BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: Harley Davidson Financial Services Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After 40 months of continuous on-time payments through our XXXX XXXX XXXX to XXXX XXXX / XXXX, my husband and I decided to trade for a newer XXXX. There were no issues with financing because, as noted, never a missed or late payment. 

Since we traded on XX/XX/XXXX the first payment on the new bike was due XX/XX/XXXX. My husband paid, as standard, to the new account on XX/XX/XXXX. Unfortunately it apparently takes 5-7 business days for XXXX to receive payment from XXXX XXXX. Now, today XX/XX/XXXX. XXXX, barely 2 days after the first due date, my husband has received NUMEROUS harassing phone calls for the first payment. He tried to explain that it has been made through XXXX XXXX but just not yet received by XXXX. We also requested that the payment date be moved to later in the month ( say the 10th or 13th as that was our prior bike payment due date ) to avoid this situation in the future and allow time for XXXX XXXX to transfer funds. XXXX/XXXX will not accommodate this request and continued to harass us for a payment. I find this collection tactic appalling. And as a bank employee myself, I do know that until a payment is 30 days late, XXXX has zero collection recourse. We can provide documentation of the bankdraft on XXXX XXXX XXXX dated XX/XX/XXXX ( posted to the XXXX XXXX account XX/XX/XXXX ), but I will not attach via this method until someone from CFPB has contacted me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Submitted a 609 requesting verification of a debt that is not my account with Experian and XXXX. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.

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 2023-04-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I started a process to refinance my home with my mortgage lender XXXX XXXX XXXX XXXX. This lender i have since XXXX. I bought a property located in XXXX KY. This property had two adjacent lots in conjunction with the house. 
one at each side of the property. I paid a realty attorney to have partial release of those lots with their own deeds and this process was completed in XXXX. On XXXX we decided to refinance the home and get some cash out for home improvements. XXXX XXXX did the process and sent an appraisal person to appraise the property. We had the loan approved, we contacted XXXX XXXX they said everything was approved and the agent told us that the property was appraised as a whole with the lots included, to our surprise because we never talked about including the lots. She stated that in the past we mentioned to them that we were paying taxes at the end of the year and the property was taxes were not included in the escrow account now they fixed it and included lots and house in one account that way taxes were included in the escrow account. We then accepted that decision without much information or clarification from them and without knowing consequences. Three months ago we needed to sell one of the lots due to financial problems to find out that we were not able to sell due to the lots being included in the loan. After we paid to do process four years ago now XXXX XXXX said they can not do anything because we agreed to the loan and the lots were included. They said Penny Mac our servicing loan company is supposed to do it, Penny Mac is being holding this case since XXXX to XX/XX/XXXX and we still haven't heard anything done. We need this issue resolved asap, we don't know what else to do, This is Unethical, Unprofessional and abusive from this mortgage lenders, XXXX XXXX and Penny Mac. Can any one help please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America I have been fighting with their your fraud department for weeks and no one can figure out what is going on Bank of America Took a credit card application from someone that stole my identity in early XXXX of 2021 On XX/XX/XXXX, I faxed over the request for the application because I am in the mortgage process and need this resolved On XX/XX/XXXX, I called the fraud department and they admitted they made a mistake and instead of mailing it to my address on the request form, they sent it to the person that stole my identity address and put my personal information out there again On XX/XX/XXXX, I called again and the Fraud Department because I didnt get it and I am about to be declined for a mortgage because of this XX/XX/XXXX - Received a call from XXXX XXXX XXXX Bank of American corporate office after I emailed the CEO about the issue. He assured me I would get the information XX/XX/XXXX I received a call from Bank of America Executive Resolution Office that I would get the credit card application and things would be fixed XX/XX/XXXX I get a call from XXXX in the fraud unit stating they didnt have any requests from me and that I needed my police department to call to XX/XX/XXXX - I spoke to Executive Resolution Office ( XXXX XXXX XXXX telling me they had the request and try to get the report from fraud department XX/XX/XXXX - A call from Executive Resolution Office ( XXXX XXXX XXXX asking for a copy of the report I submitted and the fax receipt and I sent it to her XX/XX/XXXX - I received a partial application the identity theft person submitted for a credit card, but it was incomplete and Bank of America violated by right by not providing a complete report and by accessing my credit report without a full and complete application ( I think the have it and are just not providing it ) Bank of America was in the wrong, they violated my rights and still have not complied in full to send me the information that they must have received to run my credit for the pepatrator Please help me get this resovled in full

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 2023-04-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is an auto account listed on my credit report that is in-accurate or reporting incorrect information. This is negatively impacting my ability to attain credit.

