BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear Sir/Madam, The story begins with the XXXX XXXX XXXXXXXX takeover of XXXX which at time was our mortgage company having refinanced with them both our first and second mortgage in XXXX. In the summer of XXXX I lost my wife of XXXX to XXXX and the following year XXXX XXXXXXXX XXXX successfully guided me through the mortgage modification process. It was a great experience because the modification helped me avoid losing my home which would have been devastating at the time. 

Once the modification was complete Fannie Mae connected me with XXXX XXXX and I never heard again from XXXX XXXX  XXXX regarding the first or the second mortgage. In XXXX of last year, just as the COVID-19 epidemic started spreading I was faced with foreclosure action showing XXXX XXXX as the owner of the note which indicates that the second mortgage somehow got internally transferred through XXXX XXXX XXXX and her subsidiaries and almost ten years later it has come back to haunt me. 

I did hire an attorney last year who has been trying to make sense of the situation and negotiate a settlement with a company called Specialized Loan Servicing LLC which seems to be behind this, but so far they accepted and then promptly rejected our offer and have shown to be anything but reasonable. As you no doubt are aware that appears to be the reputation they enjoy nationwide. 

The reason I am asking you for help is because at the end of XX/XX/XXXX XXXX  XXXX XXXX filed a Satisfaction of Mortgage notice with the XXXX XXXX XXXX. Despite this I continued paying XXXX XXXX regularly to this day which can be easily verified with them. 

I now believe that the mortgage satisfaction was filed by mistake because XXXX XXXX had to file a Rescission of the Satisfaction filing last year. Considering the scandal with XXXX and the subsequent tens of billions of dollars awarded by the US Government to XXXX  XXXX XXXX to deal with the toxic asset situation, its reasonable to assume that the original intention must have been to file a satisfaction of the second mortgage. I appeal to you to have this looked at as soon as possible and find a way to settle it once for all. 

Please find enclosed copies of some of the relevant documents. Looking forward to hearing from you and please copy my attorney on all future correspondence. 

Best Regards, 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 2022-12-14
Company: EQUIFAX, 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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$790.00} DEPTEDXXXXXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Westlake Services, LLC
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: Reporting company used your report improperly

Complaint:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpo
se by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Tit
le 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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
Consumer complaint received 2018-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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:
Turned it a couple of complaints regarding issue ... bankruptcy is a chapter XXXX for farmers not a chXXXX and was dismissed without prejudice not discharged ... 

We also received papaerwork from XXXX XXXX credit report agency ... will be attached that has removed the bankruptcy from our report gathering the same information as equifax ... only difference equifax will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At approximately XXXX2019 from Synchorny Bank XXXX XXXX XXXX XXXX Fl. XXXX notified me thru my PayPal account about unverified charges on my account Mastercard ending in XXXX -in that a review to verify recent activity on my PayPal account- I called and talked with rep. she informed me that I had a third party phone that is not secure and unable to help me then asked for a cell phone number which I informed her that I live in a rural part of Oregon and poor reception and use the cell for going to town and such in the city 40+ miles away -- She informed me thatmy cell phone is also invalid and could not communicate to me the nature of the problem and would mail me a letter with a number on it to verify who I was-Strange when I call they have my number and social on file and address and cell number- I received-the new correspondence on or about the first of the Month I went to call the next day but the letter was misplaced- I finally found the Letter and called in on the XX/XX/XXXX and went thru the verify situation again phone number and SSI number again I was told number was 3 days over the limit and unable to talk to me -I finally got the person to issue a new number and used call waiting on my phone -Then it started all over again - I want to know if my account has been compromised and no answers! XXXX should I pay my bill they shut it down and won't let me communicate with them- I feel as though a big circle is evolving with little to no results! Please advise

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion, XXXX, and XXXX Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. Transunion Dispute # XXXX XXXX Dispute # XXXX XXXX Dispute # 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 2020-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-04-27
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I authorized a {$25.00} payment from a checking account, during the payment process I accidentally used the incorrect checking account which issued a payment bounce back. Flagging my account, according to the agent I spoke with, XXXX ( Emp ID XXXX ), as a 'sensitive account '. Therefor when I make a payment it is no longer credited and posted to my account and in my available funds like it ALWAYS has been. When Speaking to XXXX she was unable to provide me with anyone I could speak to about lifting the 'sensitive account ' status, she was also unable to provide me with a duration of time as to how long my account would be a 'sensitive account ' and when 'good faith payments ' would be immediately accredited to my available funds. It is unacceptable to withhold this information from clients and unacceptable to tell clients they can not talk to an authorized employee that can help with this scenario. It is unacceptable for any company to tell a client that they will not provide them with any information at all. Simple put this is appealing and Citi bank should be disgusted with this company polocy.

