XXXX. Equifax added that this account was 120 days past due as of XXXX XXXX this account was in fact not past due, had not been flagged in XXXX or any other month in XXXX in fact, due to the pandemic all payments have been suspended since XX/XX/XXXX due to the Pandemic as part of the Cares Act. In addition all interest rates are 0 %. I was refunded back in XXXX or XXXX any monies that were taken in XXXX/XXXX or XXXX. why was this account updated 6 months after the alleged 120 day late payment. In addition US Dept., of Ed, also sent me an email stating this information, it is also on their greeting and prompt when you call and I called them as well and of course they denied updating this particular account with Equifax. 

I also called and spoke to a supervisor in great length, disputed the charges, and instead they reduced my FICO score again on XX/XX/XXXX another 30 points and i have no idea what the reduction was for nor is it explained on their website, other than it being retaliation. Also, by changing the date on recent inaccurate activity, it keeps this account being negatively reported longer than 7 years. 

WHY is Equifax allowed to act rogue, harass, stalk and retaliate and do as they please, with no repercussions or consequences, for their unprofessional, dismissive and illegal practices? 


I have been trying to repair my credit and reported Equifax to CFPB, Equifax have since taken retaliatory actions, have since reduced my FICO score by almost 140 points in a 2 weeks with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was told my account was set up on automatic payments yet it wasnt causing me to go into collections. I have reached out to try and pay but no answer

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 2019-08-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXXof 2018 I mailed certified letters to both Navient and the 3 major credit bureaus requesting the original loan documents that show my signature. They have never mailed any proof. I have also requested proof over the phone and I was advised that my monthly loan payment is {$0.00} per month. I was never sent anything thing in writing and the loan balance hasnt changed and is only increasing. I requested that the loan be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company SPECIALIZED LOAN SERVICING HOME LOAN is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SPECIALIZED LOAN SERVICING HOME LOAN XXXX Opened : XXXX Balance {$13000.00}

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 explanation