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 2021-10-06
Company: Experian Information Solutions 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:
Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of XXXX. Both experian and XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2023-01-13
Company: Byrider Franchising, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CNAC is calling to collect a debt from my XXXX. The first time they called I told them to stop calling me and remove my number. 
They claimed on subsequent calls that my XXXX  had authorized them to contact me about the debt and that they could continue calling me regardless of what I say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: IN
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:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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:
We have received a NOD from Loan servicing. For years I Have communicated with them to give me an affordable modification payment but their demands were more than we can afford. Most times, when I plead with them for an affordable payment structure or modification, they would only offer me a short sale payoff option. 

We built our home in XXXX and raised our three children in this home. Due to COVID, our self-employed business became bankrupt. Unemployment was not enough to cover our first mortgage so we were on a forbearance plan until XX/XX/XXXX. Now we are up to date with the 1st mortgage but the second by SLS refused to give us an affordable payment and threaten to foreclose on our home. 

SLS refused to give me a modification when I contacted them in XX/XX/XXXX to get a worked modification. XXXX ID XXXX, my ( appointed relationship manager ) said, I MUST GO TO HUD FOR ASSISTANCE, as SLS can not help me. They also send mail stating that I should contact HUD for assistance. 

I did contact XXXX ( HUD program ) and submitted all required documents for modification. Five days later, SLS rejected the modification. XXXX XXXX told XXXX that SLS would only accept the offered settlement they sent in XX/XX/XXXX ( see attachments ) their demands are beyond our ability as their increased interest rates have accumulated to over {$210000.00}. 

The original loan is {$180000.00} with ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX the real-estate market crashed and we lost our jobs and investments In XXXX, we were able to get a modification with adjustable rate SLS became the new servicer in 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 2023-01-13
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Equifax have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Equifax is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have as morgage company a corrupted company bank. XXXX XXXX managed by shellpoint morgage servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees shellpoint morgage servicing claimed I owed on XXXX of XXXX XXXX  XXXX XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why shellpoint morgage servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the XXXX the credit report agencies but they didn't care i made a complaint here actually the second one and one of the XXXX or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as shellpoint morgage servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!

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 2023-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-06
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services continued to call me several weeks ago even though I had asked the company to stop calling me on my phone. It was only after mentioning XXXX XXXX XXXX that the calls stopped. 
A letter was sent to my address but my name is not " XXXX XXXX XXXX '' ; thus, legally this is not my bill even though my address was used. 
I do not owe XXXX XXXX. This matter had been presented to North Carolina Attorney General and the agreement was that the balance of {$100.00} would be credited by XXXX in lieu that I would not take further action against this party. XXXX was going to take the EBB funds for internet services and still charge me an additional {$50.00} ; the customer service agents were not consistent with what had been advised to me from the corporate office of XXXX. After calling several times to XXXX and being told that I did not have a balance, I believed the agreement had been honored. This collection bill is a surprise and it forfeits the original agreement with XXXX who had been reported to the proper agency for investigation. I have faithfully been a on time paying customer of XXXX XXXX until behaviors that appears to reflect discriminations and incongruent customer service as well as what appeared to be big corporate attempting to take advantage of a XXXX on XXXX, did I notify XXXX  that I would no longer use the services, sent back all of the equipment, and agreed to the credit of {$100.00} in exchange for no further action against XXXX and no further communications to the Executive Office. I no longer received any bills from XXXX and each time I called prior to XX/XX/21 I was told that I had a " zero balance ''.

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 2017-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.

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 2023-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank is holding {$300.00} from my tax exemption check of {$1200.00} deposited XX/XX/2023. They keep telling me different reasons like I had a negative balance or returned fees or for verifing funds. I had a postive balance on XX/XX/2023. I spoke to several agents and a supervisor. They said they are holding my funds until XX/XX/2023! This is the first hold they put on checks I deposit thru mobile. My bank is USAA in Texas. They have no local branches in TN or near me. I'm emotionally upset from no access to my money. I'm a XXXX XXXX XXXX Veteran with XXXX. Please help me. 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 2023-03-23
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The first thing that happened is they marked my credit with all these late payments when the government shut down. Under the cares act it shouldnt been marked late. They offered my deferments but charged me late fees for the deferment they offered. So I payed almost 800 dollars in late fees. The Last thing they did was charge me XXXX dollars in late fees cause the check I sent was 6 days late from them time they received it.

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 2019-05-25
Company: EQUIFAX, INC.
State: NY
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:
Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score XXXX stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.

Company response to consumer: Closed with explanation