BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company is Specialized Loan Servicing. This is a 2nd mortgage that I received a letter and put to our front door for foreclosure on XX/XX/XXXX  and schedule to sell in the public after 3 weeks XX/XX/23. This 2nd mortgage is included to our XXXX  XXXX bankrupcy and just pop out after XXXX yrs. is fraud. I was trying to contact them no answer just answering machine to go into the website. This SLS company is frauding us to collect XXXX and even our first mortgage has not even modified. Please help to call this company and I mail a letter to check and letter for qualified written request. Today is XX/XX/XXXX  and schedule to sell in the public. 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 explanation
Consumer complaint received 2023-05-31
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-05-31
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Oportun found at https : //oportun.com/ is an XXXX Banking and it takes money out of your account that you are not using. 
When I tried to pull my money out and transfer the money back to my account it does not allow me to. 
They have no person who I can call just an email chain and a run around. I have been trying to access my money for a month and no progress. I keep sending tickets and I get put through more issues. 
I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NJ
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.

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 2023-05-31
Company: Experian Information Solutions 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 status incorrect

Complaint:
Re : CFPB complaint XXXX Closed with Debt Collector On XX/XX/2023 XXXX XXXX XXXX ( XXXX ) responded to my complaint with CFPB stating XXXX XXXX marked the account as disputed and has ceased collection at this time. Yet it is still reported and showing on my Experian credit report. XXXX stated in their response to CFPB that it hopes this resolves my complaint however Experian is refusing to remove the collection account from my credit report, which is very damaging. 

It is illegal for any credit bureaus to report inaccurate and fraudulent information.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: NV
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:
Theres inquiries on my credit report that i never authorized

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 2023-02-11
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We were forced to move out of our rental in XXXX of 2021 due to Covid and had to get into a cheaper rental. The entire month we left notice, we were hounded to move out and ended up not even using the the whole month. The last 2 weeks, we got XXXX and had to quarantine and were unable to finish moving out. The company XXXX XXXX XXXX threw all of our stuff away and then we never heard from them again. We checked our credit report last month and found that XXXX XXXX XXXX XXXX has a collection account for XXXX XXXX XXXX for an amount over {$4000.00}. Weve never received any type of paperwork at all. Weve dealt with XXXX XXXX XXXX XXXX in the past. They have tormented us, as well as family members and friends who have accounts in their hands. They make it IMPOSSIBLE to resolve any issues, and will NOT take payment plans or anything like that! We CAN NOT deal with them because we feel like they will retaliate against us just like they did in the past. They make it impossible to get the important paperwork that we need. We dont know what else to do. We would be able to work with any other debt collector who got that account, but we can not deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
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:
I recently looked at my credit report and see some violations on an account reporting to all three bureaus, Now, i did submit disputes last week to XXXX and Experian showing that this account was Verified. According to the FCRA everything has to be 100 % accurate across the 3 Bureaus. The account that I'm referring to is to XXXX XXXX XXXX  # XXXX. I'm Disputing the date last active so, like i said everything has to be 100 % correct across the 3 Bureaus and if not its a Violation of the FCRA. Below ill be uploading a picture of the credit report, but its showing 3 different dates as follows for XXXX its showing XX/XX/XXXX for Experian its showing XX/XX/XXXX and XXXX is showing XX/XX/XXXX. As you can see this account has been re-aged and that's a VIOLATION of the FCRA and need to be REMOVED.

