BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017  I canceled this account based on the Service Member Relief Act that allow Service members to break contract even 90 days after separation from XXXX XXXX. However, this Apartment Complex disregard my request and send an incredible amount of debt to Collections. I paid every penny before I leave the complex. A 60 days vacate notice were given ahead of time. 
Once I found about this collection debt I submit my dispute to XXXX. They successful delete this account from my credit score. However, XXXX and XXXX  doesn't want to delete it from my records. Their system doesn't even allow to upload documents to help to solve the dispute. I recently submit another dispute but XXXX disregard my claim. 
This negative erroneous account has damage my credit score for almost two years and is still there. 

Account Number # XXXX Name RENTDEBT AUTOMATED COLLE XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$4700.00} Original Amount {$4700.00} Original Creditor XXXX XXXX XXXX XXXX  XXXX ( Rental/Leasing ) Past Due {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX years old and I have been in review for a modification with XXXX since XX/XX/XXXX. My husband XXXX and I am a XXXX. I have my adult son helping me. Shellpoint has all documents they asked me for including but not limited to all of my income proof as well as my sons non borrower auth form and his income proof. For weeks I have been in active review even the XXXX and Deed are in my name. Now at the XXXX hour XXXX days prior to my sale date WHILE i am in active review, Shellpoint states I need to file documents in XXXX. I am XXXX years old why did n't Shellpoint tell me to do this in the beginning of XX/XX/XXXX. I would have done what they asked. Now XXXX days before the sale, while all along lying to me and stating that my review is active and the sale WILL postpone, they are asking me for the impossible and they are now refusing to postpone the sale. So if they needed probate documents from the beginning, they SHOULD have never accepted my package and lead me down the wrong path. I pray you help me I want to die in this home, I dont have much time left on this earth please do n't let my last experience be with this bank defrauding and lying to me to steal my home under false pretenses. XXXX BLESS 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 2021-03-29
Company: WLCC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found the following on the Washington State XXXX XXXX. This is what happened to us as well. They very official looking paperwork to try and collect a debt that does not exist. When we requested further info they promised to get it to us but nothing every shows up. One employee they said the debt was {$3300.00} and to withhold 15 % and send to them at a XXXX Utah address and 2nd request for a different employee of {$1200.00}. The red flag for us is we got 2 request in the same day. We only have a total of 5 garnishment across our population of employees. I uploaded they 2 documents they sent us. 

The Washington State XXXX  XXXX XXXX XXXX ( XXXX ) received information that an entity using the name Apex Servicing has sent faxes to employers in Washington attempting to garnish wages from employee paychecks for alleged loans owed to XXXX XXXX and XXXX XXXX. 

An employer reported receiving a fax labelled as Wage Assignment Demand Notice. The fax alleged that the employee had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from the employer to repay the loan. The information received by the employer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXXXXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX A Washington consumer reported receiving a similar Wage Assignment Demand Notice at their work. The fax alleged that they had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from their employer to repay the loan. The information received by the consumer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXX XXXX. The demand instructed their employer to deduct 15 % of their disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. I had applied to refinance my mortgage with my cousin who owns a mortgage brokerage. While I was submitting my mortgage application I was answering some basic question via text with my Loan Officer. A few minutes after my credit was pulled I received a phone call from XXXX XXXX at Amerisave XXXX XXXX. XXXX introduced himself and said he was following on my application that was sent to him. He lead me to believe that he was working with my mortgage broker and said he just needed to verify my information. He ended up taking a full loan application, pulled my credit. I gave him my credit card information and he charged my card XXXX for an application fee. My mortgage broker called me a few minutes later to verify some of the same information then I realized I was tricked into submitting an application with Amerisave. I quickly called them to have them withdraw my application and requested a refund. They refused to refund my money. I asked to speak to a manager and they were very aggressive with me on the phone about trying to get me to switch. Their closing costs were XXXX more than I had previously locked in with my broker. Their practice is very deceptive and misleading..

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 2018-05-23
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 status incorrect

Complaint:
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. XXXX   should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in XX/XX/2017. Please remove this entire fraudulent account off of my credit 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 2018-03-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
TO WHOM MAYBE CONCERN I AM NOT YELLING I JUST CAN TYPE FASTER THIS WAY PENNYMAC LOAN SERVICER DOES NOT SEND ACCURATE MORTGAGE STATEMENTS THEY ALSO DO NOT ISSUE THEM ON THE CORRECT AND REGULAR BASIS THEY DO NOT SEND THEM AS PER THE FHA, HUD AND TRADE COMMISSION LAWS IF YOUR LAST DAY TO PAY YOUR MORTGAGE BEFORE YOU ARE CHARGED A LATE FEE WOULD BE ON THE XXXX YOUR NEXT STATEMENT SHOULD BE SENT AFTER THE XXXX  AND NOT A DAY SOONER. I BELIEVE THEY TOOK A LOAN OF MINE THAT WAS TO CLOSE IN XX/XX/2015 I HAVE DOCUMENTS THAT YOU CAN SEE THAT THE LOAN NUMBER ON MY HOME FLOOD INSURANCE GO FROM THE XXXX XXXX XXXX RIGHT BACK TO PENNYMAC ALSO MY HOME INSURANCE THE LOAN NUMBER WAS ON THAT AS WELL FOR A WHOLE YEAR SO I ASSUME THAT THEY STOLE MY MONEY ALSO MY PENNYMAC LOAN ALL TRANSACTIONS SHEET DOES NOT LOOK ACCURATE THERE IS NOT A CONSISTANT AMOUNT OF FUNDS GOING IN THE ESCROW ACCOUNT THEY HAVE COMPLETELY STOLEN FROM ME FOR YEARS ALSO MY LOAN IS A FHA LOAN AND THERE IS NO WAY THAT MY FHA LOAN HAS GONE FROM A XXXX  WHEN IN FACT IF I DID NOT GET THE LOAN TO XXXX   ALSO ON THE ALL TRANSACTION SHEET THE ERASED A LOT OF TRANSACTIONS THE IS SO MUCH HANKY PANKY GOING ON WITH MY HOME LOAN PENNYMAC HAS NO BUSINESS IN MORTGAGE SERVICING AT ALL.AND IT IS TOO COINCIDENTLY MY PAYMENTS ALMOST MATHCED WHAT THEY DO NOW MINUS THE CEDIT CARDS SO IM SURE THE STOLE MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
CREDIT INQUIRIES REQUESTING CREDIT WITHOUT MY CONSENT WITH MULTIPLE DATES BEGINING XX/XX/16 FROM DIFFERENT CREDITORS

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 2021-06-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS has once again changed the terms of the note I have filed two complaints last year CFPB case # XXXX and # XXXX This was resolved and now this year they have changed my interest rate from 3.125 % to 11.625 % I will attach a copy of my note to this complaint if possible

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 2021-06-08
Company: EQUIFAX, INC.
State: SC
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 i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SO AFTER TRYING FOREVER TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION FROM XXXX. " XXXX '' ( WHICH WILL BE SUMMARIZED IN A SEPERATE COMPLAINT ABOUT XXXX ) MY LOAN WAS TRANSFERRED TO SHELL POINT MORTGAGE SERVICING " SP ''. SO IN AN EFFORT TO START THE PROCESS OF BEING REVIEWED FOR A LOAN MODIFICATION I WAS PUTTING TOGETHER A REQUEST FOR MORTGAGE ASSISTANCE AND CALLED " SP '' TO LEARN - ACCORDING TO THEIR RECORDS - BECAUSE THERE HAS BEEN ALOT OF CONTROVERSY REGARDING THIS THROUGHOUT THE LIFE OF THIS LOAN ... .WHAT THE MONTHLY MORTGAGE PAYMENT SHOULD BE ( ONCE AGAIN, ACCORDING TO THEIR RECORDS ). CALLING XXXX ON XX/XX/2016 AND SPEAKING WITH SP REPRESENTATIVE XXXX XXXX HE WAS ADAMENT THAT THE MONTHLY PAYMENT WAS {$3200.00}. AS THIS WAS QUITE A DIFFERENT NUMBER THAN WHAT XXXX HAD TOLD ME I ASKED HIM SEVERAL TIMES IF HE WERE SURE ABOUT THIS FIGURE?? AND THE ANSWER EACH TIME WAS A CLEAR " YES. '' SO I WAITED AND CALLED THE SAME NUMBER LATER ON THAT SAME DAY ( XX/XX/2016 ) TO DOUBLE CHECK ON THIS. THE REPRESENTATIVE WOULD NOT IDENTIFY HIMSELF BUT HE INFORMED ME THAT MY MONTHLY PAYMENT WAS {$5300.00}. 
I EXPLAINED TO HIM THAT THE FIGURE HE WAS TELLING ME WAS VERY MUCH DIFFERENT THAN THAT OF WHAT I WAS TOLD BY THE PREVIOUS SERVICER AND WHAT THE SP AGENT HAD TOLD ME EARLIER IN THAT VERY SAME DAY. BUT HE TOO WAS ADAMENT IN HIS FIGURE OF {$5300.00} AND WHEN I ASKED HIM SEVERAL TIMES IF HE WAS CERTAIN OF THIS FIGURE THE ANSWER WAS A CLEAR " YES '' EACH TIME. 
SO THERE YOU HAVE IT - IMMEDIATELY OUT OF THE GATES IN THE PROCESS TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION SP WAS STRAIGHT UP LYING TO ME ABOUT THE MONTHLY MORTGAGE PAYMENT ( WHICH OF COURSE WOULD MAKE IT IMPOSSIBLE FOR ME TO GET A LEGITIMATE REVIEW FOR A LOAN MOD UNDER WAY ). AND SINCE THIS HAS BEEN A SERIOUS ISSUE AND SOURCE OF GREAT CONFUSION GOING BACK ALL THE WAY TO THE ORIGINATION OF THIS LOAN COMBINED WITH THE FACT THAT I HAD JUST SPENT A WHOLE YEAR TRYING TO GET A REVIEW FROM XXXX ONLY TO GET A NEVER ENDING RUN AROUND - I REALLY HAD NO CHOICE BUT TO FILE BANKRUPTCY AT THAT POINT. AND WITH IT HAS COME MANY ADDITIONAL COSTS 2 ) TIME LOST ... .IT 'S TAKING A TON OF MY TIME AND FOR YEARS NOW I HAVE BEEN WASTING MY TIME ON THE PURSUIT OF A LOAN MODIFICATION AND I REALLY, REALLY NEED FINAL RESOLUTION TO FINALLY MOVE ON WITH MY LIFE. OTHERWISE I MAY JUST XXXX. SERIOUSLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Remex, Inc.
State: NY
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:
REMEX IMC. XXXX AND REMEX IMC. XXXX Your company have violated FCRA 615 ( f  ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious REMEX IMC. XXXX AND REMEX IMC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: SC
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 i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....

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 2019-05-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I mailed a rent check to my landlord at the end of XX/XX/XXXX for my XX/XX/XXXX rent. On XX/XX/XXXX my landlord informed me that he had not received my rent for that month. I looked into it, and saw that through online banking ( including pictures of the supposedly " endorsed '' check ) that the funds for my rent had been withdrawn. The check had been endorsed by a person that was not my landlord. I immediately ( as in the same day I found out ) went to a Santander branch to file a claim. I was informed by a Santander branch manager in XXXX XXXX, XXXX that based on my description of events that I would " get my money back. '' After four months they have determined that I was liable for the funds taken from my account by way of the stolen and fraudulently endorsed check. How is the bank that allowed this deposit not liable? How is the USPS not liable? How was this check stolen, and why does that make me liable? Am I now finding out that a signed check can literally be used like cash, and I have no recourse? I would like to file a complaint against Santander Bank due to this gross miscarriage of justice on the part of their fraud investigation team. I believe that they have not exercised their due diligence in this investigation. I was also advised multiple times, as I have checked in on this investigation periodically throughout the interceding months, not to file an official police report related to my claim. I feel as though I was deliberately mislead by Santander Bank to reduce their culpability in this matter. I will be filing a police report today, but I would like to file a claim with this agency as well.

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 2019-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Before I opened this account I went to a Bank of America branch and specifically asked if an ACH transfer of my salary from XXXX XXXX into this account would qualify for the {$300.00} account opening bonus ( as the offer stated that transfers do not qualify ). The rep to whom I spoke ( XXXX XXXX business card / letter attached ) stated that it would and the transfer clause only related to transfers from another Bank of America account. I therefore opened an account and three deposits of {$1300.00} were made. Bank of America are now saying these deposits do not count so I am not eligible for the bonus.

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 2021-08-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by Midland credit management. The case has been turned over to XXXX XXXX XXXX. I was not aware of this judgement until recently when I checked my credit and reached out to Midland credit management to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.

Company response to consumer: Closed with explanation