BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS responded without answering the question and continues to deflect by asking for information that is already provided. It is a business ploy hoping the consumer will give up. I have all the time in the world to make sure a company does not misrepresent my account. Here is the last line of the latest SLS response : If your records differ, please forward payment documentation, such as complete, unedited bank statements reflecting any disputed payment, for additional research. 

The attachments were provided in a letter to the company on XX/XX/2019 and attached to complaints. The company is using circular logic where they answer without responding to the question, hoping the Consumer will give up. I have all the time in the world when it comes to a company trying to misrepresent my account. 

For the 3rd time, the attachments show no payment due. SLS is avoiding the issue by not reading the receipts already attached in complaint # XXXX and in a letter to the company dated XX/XX/2019. Let 's see if they acknowledge the receipts attached and admit there was no payment due for those months as stated in the receipts. I continue to honor my responsibility by paying each month, but SLS does not honor its ' accounting. If SLS notes there is not payment due ( see receipts attached with this complaint, in complaint # XXXX, and in a letter to the company dated XX/XX/2019 ), then there is no payment due for that month. 

This is not the 1st time SLS has tried this tactic and then had to admit their error. See complaint # XXXX. Are they cheating Consumers? Does it matter that this company continues this practice? Your organization needs to escalate this to the appropriate Regulator. 

Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 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

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 2019-06-12
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted American Medical Collection Agency on Friday, XX/XX/2019 to pay for an outstanding balance with XXXX XXXX. The initial bill was reduced from {$1000.00} to {$150.00}. I gave AMCA representative my card and he gave me a confirmation number XXXX that the account is paid in full. On Tuesday, XX/XX/2019 I noticed that I was charged twice. I called AMCA and spoke with 2 representatives who assured me that they would review and take care of the double charge. The same day I emailed them a printout from the bank showing a double charge. To date, they still have not refunded the overpayment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my consumer report there is an account being reported as debt owed. This account is showing deliquent on my account and its affecting my credit worthiness. I contacted the company that the debt collectors are saying there are trying to collect for and recieved proof from the company that the account can not be verified because the have no information on me. I belevive that this account was apart of be identity being stolen and used which is why I have a fraud alert on my account from a previous address. I woill like for this account to removed immediately from my consumer file because it is not accurate and not validated to be mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forbearance from last 18 months, and Mr. Cooper is now forcing me to start making payments when I am not in a position to make payments. 

I asked Mr. Cooper to do a Modification under cares Act, instead of reducing my payments, they increased it by {$550.00}, they have completely lost it. 

This is not justified and doesn't make any sense. 

Not only they increased my payments, they also increased my principal by XXXX This doesn't make any sense to me. It seems they are just being greedy and nothing else. They haven't worked on their interest rate, they are still charging me 5 % interest when market rate has gone down to 2 %. 

I am attaching the loan modification letter over here. 

Other thing is my Point of Contact " XXXX XXXX '' is also not available, I called on her phone number provided, someone else picked up the phone, the person who picked up the phone said that she can not receive inbound calls, and she can only make calls whenever she feels like. I faxed her on Fax number ( XXXX ) XXXX but there is no response. It seems they all have lost their senses and they just need money, that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. XXXX XXXX XXXX XXXX is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX  multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). XXXX XXXX XXXX XXXX refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that XXXX XXXX XXXX XXXX continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from XXXX XXXX XXXX XXXX by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I've also made XXXX XXXX XXXX XXXX aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if XXXX XXXX XXXX XXXX does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Self Financial 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:
I paid this loan with self off the way they reported the loan should had been paid in full instead they reported closed account. This caused my score to plummet 44 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: HI
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:
I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: NC
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, the consumer has sent XXXX XXXX of Equifax 3 separate presentments over 120 days about the inaccurate negative reporting accounts on my consumer report. I filed a CFPB complaint last week and they are saying it will take up to another 60 days. Equifax is in violation of 15USC 1692, 15 USC 1681 and 15USC 94 but they are also in breach of my Common Law Copyright Notice for continuing to commit fraud and not issuing a written apology as stated within.I am a private federally protected consumer with Rights and I DID NOT GIVE EQUIFAX PERMISSION to speak with a third party, release my information or add inaccuracies to my consumer report. I DENY Equifax 's request for an 60 days to reinvestigate and expect my demands to be satisfied IMMEDIATELY to prevent a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EOS CCA is collecting for XXXX XXXX. I don't owe XXXX XXXX. I have informed EOS of that from the moment they first made contact. I have asked them to prove that I owed XXXX but they just ignore me and keep attempting to collect this debt. XXXX XXXX gives all customers a 14 day ( from date of purchase ) trial period to try out the phone and XXXX XXXX without incurring an early termination fee. I terminated and went back to XXXX within the 14 day period and verified that with XXXX. EOS CCA has and is ignoring my pleas for debt validation and continue to report this to the credit bureaus despite my pleas, disputes and presentation of accurate information. They also re-aged the account to do maximum damage to my credit. I have asked them to validate the debt numerous times but they will not listen. When I just recently contacted them to try a different route they stated they could not delete this and that the only people who can delete this is the credit reporting agencies. They continue to give me false information and ignore my requests for validation. All the while they report derogatory remarks while knowingly in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: 1st Money Center, Inc., Hurst, TX Branch
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX is working with several coin companies on pump n dumps and costing americans billions of dollars by the day scamming people with pay to play tactics. i can send you more proof plus my XXXX login. So far hes pumped XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Verisk Analytics Inc
State: NC
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: Public record information inaccurate

