BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: EQUIFAX, INC.
State: MS
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 submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX Unverifiable Acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: CA
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:
This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the Spring of XXXX my XXXX was very ill so he executed a Durable Power of Attorney and I went to all the banks he had accounts in his individual name to get them moved into his revocable trust account. All the Bank 's were excellent and timely in approving my Durable Power of Attrorney ( DPOA ) except Santander Bank. XXXX XXXX XXXX and XXXX XXXX XXXX approved the Durable Power of Attorney within 2 weeks. Santander Bank never approved the DPOA and I went to the bank at least XXXX times in person to follow up. Their legal department received the DPOA to approve from the downtown XXXX XXXX in the Spring of XXXX. 

Finally I had to take my Father, who is in Hospice and on oxygen XXXX hours a day and using a wheelchair and a XXXX physically to the XXXX XXXX XXXX Santander  Bank. We went to the drive-thru which I thought would be easier on my XXXX. We were told he has to physically come into the lobby to be on their camera 's to withdraw his money and get a bank check. I know the drive-thru tellers have camera 's on the cars that pull up. I requested the branch XXXX come out to the car to have my XXXX fill in any forms they need and when the check was ready I would do my best to get him into the branch to wave at the cameras. She finally said the check was ready so I got my XXXX 's oxygen and XXXX and we made it into the branch. We still had to stand there more than 20 minutes and the check was not ready by the teller so the branch manager had to get her chair for my XXXX to sit in before he collapsed. He withdrew large amounts from two accounts and the manager said that he had no other accounts with their bank. It turns out that he had a third account with {$37000.00} in it held in his individual name. My XXXX passed away on XX/XX/XXXX and now I have to go to XXXX because of Santander never approving my DPOA and not telling my XXXX that he had a third account in his own name. I really hope you pull the video from that day in XX/XX/XXXX to see how pathetically they treated a person and made it so difficult for someone to get their own money out of the bank. The DPOA should have been approved timely. 
I would like to be reimbursed the approximately {$2000.00} in legal fees going through XXXX will cost. I also want an appology from the XXXX branch as well as the executives at Santander Bank. 
I have copies of the bank checks with the exact date of XX/XX/XXXX at time stampXXXX

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 2017-12-04
Company: VW Credit
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: Account status incorrect

Complaint:
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/VW when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/VW needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw this company on my credit report Commonwealth financial they have two accounts with the same amount of debt in my report they are saying it's my debt but I was not at any hospital 2012 they keep doubling my credit reports never got any information from them regarding any debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My second mortgage hadaballoon payment due in XX/XX/XXXX witth Mr. Cooper i have triedd repeatedly to tal to mr , Cooper since XXXX also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get modification without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
" CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: SYNCHRONY FINANCIAL
State: TN
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:
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove from my credit file

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 2021-09-08
Company: WELLS FARGO & COMPANY
State: NJ
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:
I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2017-12-04
Company: American Financial Resources, Inc.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
As I described in my complaint from XX/XX/XXXX ( and this happened again on XX/XX/XXXX ), American Financial Resources ( via their loan servicer XXXX ) do not accept additional principal payments payments exceeding 20 % of the current outstanding balance. This is a violation of my mortgage terms. 

1 ) They responded - they claim this is because of the risk of " the funds being returned as non-sufficient funds ''. This is absurd, because they would accept {$10000.00} payment if the balance on my loan was {$50000.00}, but not if the balance on my loan is {$10000.00}. The risk for them is exactly the same in both cases, so they clearly have other reasons for this policy. 

2 ) They advise to mail them a check instead. I tried doing that about a year ago, using my online banking. They consistently misapplied my additional principal payments as my next monthly payment, so I do n't have much confidence in this workaround they are suggesting. 

3 ) Their web site just gives the error message " Additional principal must not exceed 20 % of the current principal balance '', without any explanation or a mention of the other ways to make this payment. 

