BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Eastern Account Systems of Connecticut, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.

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 2021-10-31
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter to One Advantage LLC to dispute and my credit report has not being noted disputed by the consumer. One Advantage didn't herby the law of the FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

USPS tracking number XXXX XXXX XXXX XXXX XXXX Letter delivered on XX/XX/2021, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Westlake Services, LLC
State: NY
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:
The westlake financial account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have tried to work this out for many years this loan is my second mortgage, but we have been trying to work with Ocwen Loan Servicing our Second Loan. 

Ocwen has put our home in foreclosure with a sale date. We have a first mortgage this loan is in second position. 

They want us to pay them as of XXXX XXXX the payments they wanted in a lump sum of {$290000.00} This second mortgage is constantly putting us in foreclosure. We really need your help. 

They will not work with us. They will not give us a workout for this loan or modification. 

This second mortgage is subject to our first mortgage with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: WA
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:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2021-02-28
Company: Diversified Adjustment Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/21, I received a notification from my credit monitoring service of a new collection. They name of the collection/debtor is Diversified Adjustment Service. I have never received any written notification from this company. I have no idea who they are or what this debt is about. I know nothing and was never given an opportunity to contact the agency themselves or to dispute it. This is against the law. I have USPS informed delivery and looked back in emails and never has there been a letter from this company addressed to me or anyone at my address. To this day, I have no idea what this debt is in reference to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Paid best buy early got charged for missing payment XXXX XXXX pay on XXXX payment due XXXX charged as a missing 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 2017-08-08
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection was paid XX/XX/2020. I asked the collection agency to please delete it from my credit as it is paid in full and was advised by two different account reps, that is not their policy and will only show as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The purpose of this hardship letter to explain XXXX XXXX and XXXX XXXX position of the hardship that occurred with a collision with the negligent driver. On XX/XX/XXXX XXXX XXXX was actively working as an XXXX XXXX XXXX XXXX and was the victim of a negligent driver performing an illegal traffic stop according to the local police report. As a result of the collision the car was deemed a total loss. XXXX spoke with a Wells Fargo representative on the issue of deferment after realizing there was no gap insurance to help cover the remaining balance. XXXX was advised not to defer and wait for the responsible party to cover the damages. On XX/XX/XXXX I spoke with agent XXXX # XXXX and requested a call back with a supervisor to negotiate the charge off and the impact on credit that did not happen within the time agreed. I called back and spoke with a supervisor with the option of a settlement plan. We agree with the settlement plan but the back dating of credit reporting we do not agree for the reason of the direction given by a Wells Fargo agent not to defer, we did not have possession of the vehicle, loss of supplemental income that was used during the application of the loan and financial hardship when XXXX could no longer work. I have included a letter of representation from the attorney. Thank you for your time.

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 2021-02-28
Company: EQUIFAX, INC.
State: NY
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:
The XXXX XXXX  account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In the course of the month of XXXX, my husband and I have received four ( 4 ) credit cards with four different names using our home address. We have lived in our home for 25 years and built the home. Therefore, no one else has lived in our home. Additionally, we are in the process of selling our home, which is when the problem began. 

Here are the names of individuals of the credit cards sent to my home address ( XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) as sent from the same address ( XXXX XXXX, XXXX. XXXX XXXX, XXXX, Indiana XXXX ) : 1. XXXX XXXX XXXX mail received on XX/XX/XXXX ) ( I'm still in possession of this card ) ; 2. XXXX XXXX XXXX ( returned to Cardholder Services ) ; 3. XXXX XXXX XXXX XXXX returned to Cardholder Services ) ; and 4. XXXX XXXX XXXX returned to Cardholder Services ). 

My husband suggests the applicant potentially thinks they are able to come by our home and pick up the envelope from our mailbox. Luckily for us, our mail is delivered to a gang box and is not placed on our front porch. 

Please advise on how we can stop the credit card company from issuing cards using our address. Our contact information is as follows : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX home XXXX cell XXXX Thanks!

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 2022-08-06
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been reviewing my credit for several months now and have noticed that XXXX has failed to report all of my mortgage payments on several of my mortgages. On a few of my loans with Specialized Loan Services they failed to report the following months on my loans ending in XXXX and XXXX. 
Loan number XXXX they failed to report XXXX XXXX XXXX and XXXX, XXXX thru XX/XX/XXXX, All of XXXX was not reported, XXXX, XXXX XX/XX/XXXX was not reported, XXXX thru XX/XX/XXXX was not reported and XXXX thru XXXX in XXXX was not reported. 
Loan ending in XXXX they failed to report XXXX and XX/XX/XXXX even though they updated my score on XXXX XXXX these score were not updated not were the payments for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
The credit bureaus are reporting inaccurate information on my report

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a XXXX XXXX XXXX with XXXX XXXX since XX/XX/2016. The business is a consulting one and is in my name and under my Social Security number solely. Both XXXX  XXXX and I have REPEATEDLY requested TRANSUNION to report this account and my flawless payment history just as they do with my OTHER XXXX  XXXX  XXXX but they continue to put it back on XXXX  XXXX in an endless circle.

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 2018-02-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank called my husband about our payment ( even though the account is in my maiden name and was started before we were married ) because we missed our XXXX payment and our XXXX payment was coming due soon. Our XXXX payment was missed because we did not receive a bill. My husband asks the representative if he can make a payment of {$2000.00} on his debit card. The man then takes his payment information and processes it. He tells my husband it went through then asks him to hold for just a moment. He comes back after a few minutes to say that he is now unable to process a card ( after he already said it was approved ) and asked for a routing/ checking number. That evening, we checked our account and it showed {$2000.00} pending. We called and they said there was nothing showing on their side but that the transaction had been ran and then immediately cancelled and he didn't know why, but it would be back in our account in 5-7 days. I asked if they could either push back our due date ( since all of our money was now in limbo ) or not charge us interest until we were able to make our intended payment of {$2000.00} ( so that the interest wouldn't be charged on a MUCH higher amount ). He refused to help me on either and said that I needed to find a way to make a minimum payment so that it wouldn't be reported on my credit. He also said they'd open a complaint to have the recorded call pulled to investigate what happened and that they'd be back with me in 2-3 days. That was on Thursday and its now Tuesday ( 6 days ). We called back this evening and there is no record of our last call or our complaint and the {$2000.00} is still pending on our 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 monetary relief
Consumer complaint received 2019-05-29
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 ; Reported to collections showing on my XXXX report. For last month, repeated phone calls to my cell phone and my boyfriend 's cell phone trying to reach me to pay a debt I do not owe. I have an open claim with XXXX regarding Franklin Collection Services XXXX. They have reported a negative balance and collections to my credit report six times in the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that  someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Capital One 360 refuses to reissue a close out check for funds owed in the amount of {$4200.00}. Numerous past CFPB complaints were filed with information showing whereabouts at time check intercepted by third party, signature forged on it, cashed in my name without consent. Initial check had a stop payment placed on it prematurely, a second replacement check was sent via XXXX second day while I was in XXXX XXXX. I also provided copies of three checks issued, two of which show my correct signature, third one shows a forged signature which Capital One reps refuse to investigate despite numerous requests to do so. Since no check will be reissued, signatures not reviewed, I require an address to file a notice of small claim suit which I've also requested via past CFPB complaints, was not provided. Further, attorneys representing me in data breach also have information detailed above, will recover loss via litigation if not through small claims.

Company response to consumer: Closed with explanation