BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: Cascade Collections LLC
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Paragraph 1 On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report account disputed Cascade Collections could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. Credit dispute results attached from XX/XX/XXXX see page 1 in attachment Paragraph XXXX XX/XX/XXXX Company XXXX XXXX was on credit report XXXX XXXX could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted copy of credit report attached from XX/XX/XXXX see page 2 in attachment Paragraph 3 XX/XX/XXXX XXXX XX/XX/XXXX put an account that could not comply with 15 U.S.C. 1681 ( reference Paragraph 1-2 ) back on credit reports copy of account attached from XX/XX/XXXX see page 3 in attachment Paragraph 4 XX/XX/XXXX Sent Validation defined in 15 U.S. Code 1692g via USPS certified mail to XX/XX/XXXX and XXXX XXXX, receipts of delivery included with copy of validation letter. As of the date of this complaint still no response to 15 U.S. Code 1692g see page 4-11 in attachment Paragraph 5 XXXXXX/XX/XXXXwas removed due non compliance with 15 U.S. Code 1692g and 15 U.S.C. 1681 see credit report attached from XX/XX/XXXX see page 12 in attachment Paragraph 6 XX/XX/XXXX XX/XX/XXXX could not comply with my rights defined by FCRA 15 U.S.C. 1681 and FDCPA 15 U.S. Code 1692g and now seeks Unlawful Judgement via XXXX  district court state of XX/XX/XXXX copy of Judgment attached see page 13-18 in attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm in the process of losing my home due to less income and death of borrower. I have reached out for over an year for help. Filled up for several mortgage assistance and keep getting turned down. I currently owe {$32000.00} after trying to resolve the matter. ( to bring current ). Specialized Loan Servicing is not trying to assist but take my home of 40 years. I have sent in several documents that always come up missing or unreadable, so I have to send again. 

This loan was transferred in XX/XX/2019 and I have been trying to resolve the matter. I keep getting told the investors doesn't want to invest. I have sent in several documents showing my hardship and my plan of action going forth.

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 2020-01-31
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:
I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX  {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX   XXXX  {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} 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 explanation
Consumer complaint received 2020-08-24
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After providing required documentation for their underwriting department Im not getting any responses at all as to what is missing and what the statuses I have sent several request via email with deadline dates and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A Collection Account by XXXX XXXX XXXX, dated XX/XX/XXXX, was placed on my Experian Credit Report. The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with XXXX XXXX XXXX XXXX XXXX, AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which is 8 years ago. The Date of First Delinquency, from the ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX ), must have been RE-AGED in order to place this Collection Account on my Credit Report. RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency from the Original Creditor ( XXXX XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore this Collection Account is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.

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 2020-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by Wells Fargo Bank seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX, XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has implicitly acknowledged that XXXX XXXX  made a fraudulent claim of a late payment on my account by stating no evidence of a missed payment and that it is current etc. However, they neglected to remove the false report from my history saying " it will be removed automatically in XXXX years. '' I will not stand for having my credit score adversely affected for 10 years due to fraud from XXXX XXXX XXXX store card ( 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 2018-12-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX after sending hacking reports and police reports still has done nothing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
All addresses on my credit report are inaccurate and must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: MO
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'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.

