BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to this shady XXXX company, Specialized Loan Servicing in XX/XX/XXXX. They are saying we didnt make a payment although we have provided proof that we have. They stated we would have to make ANOTHER payment to make account current. 
We called on XX/XX/XXXX to get it resolved, theyvsent it to Review, along with our proof of payment ( supposedly ). As of today XX/XX/XXXX we still have no resolution. I have a list of 9 different people I have talked to who just put me on hold and move on. I've requested a manager and again, I'm put on hold and advised a manager would call. STILL no call from anyone. Over this XXXX company!!!!

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 2019-06-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, my loans with XXXX  were transferred to FedLoan Servicing. I applied for the Public Service Loan Forgiveness ( PSLF ) program in XX/XX/XXXX knowing that my first payment for my loans was coming up. My first payment made was XX/XX/XXXX. My last payment to XXXX under the PSLF was XX/XX/XXXX and then my loans were transferred to FedLoan. Under FedLoan, my first payment was XX/XX/XXXX. I have contacted FedLoan multiple times to get the status of my account review for the payments that were made under XXXX up until the time my loans were transferred. I was told each time that the account was still in review and it has been over a year. Then I received a statement that says only TEN payments made qualify me under PSLF. However, I have been making payments every month for 3 years straight and re-certify my employment every year. I have also been with the same company for the last 10 years so there is no reason that after a year of reviewing my account, they come back and tell me only the payments I have made since my loans were transferred qualify. It is absurd that I am at the risk of being 26 payments behind because they did not handle my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan has been transferred intermittently and mostly during default. My loan was transferred from Countrywide to XXXX, to XXXX, to Bank of America, back to XXXX then back to Bank of America again. At one point I was not even sure who to make my payments to because the transferring of my loan was so casual and occurred often. To make matters worse, I was never even notified of the transfer of my loan until I recently did some research. I had my attorney find out that the loan is now with Bank of America because there was no information provided to me from Bank of America nor XXXX informing me of this information. I recently submitted an application for a modification, I have supplied all documentation requested of me and I am being told there is no guarantee of the trustee sale being postponed, 2 days before my sale date! I did not ask for my loan to be transferred and I have been put in this situation by the lender. There is no reason why Bank of America should not be able to postpone the sale and continue the review of my application as this is a form of dual tracking. Additionally, per HBOR laws, I was never assigned a specific point of contact, I was never reached out to and offered assistance.

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2019, I, XXXX XXXX XXXX, disputed an account by XXXX XXXX. I was informed in XX/XX/2019 that the item was deleted from all credit reports and bureaus. In XX/XX/2019, a collection re-insertion by an entity known as XXXX XXXX XXXX has illegally reported the same collection as previously mentioned back on my credit reports and to the credit bureaus. I have NO such business dealings with this company and ask that they provide signtures staing that we have an agreement. I request that the collection item be removed permanently from Trans Unions credit agency effective immediately. as my credit has suffered from this form of identity theft. 
he next step will be to pursue legal action against this entity and the bureaus that continue to report such fraudulent activity.

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 2019-10-18
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 

XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 

XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 

However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have asked for the original signed court document to prove this was mine and they wont show took 5 days investigation just not to prove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00}, XXXX XXXXXXXX Balance : {$7800.00}, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XX/XX/2021.

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 2019-04-05
Company: Credit Service International Corp
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:
On XX/XX/XXXX a letter was sent in the mail to me, which I received several days later. It stated that I owed this debt and that I had 30 days to dispute it. On XX/XX/XXXX, I wrote them a letter asking them to validate this debt and bring forth proof of the debt I supposedly owe. I have never received any validation and this was never placed on my credit report. On XX/XX/XXXX a letter was sent to me in the mail, which I received several days later. In this letter, the amount was higher, and there was no mention that I have 30 days to dispute this debt, again. On XX/XX/XXXX, I then sent them another letter which was notice of default, and stated since they failed to validate the debt back in XXXX, that they now can not collect on this debt, just because they changed the amount of the debt. Since they did not validate this debt, nor did they place it on my credit report back in XXXX, they are not able to collect on this unfounded debt. However, now they decided in XXXX to change the amount of the debt and not give me 30 days to dispute it, and went ahead and placed it on my credit report. This is in complete violation of the Fair Debt Collections Practices Act. They need to remove this from my credit report immediately and face consequences for not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is violating my consumer rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine that accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' The XXXX XXXX account is not mine and I have submitted multiple disputes and Experian is illegally reporting this account on my credit report. 

In compliance with the method of investigation request, please provide the following : A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX the exact amount claimed.

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 2019-06-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2019 XXXX XXXX {$520.00} XX/XX/2019 XXXX XXXX XXXX {$930.00} XX/XX/2019 XXXX XXXXXXXX XXXX {$3700.00} XX/XX/2019 XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.

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 2017-11-13
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim. 

There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account. 

I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.

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 2022-04-25
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i have one loan with them 8 % and got another car and its 16.9 % which i believe is wrong. I make my pymts and pay more than the amt on the 1st car.

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 2017-11-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX, XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my XXXX XXXX visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a Wells Fargo business account number of XXXX with the name XXXX. From that account, money was added to my XXXX XXXX in the amount of {$20000.00} on XXXX and I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called XXXX XXXX asking for them not to let that happen, but even so it was reversed posting XXXX XXXX. 
I believe that Wells Fargo has responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this account does this many, many times per week. I believe this makes Wells Fargo complicit in fraud, as I believe that this account has been used in this way for a long time. I hired a private investigator who said literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid from a Wells Fargo account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a Wells Fargo business account to be used in this way, I would not have made and sent those purchases. 
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. By allowing this kind of reversal without a court action, especially multiple times per week, Wells Fargo is complicit in allowing this kind of fraud to happen. 
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 2017-07-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
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In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX  credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Trying to remove a dismissed bankruptcy from my credit report.The following sections of the FCRA .1681c mentions nothing relating to bankruptcy dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore transunion has no right to maintain this information. 

Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, transunion must delete this information from my credit report.

( See attached letter I sent to Transunion )

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 2019-06-15
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Citibank credit card on autopay. Lately noted that the My monthly use was {$77.00} only and card company was charging {$20.00} to {$26.00} as interest per month om balance of XXXX daollars after autopayment. It wrecked up approximately {$2000.00} which is more than 1000 % of capital.. When I called, they said they were taking minimal payment by autopay and minting money by interest ( 1000 % ), which is wrong. I want them to refund the interest and charge the expense in full every month.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
inaccurate information is being reported on my credit report. inaccurate addresses, and accounts.

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