BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
currently I'm paying off a HELOC loan with SLS and my mother is trying to refinance and I was told that I needed to pay the past due in order to get a subordination in place so I paid the {$570.00} that was past due and I called to verify the that the funds would be distributed to the past due. Well this was in XXXX and they refuse to do this and my mother may lose the loan. I've called 10 times and have sent over 6 messages and this the funds are being applied to various things like additional payment to principal, unapplied funds identified, single payment, payment principal, payment reversal, mortgage payment but not to where I've asked it to be applied. Why? I call and they transfer me all over the place and keep me on old, playing games.

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 2020-11-25
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year of XX/XX/XXXX a collection for {$6100.00} was place on my credit report i have called the company about this collection and haven't gotten no response at i feel its the incorrect anount to pay for a apartment that i only live at for two months and now they saying i owe them the amount above which is incorrect period i done paid what i could when they file this collection on my account i can't afford to pay that amount period i have other bills as well i done put money in a registry when i got an eviction notice from this company back in may of last year my court records will show you i put something towards this company but it wasn't much cause i had other payments as well the company is southern management XXXX XXXX XXXX located in XXXX florida

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yesterday, XX/XX/XXXX, Bank of America closed my account without prior notification, I called to ask what had happened and they didn't give me an explanation, they left me without a dollar, I don't have to pay my debts or buy food because I have my money there, please help me. 
Now this will be a problem for me because it will affect my XXXX XXXX since I have a credit card with it

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 monetary relief
Consumer complaint received 2020-07-09
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express is reporting a debt I do not owe. When I checked my credit i saw this debt and paid it immediately. I never got a phone call, collection letter or notice. I have paid this debt a long time ago and it still updating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is showing on my EQUIFAX CREDIT REPORT but it is not my account, I am a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
UNDER THE BANKRUPTCY CODE, LEXIS NEXUS MUST FURNISH ME A RECAP REPORTS OF ALL PUBLIC RECORDS, TAX LIENS, JUDGEMENTS ETC..ALSO TO WHAT CREDIT REPORTING AGENCIES, ENTIRE HISTORIES..ALL PROPERTIES OWED OVER THE LAST 20 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX my account was locked and got told to upload my information like i.d social security pay stub proof of address so i did. is now the XXXX of XXXX and customer service as well as supervisor just been giving me the run-around telling me to re upload that they haven't received it. I had even did my i.d and selfie to the actual website Im a single mom of XXXX i need my account unlock to access my money from Texas unemployment. I got rent to pay little mouths to feed

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 2020-01-21
Company: Ditech Financial LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ditech # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Synovus Bank
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called first digital on XX/XX/2022 to close my acct. she said she would. The next day I spoke to supervisor named XXXX who assured me the acct would be closed and it takes 3-5 days. I called back on XX/XX/2022 because when I went online it showed a balance due ( which was the annual fee the reason I was closing the acct ). Supervisor XXXX said my balance was XXXX but the acct was still open. She said she was going to close the acct but couldnt explain why when I looked at my acct online it showed a balance due. 
I just want to close this account because I no longer want to pay an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a financial aid stipend on XX/XX/18. On XX/XX/18 my card was charged {$1600.00} from XXXX. I have never signed up for a XXXX account. On XX/XX/18, I opened up a dispute with Amex Serve. I sent in a police report, and a declaration of fraud form. On XX/XX/18, I received an email from Amex Serve saying they're denying the dispute and when I called, they're unable to give me a specific reason as to why the dispute was denied. They're just saying there was no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have one account saying that I owe the wrong amount for the most recent loan. On the oldest loan I have with them I paid the loan off and they say it is a collection and it should not be listed as a collection. I want the items removed from my report as they are inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them XX/XX/XXXXTRANS UNION & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted XX/XX/XXXX XX/XX/XXXX & transunion only XX/XX/XXXX removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XX/XX/XXXX just got over i paid them for 2 years score worst then they removed items only there back on there

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 2020-10-16
Company: EMI Equity Mortgage, Inc.
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for FHA mortgage in XXXX, 2020. Submitted all paperwork for complete application. Lender 's appraiser did a poor job and sent an appraisal with math errors in XXXX, 2020. Lender had all of our paperwork, including credit report, this entire time ( over 90 days ). When we pointed out the appraiser 's  errors and asked for a correction, lender denied our mortgage based on credit reports which they had since XXXX. It was a retaliatory denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
An account was opened under my name and I believe a credit card was issued. It is reporting erroneously under my name and social. I have never applied for a card or received a card under my name from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with account listed under IQ Data International. I requested a validation on XX/XX/2020 as there were several discrepancies that were identified with this account that I do not believe I owe. My main issue is that I was a participant with XXXX XXXX XXXX XXXX at this time and due to mold issues in the apartment that were not corrected within the amount of time that was agreed upon between landlord and XXXX I was required to move. This is something that the landlord was aware of and due to their failure in acting and upon agreements between housing and them they forfeit any rent owed. I reviewed my credit report again on XX/XX/2020 and the account was listed as disputed by consumer however no validation of debt was ever received. Therefore on XX/XX/2020 I sent a 2nd validation letter requesting complete validation for this debt again. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: M&T BANK CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to a bank in XXXX NH to open checking account for direct deposit for new job I would be starting This was end of XX/XX/2022 at some point maybe mid summer notice MONIES not accumulating in account was paid by weekly suspected someone using the numbers off my card several attempts made by me to bank about why I was not receiving any bank statements first excuse was they where sending all bank statements to a previous address in a completely different State on XX/XX/XXXX Sunday approximately XXXX I spoke with their call center bout a 45 minute conversation she told me she would start to have statements sent to my XXXX XXXX which address they had the entire time again still no statements when I inquire about what happened with those statements was told by a lady in the XXXX  XXXX Bank those were indeed sent but they went back to the XXXX XXXX as non deliverable. REALLY??? I went through three ATM cards cut them all up then noticed as time went on my account was finally growing and brought this to their attention. In the midst of all this I opened a safety deposit box with said bank XX/XX/XXXX Friday I went to go to bank on XXXX street to put more money in safety box now Around XXXX XXXX in cash along with a bunch of personnel letters GONE!!!! People waiting on me that day very suspicious with what they did and said What Bank let 's someone into a safety deposit box??? Personally I don't want them notifed I want to go to the next level whatever that may be not gone near bank since XX/XX/XXXX but did call them next XXXX XX/XX/XXXX and asked and she new who I was asked herwho is legally allowed inin a safety deposit box she said she have to ask my boss she came back with right answer so anyway I no exactly what I have left in box today and it still better be there and watching my checking account from a distance PLEASE HELP Do not want to go near that crooked Bank need Legal advice ASAP Thank-You D.S.D.

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 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- capital one- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to Capital One, and formally disputing it online- it still appears on my credit report and I would like it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
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:
609 dispute letter Dear Dispute Department : I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : WELLS FARGO DEALERS SVC Account Number : XXXX Description of Dispute : Account has reported non payment since XX/XX/2020, payment did have prior late payments due to XXXX financial disaster. Account reports closed account when is current and open, has reported bad payment history, Incorrect loan holders information, Incorrect. 
Evidence Enclosed : have spoken with both loan provider and credit reporting company. Please advise. 
I am requesting that you remove this information from my credit report. Thank you for your help. 
Sincerely, 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 2017-09-20
Company: EOS Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!

Company response to consumer: Closed with explanation