I think CFPB should demand that the bank and their loan servicer change their policy and abandon this limitation on additional principal payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Santander Consumer USA Holdings 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX before our Forbearance ends up on XXXX XXXX. We applied for Partial Claim which of the benefits of FHA Mortgage, since according to FHA Guidelines, we are qualified because we are only 30 days Past Due. The last payment we made was XX/XX/XXXX which covers our XXXX. Our Forbearance was started on XX/XX/XXXX and supposedly end up last XXXX XXXX and they offer us another 1 month extension. According to Ms XXXX from Amerihome dtd XX/XX/XXXX i might not be qualified because we are Current. From FHA Mortgage its cleared that if borrowers are current or 30 days past due we are entitled to apply for Partial Claim. And all of the sudden they sent letters : - 1st Disapproved us for Partial Claim dtd XX/XX/XXXX letter - 2nd Disappoved us for Disaster Modification dtd XX/XX/XXXX letter - 3rd Disapproved us again for Payment Plan thru Phone with XXXX XXXX dtd XX/XX/XXXX Today I spoke with Ms XXXX ID # XXXX, I begged her to review our Payment History, she said we were past due for 152 days according on her system which they include 1st day of Forbearance XX/XX/XXXX. And I said to Ms XXXX Past due should be srarting on XX/XX/XXXX because they still received my pymnt on XX/XX/XXXX for our XXXX ... so we are only past due for 30 days. And she reviewed it and XXXX said, I am right. 


Please help us to save our home and they want us to apply for Loan Modification which it was cleared that we can avail Partial Claim, please help us, this servicing bank are always giving us a hard time since than. It look like they not trying to help us, they are trying to take our home thru foreclosure, because if we will apply for loan modification they will deny us again, because we got our Loan Modification last year on XX/XX/XXXX which they buried us for a high interest of 4.625 %. They are not treating us fair. A very cleared discrimination. Instead of helping or offers us a better programs tgey denied us 3x in a row XX/XX/XXXX to save our home after COVID, look like they are very interested to get our home. And the comoany where my brother used to work waS temporary Covid Issues and just recently reopened this month if XXXX thru XXXX. 

Please help us, we need someone that will protect us from U fair treatment by serving mortgage company. 


Thank you XXXX ( XXXX ) XXXX ( authorized person-sibling ) For The Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: NATIONWIDE EQUITIES CORP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX of the XXXX XXXX XXXX has been doing a Reverse Mortgage for us. The loan was denied due to underwriting guidelines. Another company was secured that figured out a way to work with the doctor to provide more accurate incapacity letters. A letter from the client to XXXX XXXX, XXXX, XXXX, requested that the FHA Case number be released as well as the appraisal done on XX/XX/XXXX. These requests were made over 3 weeks ago. Finally we initiated a payment for the appraisal to resolve the issue. A check was sent overnight to XXXX XXXX for the appraisal and it arrived last week. Still the FHA case number has not been released, and there has been no provision of the appraisal. Instead of honoring the request he called promising that Nationwide could do the loan in two days. Which is clearly fraudulent as it has to go through underwriting and a process. This money is to provide for my Mom in the XXXX XXXX, and XXXX XXXX as keep us " XXXX '' by not complying to these basic requests. He is now acting unethical and and his delays are causing emotional and potentially financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank sent an automatic payment to the XXXX address on XX/XX/XXXX. Although you received it you returned it to me uncashed in XXXX Specialized counted it as a late payment and charged me a late fee. 
In late XXXX, I spoke with your customer service agent XXXX # XXXX and she agreed to drop the late fee of approximately {$45.00} in exchange for immediate payment, which I made that day. 
When the same late fee showed up on the next statement, I called and spoke with XXXX, who confirmed that XXXX had dropped the late fee but the system failed to record it and promised to drop it. 
Since then, I have been receiving statements that include late fees of varying amounts. Just one payment was late and thats the one both XXXX and XXXX agreed to waive. 
In XXXX, my bank sent an automatic payment of {$1000.00} short a legitimate {$3.00} increase for escrowed taxes. When I realized it, I combined the shortage with the most recent version of the late fee and sent a separate, clearly annotated check to pay {$52.00} to make up for the escrow increase and to pay the late fee I was told I dont owe so it would stop spiraling. 
Since XXXX, Specialized has included late fee charges of {$44.00}, {$41.00}, {$42.00} and {$41.00} in statements, when only one payment was late and that fee was waived twice by your staff. And I sent at least {$45.00} in the {$52.00} check to cover that spiral. The check was cashed on XX/XX/XXXX, see attached. 
I want a refund not a credit. And I want my statement to reflect the accurate monthly payment.

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