BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer is SLS. Last XXXX we asked for payments deferred during the pandemic. We were granted XXXX through XX/XX/XXXX. During this time we elected to keep up with the escrow so we voluntarily paid the taxes and insurance to SLS during this time. We did not want a higher payment when we came out of this.

Although our 5 escrow payments cleared our escrow was not credited. In XX/XX/XXXX we began to make principal, interest, and escrow payments. 

I will download proof of 5 p and I payments deferred which matches our records. 

The escrow balance shows a negative XXXX which will also appear as a positive XXXX in the suspense account. 

The correct is escrow is XXXX which is XXXX per month with a total payment with p and I of XXXX We have now received a 2nd notice of default. with a notice of intent to foreclose. The default letter shows no payment for XXXX although a payment cleared XXXX. 

Another unresolved matter is adding force placed coverage in XXXX for {$2000.00}. This should also be credited. In XXXX an insurance premium was paid and the agency it was sent to did not send it to the insurance company. We moved to another agency in XXXX of that year and SLS was put on notice of the new coverage that was in force. On XX/XX/XXXX SLS paid for forced coverage that was not needed and also paid the new agency. ( Please see the attached ) Since we had coverage and there was no lapse the {$2000.00} should be credited to our account. 

I have also attached the 45 day notice of intent to foreclose.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: MI
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 appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2020-07-07
Company: Nelnet, 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:
I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. Nelent issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive been disputing a Bank of America account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.

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 2020-11-23
Company: HYUNDAI CAPITAL AMERICA
State: VA
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:
On XX/XX/2020 I filed a dispute with XXXX over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and KIA Motors Finance immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last 4 digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, XXXX is reporting in its completed investigative report that my KIA account is in bankruptcy based upon KIA 's last update on XX/XX/2020. When I called KIA Motors Finance when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called XXXX with the file/control # that KIA provides to XXXX that reflects updated credit information but XXXX claimed they could not make any changes.

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 2019-02-21
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other documentation.They provided me with billing statements which does not prove I am obligated to pay them anything.Do you have reported delinquent information to credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ill start with saying I bank with Chase. I received 2 checks from someone who said they would lend me some money. I tried to deposit them unknowingly they were fake checks. They were trying to scam me saying I need to send them money after I tried to deposit them. I closed my account. I had XXXX in my bank account on the XXXX. They said it would be sent to collections. I planned to pay it off when I got my check from work. I had made a new account on the same day through their mobile app. Everything was good and on the XXXX I tried logging into my account and it said there was suspicious activity, and to call them, so I did. They then said that I would never be able to bank with them again. I asked for a reason why and they said they couldnt tell me and just to know that they have the right to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of Identity theft and as a result, two {$20000.00} fraudulent USAA Credit Card accounts have been placed on my credit report and is has caused me to have 2 credit cards canceled. They were put on XXXX of 2019. Since then, a XXXX XXXX inquiry has been placed on my credit report. I did an Identity theft report and a FTC report and I contacted USAA on numerous occasions and they informed me that they have put it as a fraudulent account but the credit bureau keeps saying that they are reporting it and I had it removed from XXXX XXXX. They obeyed the FTC, an identity theft report when it was sent almost 2 years ago, and XXXX has ignored it the entire time. XXXX removed it and put it back on my report. I sent proof and was told if was sufficient and still it is being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EOS Holdings, Inc.
State: CA
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:
After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with Eos Cca, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Trying to collect a debt over 8 years old. I had no idea of this debt. And they couldnt provide me proof of debt. They are threatening to garnish my wages and have accumulated over {$800.00} in fees. They also call me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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: Account status incorrect

Complaint:
On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under the fair credit reporting act.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX   XXXX why I am in XXXX? XXXX XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was 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 2018-09-26
Company: CITIBANK, N.A.
State: MA
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:
Credit alerts from Citibank keep appearing my XXXX  - XXXX account. The reason is mysterious and Citi refuses to provide useful information or any correction or removal. My inquiries and complaints by phone got nowhere ; both XXXX and Citi blame the other and neither knew what a " New Tradeline '' was. 

A postal letter to the department Citi advised ( attachment ~1 ) got a reply that essentially said " we're right, you're wrong, gripe all you like. '' ( Duplicate replies on XX/XX/XXXX [ attached ] and XX/XX/XXXX [ not attached as redundant ] ) ( attachment ~2 ) ./ A further inquiry asking for specific information got an irrelevant reply with no answers ( attachments ~3 and ~5 ). 

The attachments should be self explanatory. Please read in order of ~1, ~2, ... .. 

NOTE : The latest " New Tradeline '' in attachment ~6 appears to be my latest payment with the cents dropped, but the " Affected by natural or declared disaster '' is a mystery as applied to my area, but may apply to Citi 's offices. It's still a mystery why it would generate a " New Tradeline,  '' especially after the bill was paid.

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 2023-01-25
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I fell victim to a scam person who gave me a fraudulent check that I did not know was not valid and now my savings account with this bank is negative and I really don't have the money to pay it back but they said unless I pay it back they would not be able to even consider me for a new account application I was wondering since I was a victim if they could just take these charges off and be willing to open a brand new account for me because I don't know any other way to make this work I fell victim to this before with other Banks so I'm really running out of banks that I can use now

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 2020-12-04
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:
Dear XXXX XXXX, Equifax and, XXXX Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my EQUIFAX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I had a lease with Gm Financial and I was 5 payments late which actually ended the lease they charged the vehicle off stating that I owed XXXX that is the total value of the car and exceeded the XXXX dollars that I may owe and that should be realized when thay send me my final bill. How could they charge the vehicle off and have possesion of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed LVNV Funding LLC has this account should be removed / deleted been an ongoing issue

Company response to consumer: Closed with explanation