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 2020-08-24
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying {$670.00} since XX/XX/XXXX. Prior to that, I had been paying more than the monthly payment when I found out that none of the overpayment was going to additional principal, but instead was going to future payments. To my surprise, my current statement for XX/XX/XXXX still carries the same principal Balance from over two years ago. Apparently, I have been making interest only payments, and none of the required payments have been going toward principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 in the evening I received a Cash app debit card in the mail that I did not sign up for. I tried to contact Cash App but they were not available as it was in the evening. I called on XX/XX/2021 and spoke to someone named XXXX. He sent me a link to upload images of the card and stated he would use this information to disable it ( or forward it to someone who would review and do so ). I immediately forwarded the information and have never heard back. I emailed XX/XX/2021 to follow up and did not hear anything. On XX/XX/2021 I received a follow up email asking for a lot of information I would have been happy to provide earlier but was instead asked to submit pictures. I have responded to the email but I feel they make it incredibly difficult to contact them and take a very long time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
See attatched XX/XX/2019 statement. Previous bal {$1.00}, XXXX. OTHER CREDITS {$2.00}, XXXX TOTAL CREDITS for this period are the merchants credits of {$910.00}. OTHER CREDITS {$2.00}, XXXX were temporary credits so temporary credits given at beginning of investigation by USAA policy MUST be MADE PERMANET TO CREDIT THE ACCOUNT. UNLESS the fraud reported was NOT in consumers favor then USAA policy is to reverse the credit BUT IF THE CREDITS ARE INTERNAL HIDDEN NOT THE WHOLE TRUTH PROVIDED ON STATEMENT then I will need EXPLANANTION CONFIRMATION WHY the {$1.00}, XXXX temporary credits were NOT MADE PERMANET yet were reversed. All transactions that have an ( F ) in reference # ARE PREVIOUS FRAUD CHARGES NOT MADE PERMANET BY USAA BUT without making permanet these charges BECOME NEW PURCHASES??? The New Purchases that have an ( F ) in reference # ARE CREDIT REVERSALS NO PERMANET CREDIT PROVIDED BY USAA TO REVERSE THE CREDIT NOT EVER GIVEN. ALL THIS IS HIDDEN FROM MY VIEW INTERNALLY : I am a victim of ID THEFT. I will need Documentation of these Hidden Fraud Credits. Please provide in writing WHY CREDITS WERE REVERSED?? Dates of each PERMANET CREDIT TO ACCOUNT * THAT LOWERED THE BALANCE. IF MERCHANT PROVIDED FEEDBACK TO PREVENT THE CREDIT I WILL NEED THAT DOCUMENTATION FROM THE MERCHANTS. IF USAA REFUSED CREDIT I NEED THAT DOCUMENTATION WHY?? WITH PROOF IN WRITING. Because THE TRUTH IN LENDING STATEMENTS. DO NOT PROVIDE THE " WHOLE TRUTH '' INSTEAD USAA HIDES CREDITS. THIS WOULD NOT BE REQUIRED BUT USAA POLICY IS TO HIDE ALL FRAUD CREDITS INTERNALLY ON TRUTH IN LENDING STATEMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ProCollect, 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: Old information reappears or never goes away