Complaint:
Company does not explain where it got its information from. My Bankrutpcy is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Since XXXX I have been disputing improper accounts on my credit report, I have reported them as not mine and being fraudulent since, not once was Experian or the creditors able to provide me with a contract signed by me with their companies, not once did they provide a contract that proves the accounts belong to me, each time I dispute them, they do not reinvestigate the issues, they provide same responses to the accounts as they have in the past. 
Below are the accounts in question Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature on it Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract Experian is the worst when it comes to investigating disputes, they do not take consumer issues to heart nor do they care the improper reporting does to a consumers life.

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 2019-05-20
Company: SYNCHRONY FINANCIAL
State: FL
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:
The company has refused to accommodate my XXXX and has refused any interactive good faith process to accommodate my XXXX in accordance with the XXXX. 
Each time I asked I was ignored or hung up on. 
This happened over 20 times.

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 2017-11-17
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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:
My complaint is against XXXX, Equifax, and XXXX for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX, Equifax, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX, Equifax, and XXXX how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX, Equifax, and XXXX to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2019 RE : Social Security Number : XXXX-XXXX-XXXX To Whom It May Concern, This letter serves as a dispute and claim to be filed against Pentagon Federal CR UN in regards to account # XXXX. 
I called on XX/XX/2019 at XXXX ( time stamp ) and an employee, on a recorded line, stated that I could pay three monthly payments of {$480.00}, automatically deducted from my checking account, and my account would be brought current. I expressed concerns about the payments being too high, and asked if they could be lowered. The employee stated that this program would allow me to make the three consecutive monthly payments of {$480.00}, Pentagon Federal CR UN would bring the account current AND after that it would be allowed for the payments to be lowered. 
I called back on XX/XX/19 XXXX and spoke to a manager who took their time to listen to the call, came back and apologized for the misinformed information and that that specific employee does not work in that department any further. 
According to the Commonwealth of Virginia, oral contracts are enforceable, and because the verbal contract has been broken by Pentagon Federal CR UN it is a breach of contract because Pentagon Federal CR UN did not honor that. I was taken advantage of and lied to by an employee of your establishment. 
Since this was determined based upon a recording this is a formal letter for this account to be completely deleted off of my credit report. 
Their improper procedures are highly damaging to my credit score. 
Please immediately delete these items. 

XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/6039XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA 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 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America allowed a credit card payment I made to get reversed fraudulently. I did not make this request, and neither did any authorized users on the account, so this is due to fraud. Money from the reversed payment is now missing and Bank of America refuses to tell me where the money has gone or issue a refund to my account. I have been calling them and complaining for several days with seemingly little progress. I need access to this $ XXXX which was disappeared from my account due to negligence at the bank immediately not in 7+ business days as they have been suggesting. Anytime I call the bank I get transferred again and again until they eventually hang up.

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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
TransUnion signed me up for their monthly premium subscription in XXXX. I have not used this site, nor did I want this service. The company has been charging me XXXX each month since then, despite never warning me via email I recently noticed these fraudulent charges on my credit card statement. They have charged me a total of 9 times at XXXX each for a total of XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I tried to settle this with TransUnion, but they refused to refund anything, even though I never used their service or wanted their subscription. An Internet search suggests that many others have been scammed by this site. Please look into this. Thank you.

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