BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-09-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 - I received a Default Notice from Specialized Loan Servicing on Loan # XXXX. That letter stated that in order to prevent foreclosure of the home and bring account up to date, I would need to submit the amount of {$40000.00} within 33 days of the dated letter. 

I had finally gotten all my finances under control so I decided to empty my XXXX and savings to get this account current. I called SLS to confirm the exact amount needed the cure the loan and was provided with the following number {$41000.00} which included the month of XX/XX/2019. I sent a cashiers check for that amount and confirmed receipt within the allotted time. 

A couple of days after I confirmed receipt of payment, I logged into my account to confirm my account was current, instead it showed that I still owed more than $ XXXX in the account. This was around mid XX/XX/2019 and ever since no one at SLS has been able to explain where the additional $ XXXX came from. They acknowledge that the payment was not properly applied yet, theyve proceeded to foreclose on my home based on that additional $ XXXX. 
I have sent letters to the CEO and EVP of operations and no one ever responds. When I call the resolutions department, they always promise to open up a ticket to get the matter resolved but it never does. 10 days later the ticket is automatically closed with no resolution. 

I have copies of the letters Ive sent, the emails and copies of statements and Its been now almost 5 months and my home is still in foreclosure. 

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 2020-05-20
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: Account information incorrect

Complaint:
have to late payments XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have XXXX XXXX XXXX  accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act

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 2021-06-02
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX dollars XXXX it was about five years ago and its on my credit still to this day!! I can not do anything because of this!! I tried to settle during COVID-19 crisis and at that time I couldnt reach anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: DE
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:
What happened? 
two of my XXXX cards, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXX card to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXX bank president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.

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 2019-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Approximately 20 years ago, my parents opened a Custodial Savings account with USAA in my name with my father as custodian. 

Approximately 10-12 years ago, as a young adult, I accessed my own USAA banking account and said savings account was associated with it. I was able to see balances and transfer money in and out of it under my own authority. I have continued to use this account without issue since that time. 

Today, I noticed that this account ( with {$810.00} ) was no longer appearing. USAA did not warn me this would happen. USAA did not notify after it had happened as to why. I had to call to find out what had happened to my money. 

They informed me that it was an error on their part - that I should have never been able to view the account and that said error had been corrected ( 10 years later ).  What about the money in it? The custodian would be responsible for making me whole. And by the by, they were oh so sorry it took ten years to notice this and that that we didn't warn you before or notify you after that we had fixed our mistake that very much affects you. 

Despite my ability to see and use the account be a mistake, apparently none of the transactions I initiated through it are fraudulent or due to be reversed. This seems like a load of corporate CYA that I would love to have satisfactorily explained to me. 

Further, I was relying on money in this savings account to top off my checking account to cover an auto transaction that has posted but is pending. Obviously I may no longer be able to clear this transaction through my checking account because I - without warning - can't access the money in my savings account. The representative implied that the best solution would be to have the custodian transfer the money back to me - which may or may not happen in time. He would not commit to USAA eating any fees associated with a possible overdraft. 

I have been led to believe that this was a systemic error - mine was not the only account impacted. I am fortunate in that the custodian is still living and I maintain a good relationship with him. USAA seems to have had no contingency for situations in which the account holder and user can not contact the custodian.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call from someone calling himself XXXX XXXX who stated I had a debt in the amount of over {$2000.00}. I told him I did not know anything about that debt and he proceeded to tell me I did know about it and that they had spoken to me several times and that he was going to state that I said I had no intention on paying the debt. I tried to explain that I had no idea of a debt in that amount and he proceeded to hang the phone up on me. I later called the company back and they told me he was combining multiple debts and quoting me one single amount from multiple debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: MIDFIRST BANK
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Diagnosed with XXXX XXXX XXXX. mortgage had just been sold to new Servicer,  Midland Mortgage . I was unable to work due to weekly XXXX treatments and XXXX wouldn't start until XX/XX/2019. Husband also on XXXX. We contacted mortgage company immediately. We made XX/XX/XXXX and XX/XX/XXXX pmts. Went into the hospital in XX/XX/XXXX for XXXX. Stayed in contact with their DAC who agreed to let us make modified payments until my XXXX started. We made all those payments on time. Midland did not report anything to the credit bureaus until after we started the repayment program in XX/XX/2019. At that time unbeknown to us they reported us late for 2 instances, 60 days in XX/XX/XXXX and again 120 days in XX/XX/2019. We prequalified for another home loan before putting our house on the market at the end of XX/XX/2019. We were given a prequalification letter so continued with the house sale. After house was sold and closed, we were supposed to close on a new home within days only to have the loan pulled by underwriting due to the way Midland had reported our forbearance plan. Now we have nowhere to go and are unable to obtain another home loan. We would have never sold our original home had we known.

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 2018-05-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. 

On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. 

I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. 

In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 writing this due to non-compliance with the ( XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-09-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear paypal you previously said on this CFPB claim case # XXXX : " You will need to withdraw your funds to a XXXX XXXX. ( End of Quoting ) ... I can not put my XXXX, can you please FIX your glitch because Paypal system says : " We're sorry. We're not able to process your request right now. Please try again later. '' ( see picture attached ). ALSO I uploaded my authentic XXXX national photo ID already to comply with Paypal limitation. I just want my money to be transfer to another paypal account or to be transfer to my XXXX XXXX account, I have waited Unlawfully more than 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-09-10
Company: FIRST HORIZON BANK
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We closed on hour house in Tennessee on XX/XX/19. Our payoffs to the Mortgage and HELOC were applied on XX/XX/19. The Mortgage was cleared out immediately, however the HELOC had an over payment. I called in to XXXX XXXX the week after that and was told it would take XX/XX/XXXX business days to receive a refund check. After that time had elapsed, I called again and was told that I would have to wait until the statement cycle ended then it would be XX/XX/XXXX business days to receive a refund check. I called today XX/XX/19 and was told now that it will take 45 days from the end of the statement cycle, with 5 days off so now I have to wait another 40 days for them to give me my money back.

Company response to consumer: Closed with explanation