Complaint:
This complaint is against Procollect Incorporated collection agency. On XX/XX/XXXX I paid in full an account I had with them for the amount of {$1600.00}. When I called to pay my balance I was under the impression that it would be removed from my credit and it never was. It is affecting my credit score to this day because it keeps updating on my monthly credit report. I called Procollect on XX/XX/XXXX spoke to someone that told me it was not coming off of my credit report because I had disputed it with the credit bureaus. So I called the credit bureaus and asked them to remove the dispute so Procollect can update it and remove it from the credit report. They told me that the dispute had already dropped off because it had been over 30 days and there was no resolution. When I called Procollect back to inform them the dispute was removed I spoke to a different lady than the first time. She was being very rude as soon as she answered the phone she already knew my name. I told her I spoke to someone a week before and she said, " I know you already spoke someone about this on XX/XX/XXXX so what can we do for you now '' I asked her if they can update their records and remove this account from my credit report since the dispute was removed and she said that they don't delete accounts. So I told her the person I spoke to before told me it would be done and she just kept insisting that they don't do that and could give me no explanation of why the other lady said they would. When I tired to get their names they told me that information was irrelevant and then they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call back XX/XX/XXXX from EOS to collect for an old phone bill which owed {$1400.00}. I made a settlement of {$710.00}. The arrangement was as follows first payment of {$200.00} by XX/XX/XXXX, second payment by XX/XX/XXXX of {$250.00}, and third payment of {$250.00} on XX/XX/XXXX. The first payment supposedly didn't go through on XX/XX/XXXX and the collector called again the next day on XX/XX/XXXX to let me know payment didn't go through. I told the collector to please run the payment for the full original amount since I was not home and didn't have the settlement letter on me at the time. However, rather than setting up the payment for {$200.00}, he set it up for {$100.00}. I have finally completed all of my payments for the settlement and I am barely getting notice from the collector that I still owe {$100.00} due to an error on their end and that my account is not closed as agreed due to this error on their end. I spoke with the managment of the company and they are now refusing to settle the account the for the amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im not sure when Santander received my information to finance an auto in my name. However, I am a victim of XXXX  XXXX and I have a police report from 2011. My ex husband was arrested for charges and I have received a few things in my name before/ since divorce been final. I have sent in document to all Bureaus. The collection was deleted, and sold again so now Im back to dealing with the same problem. I sent in documentation proving that I am a victim of identity theft. Santander have a history of robbing people of many things such as contracts etc. Now that my life is back on track, I guard and protect my credit. I am filing a complaint to have this collection deleted immediately. I have supporting documents proving that this does not belong to me. Santander have sold the company to a company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 {$970.00} dollars were taken from my hard earn savings account by a scammer, It was a puppy scammer, I called my bank right away and to my surprise they don't help you at all. They started a claim and on XX/XX/2021 got an email basically saying that they couldn't help, XXXX is not backed up by them or XXXX Bank of America whom I've banked for 12 years basically just didn't care and said too bad so sad we can't get the funds from XXXX XXXX you are XXXXand on your own. The bank the funds where transferred to is XXXX XXXX XXXX same they are saying too bad so sad. I spoke to Bank of America and asked why is it that they provide service with XXXX when really it doesn't guarantee scams or frauds. Being that it was a service provided by my Bank, I honestly thought they would back up any scams or frauds. Like XXXX does ... Never have I had a claim with my bank, I try to be very careful but I fell for the Scam. Trying to get a puppy for my family and my XXXX needs son. Such a shame that MY bank XXXX Bank of America XXXX can't just help me by giving me the money back for being a Loyal customer for over 12 years, having a checking, savings and credit card with them. Never have done a claim. Is so sad people are taking advantage of others during this Covid-19 Pandemic and even the banks, my bank ( Bank of America ) just basically is telling me I'm on my own. I'm hoping your agency can assist me with something. I have all my 3 credits frozen because the scammer has my Identity Information ( name, address, phone ) they did try to open a card. I have created an FTC claim and iC3.gov, XXXX for the SCAM/Fraud not my bank. Never will I use XXXX again. Hope XXXX XXXX or Bank of America look into my loyalty and refund me my hard earned money as a curtesy refund. This goes to show no one cares about your loyalty and my bank only cares about the money I give them.NOT the money I loose for USING a service they PROVIDE. Feels like a scam from my bank telling me : here use THIS service XXXX but if you make a transaction or get scammed don't come to us. I wonder if they get money from XXXX for each customer that uses the service. Is all a big SCAM. I guess my scammer was trying to make rent 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
Consumer complaint received 2018-12-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company telephone Rep stated they would take my tax return for this year when I had debt protection that was never used I contacted USaa when I lost my job in reference to this matter and that I wouldnt be able to make the same payments of XXXX $ monthly due lost of employment and I purchased debt protection and I paid for debt protection and they did not apply it to my account the car was hit by a school bus while parked and the claim inspector was coming out to inspect the car and I explain that to usaa and I asked will the car be repossessed because my debt protection still has not been applied to my account the agent stated no if it was in accident and needs to be look by a inspector that it wouldnt be respossesed and the day the inspector came the car was gone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX   plays a fair game, making this action easy for me and for my wife. 
Equifax and XXXX sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received an online cash advance and was told that it was going to be a long-term loan with small payments however that is not the way that it was set up and when I extended my payments they started harassing me numerous times a day with calls after I asked them to not call me until I could afford to pay it back due to XXXX  XXXX situation that I've been in I had to change jobs .I 've explained all this to them and they still continuously call me and harass me. This morning they called and I said stop calling my phone and then commenced to call me back three more times always from different numbers as if to trick me.

Company response to consumer: Closed with explanation