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 2019-02-19
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know what this debt is for. I disputed it through XXXX XXXX but didn't receive any details back as to what the debt is for ; just that they say it's valid. Aren't they legally supposed to send me a validation letter explaining the debt since I have disputed it? 

I called on XX/XX/XXXX to find out more and the rep said it was given to them XXXX of XXXX and was passed onto them from another collection agency. That is was for an account opened back in XXXX. She could not tell me exactly what the amount was for, and I don't recall. I don't have a record of receiving any letter from ERC or another company regarding this debt. 

Also, isn't this past the statute of limitations per the Fair Debt Collection Practices Act?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for a modification they set me paper saying I was missing a few papers! They said papers were due by XX/XX/XXXX. I set them on XX/XX/XXXX I find out late on the XXXX they are selling my house from underneath me on the XXXX! No notifications no nothing of a sale date! How can they send papers with the XXXX date on it and the sell my house on the XXXX! This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home has passed the 80 % loan to value mark and I want the PMI payments to be removed from my mortgage with Wells Fargo. I called the lender and they gave me the run around. There is no reason for me to pay an additional {$220.00} a month on my mortgage. A full 25 % additional each month. I have 6 years of onetime payments. I want this PMI removed and not by going through a refinance. Please help.

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 2018-03-12
Company: International Computer Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
i have been dealing XXXX XXXX and XXXX XXXX XXXX for almost 2 years with their threats and false credit reporting, i have no contracts with XXXX XXXX XXXX they have sold a debt in my name to XXXX XXXX XXXX and the collection agency is sending me intimidating mail, they refuse to hear my contest to this debt, this debt is not valid they allege i opened an account in XX/XX/XXXX. i had an account with XXXX XXXX XXXX and i closed the account in XX/XX/XXXX i paid off the account and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I happened to come across a debit collection after seeing my credit report in XX/XX/XXXX stating that I had a debit with Portfolio Recovery Associates, LLC that was opened XX/XX/XXXX. I filed a depute with XXXX and it was removed from that credit report. After filing the dispute I received a letter from Portfolio Recovery stating In response to your dispute related to the above account Portfolio Recovery Associates, has enclosed additional documentation for your review. Included in that package was a credit card statement which had a balance of {$6800.00}, PRA was stated the balance was {$8000.00}. Also included was a letter stating that this debit was transferred from XXXX XXXX XXXX. ( I never received any communication from XXXX XXXX XXXX ). I  submitted in writing to PRA requesting them to validate this debit by providing name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, was this debt assigned to debt collector or purchased, amount paid if debt was purchased, commission for debt collector if collection efforts are successful, a copy of the agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt, a copy of any signed agreement debtor has made with Portfolio Recovery Associates, LLC, or other verifiable proof debtor has a contractual obligation to pay Portfolio Recovery Associates, LLC, a  copy of any agreement that bears the signature of debtor, wherein I agreed to pay Portfolio Recovery Associates, LLC. In response, PRA again sent me copies of old statements. I then sent them a second letter informing them that this was not validated according to my request to please submit the initial requested validation information requested. Again, I was sent some more copies of old statements. My request from them was not answered. I asked for proof that the debit was mine, did PRA have the right to collect it and a signed contract between myself and PRA, which was never provided. Then I receive this letter stating if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. How can this matter be closed when PRA did not provide me with the requested information regarding validation? The letter sent was very intimidating, making feel like I dont have the right to request validation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 reached out to report unauthorized inquiries to companies I did not recognize on my credit report and they have not removed the inquiries and it is affecting my credit. It not fair that I have to deal with unauthorized use of my credit.

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 2020-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation