BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband was a loan XXXX at Amerisave Mortgage Corporation. We started the approval process, got our approval, went under contract on a house, and now are 14 days from closing. When my husband was laid off from XXXX on XX/XX/2021 they also closed my loan file " for an incomplete credit file '', when we had no more work to do and refused to pay him on the loan. Now we have to go to a new loan company and start the process all over because they closed our loan with no cause and without any permission from me the borrower. As my husband describes, the loan was " in closing '' meaning, the docs had already been sent to the title company to balance and the closing date was scheduled. Pretty ridiculous as far as I'm concerned!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX this account was closed, items returned, and had a XXXX balance. Consumer is now trying to collect money that I do not owe them. It has been 4 years since I have had any contact from them. I feel this is fraudulent in the amount and should be dismissed. I never went back to this consumer, and since it has been 4 years, and they are trying to collect an amount that is not true, I feel it is fraudulent and the collection company is committing fraud. I have never had any contact from them until XX/XX/XXXX. I pay my bills and am responsible for proven bills. There has been no proof of my owing this, other than what they put on my credit report, and it is erroneous. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing about my problem with ncb management. I requested on XX/XX/2021 via email the verification of debt. I had spoke to a supervisor on the XXXX who told me to send a email with all the information I was looking for. So I did that and was told if I didn't receive anything within a week to call back. When I did I was directed to mr. XXXX who said he will be handling the matter from now on. He gave me his personal number to reach him. When I spoke to Mr. XXXX he stated that they sent a email to me and he provided the email address it came from and I told him I had not gotten any email. He said okay well I can send it to your address and asked for my address. I provided it and still didn't receive anything. I called on XX/XX/2021 and left a voice-mail for Mr. XXXX asking what the status of getting the verification as I still haven't received it. I still have yet to get a call back or verification of debt. I then sent a email inquiring about the verification of debt on XX/XX/2021. I still haven't received to response. I then sent another email on XX/XX/2021 telling them I would like to get the verification or debt and some sort of response. The reason I am asking for verification is because the original company I had the loan through agreed if I returned the car and paid them XXXX the debt was settled as they sold the car for over XXXX So to my knowledge it was completely settled. I then noticed on my credit report that i now have this huge debt with ncb management. I called XXXX XXXX  who said my account isn't open so they can't give me any details. So that is when I reached out to ncb management on XX/XX/XXXX. Mr. XXXX stated once I get the verification of debt that i could call him and he will discuss with me what he had sent. I feel this isn't right as I was told by the original company it was settled so I wanted proof of what I supposedly owed. From my understanding I was supposed to receive within 30 days the verification of debt and I haven't and the company isn't responding I will try to attach the emails to this so you can see i have been trying to communicate. My initial contact with them was through a employee named XXXX XXXX, every communication after was with Mr. XXXX, email and voice mails were left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: General Motors Financial Company, Inc.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Dear Sir/Madam, I am writing to describe an issue that I have experienced with American Express National Bank XXXX I applied for a credit card with the company and was approved without the proper verification of my income. Due to my current unemployment status, I have been unable to make payments on the credit card and am now being sued by the company for the amount owed. 

I believe that he company 's oversight in properly verifying my income prior to approving my credit card application has resulted in a challenging financial predicament for me. I approached the American Express National Bank Credit Collector Customer Care representative to request a postponement of the monthly payment due to my financial hardship. However, the representative declined my request and did not seek counsel from their manager, instead insisting on the high monthly payment amount, rendering the credit card unusable for me. I even expressed interest in a Product Management role in Software Services and asked if they could refer me from American Express National Bank Credit Collector Customer Care representative however, my request was denied. 

Furthermore, I was distressed to learn that an Amex employee contacted my sister regarding my debt, jeopardizing my personal information and putting a strain on our relationship. This incident has caused me considerable anxiety and stress, particularly in my relationship with my sister and other family members and in my ongoing search for employment, which has proven to be a challenging and uncertain process. 

When I offered to pay them the amount I could afford monthly, under the condition that they do not freeze my account while I am making payments and allow me to continue using the credit card, they refused to reach a settlement and instead informed me of a lawsuit, which I discovered today. This is because my current address does not match the one listed on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with SPS - Select Portfolio Servicing. I tried 2x 's to do a loan modification. I told by SPS the investor will not do a loan modification, its not allowed. I was then told I was approved to do a short sale. My Realtor has submitted the documents to start the process. SPS needed to do an appraisal, which was completed on XX/XX/2019. I found out the same day SPS placed a sale date of XX/XX/2019. That's in less than 30 days. SPS told me and my Realtor they would allow 60 days for marketing to sell the house. Once again, SPS lied. How can SPS be allowed to start the short sale process, and then place a sale date on me to force me into foreclosure.? Isn't that illegal in the state of California?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked

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 2022-11-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
To Who it may concern ; This is about the consumer credit transaction entered with your company dated XX/XX/2016 and I extended your organization the credit for account XXXX. I hereby give your company WELLS FARGO CARD SERVICES notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

Wells Fargo Card services didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages.

Thank you for you attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
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:
Fedloan Services are reporting the duplicate loans as closed accounts and transferred and also as open and current on my credit report. The closed loans were apart of the Rehabilitation Program by Department of Education which were in good standing after they were consolidated and the completion of the program. I was promised that the past late payment would be removed and sold to another loan carrier. Fed loan picked back up the loans and are reporting the same loans as current and in good standing and the closed account as missed payment. All the loans have the same amount and loan account number. I have disputed this error with fed loans and was giving the run around to why the duplicate loans ( which are the closed account loans ) were not removed from my credit report after I finish the Department of Education Rehabilitation Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # XXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-12
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 believe, that my personal information was stolen by somebody and I was victim of Identity Theft.

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 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We are a Freight forwarding company established in XXXX and based at XXXX CA. We have an account with Bank of America, XXXX CA. On XXXX XXXX, XXXX we transferred {$13000.00} to our own back office / customer service center based in XXXX. As of today XXXX XXXX, XXXX the corresponding bank in XXXX has not received the funds. We have made several contacts with Bank of America at XXXX CA in person and over the phone. Our last contact was with XXXX XXXX and all he kept telling us was to wait and see what happens. Bank of America has put a recall on the funds based on our request but is taking no responsibility for the funds. Funds were transferred using online service provided by Bank of America. 

We need your 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 2023-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX  you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Name Address XX/XX/XXXX Equifax Information Solutions LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX   {$270.00} XXXX XXXX  {$110.00} XXXX XXXX  {$220.00} XXXX XXXX {$210.00} XXXX XXXX {$250.00} XXXX XXXX  {$230.00} XX/XX/XXXX I received a email dispute confirmation all six Disputes. XX/XX/XXXX I sent the {$0.00} balance receipts for each account that were emailed directly from original provider XXXX XXXX XXXX  XXXX. Debt XXXX XXXX and XXXX XXXX requested the validation information from XXXX and to this day have yet to t receive any response. Its now been more than 90 days since the request for debt validation. 
XX/XX/XXXX I received the letter from Equifax stating the debt was verified. I've spoke to a representative from XXXX and XXXX XXXX to inquire how the debt was validated. I was told they were still waiting for a response from XXXX. This was almost sixty days from when they received request for validation. 
I request that you describe the procedure adopted buto verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. 

XX/XX/XXXX Dispute ( XXXX XXXX and XXXX XXXX ) Confirmed ( ie letter ) XX/XX/XXXX Dispute documents ( Six Paid Receipts ) received Confirmation ( ie letter XX/XX/XXXX Confirmation XXXX XXXX  Dispute Status Validation Confirmed XX/XX/XXXX Confirmation XXXX  XXXX XXXX and XXXX XXXX disputed accounts remain on credit file. 

Sincerely, My Name XXXX  www.CONSUMERFINANCE.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was checking my credit report and noticed I had quite a few unauthorized inquiries. The following companies below XXXX is showing the below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not grant authorization for any of these companies to make an inquiry and view my credit report.

This is a severe infringement of my privacy rights and a violation of Fair Credit Reporting Act Section 1681b ( c ).

Company response to consumer: Closed with explanation