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 2023-05-31
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/. I received notification from XXXX of an unauthorized credit inquiry on my Equifax credit report. The date of the inquiry was XX/XX/ from XXXX. I immediately notified Equifax that the inquiry was not authorized by me and that I did not give XXXX permisable purpose. This was done online through their website. The next day I received the following statement " Inquiries are of factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry ''. I contacted them again and specifically stated that this inquiry was not authorized by me and that it is not factual. This letter was mailed out on XX/XX/XXXX  and sent certified mail. On XX/XX/XXXX  I received a copy of my credit report with the credit inquiry still being reported on my credit report. They also stated that they will not remove it. As a result I am filing a complaint with your office and will take civil action if necessary if this isn't removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Wolf River Development Company
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$1600.00} in XX/XX/2023. My payments are extremely high interest. So I decided I'd like to pay off quicker. Well I made a payment for over {$500.00} thinking it was paying down this loan. Then they took out a payment for {$420.00} so I'm thinking it's not much more to payoff. Now they re telling me I still owe until XX/XX/2023. I am XXXX XXXX and this is confusing for me. I feel as though I'm being taken advantage of. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and XXXX stated that it was too late since the money was already taken out of my account. XXXX then drains my account and I had to end up closing my bank account connected to XXXX due to fraud activity. XXXX has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/XXXX  and told I need to respond my XX/XX/. I also can not login with my information on XXXX. I have changed my password and I am still unable to get into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and PayPal stated that it was too late since the money was already taken out of my account. PayPal then drains my account and I had to end up closing my bank account connected to PayPal due to fraud activity. PayPal has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/2023 and told I need to respond my XX/XX/2023. I also can not login with my information on PayPal. I have changed my password and I am still unable to get into this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wire transferred {$55000.00} from my WellsFargo savings account to an account that was not secure at XXXX XXXXXXXX XXXX. The funds were fraudulently removed after transfer. I was not advised by WellsFargo that the fund would not be secure after transfer. I lost the entire amount due to fraud. 

The details are enclosed in the document below. 

I believe it would only be a fair resolution and one that makes sense. For Wells Fargo to refund me the money I lost due to their misconduct. 




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 explanation
Consumer complaint received 2023-05-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company, Shellpoint, a division of Newrex, with a mailing address of XXXX XXXX XXXX, XXXX, TX XXXX and a phone number of : XXXX has forced us to escrow hazard insurance for 18 months at a monthly payment rate of {$110.00} while we have always maintained our own hazard insurance through XXXX XXXX on this mortgage, from the time we originated the mortgage on XX/XX/XXXX. 
We have sent numerous documentation showing our insurance coverage, letters regarding this issue- since we waived an escrow account, e-mailed the company proof of insurance to : XXXX, called and explained our situation a number of times, had our XXXX XXXX XXXX, XXXX XXXX contact them and email our payment history, etc. and declaration page, etc., without any resolution or reimbursement of the funds totaling {$2100.00} for the hazard insurance, that they have extorted from us for 18 months, as well as late fees of @ {$270.00} when we didnt pay the escrow account for approximately 4 months because as I said we had our own insurance. 
We also sent a letter with our documentation to Shellpoint Mortgage Servicing at XXXX XXXX XXXX, XXXX, SC XXXX where it states on the payment coupon to send correspondence for Notice of Errors in XX/XX/XXXX, and XX/XX/XXXX with no response. They substantially damaged my credit by posting late payments for the 4 months we didnt pay the hazard insurance, even though we have always made the mortgage payment on time. The lower credit score caused us to be unable to get a loan in XXXX, XXXX, for a primary residence we were hoping to purchase. My credit had been excellent prior to this and in 35 years of home ownership, I have never had a late payment in a mortgage. I have accrued additional interest on our mortgage that needs to be removed as well. On XX/XX/XXXX, I also emailed documentation to Shellpoint after speaking to their representative, XXXX XXXX. This whole issue has cost us a large loss of time, money and the purchase of a primary residence, and we have had to rent causing us an additional loss of equity in a home as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
To EXPERIAN XXXX XXXX : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.

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 2023-05-31
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX my account with this bank was brought current. I checked through the automated system to make sure that I had a XXXX balance before the next months billing cycle, which is on XX/XX/XXXX. The amount for XX/XX/XXXX - XX/XX/XXXX should be {$350.00}. I checked through the automated system when I paid my last payment, and also confirmed the amount with a live customer service representative and the amount which was due was {$290.00} remaining for XX/XX/XXXX - XX/XX/XXXX. Then it was paid in two payments, the last amount paid was {$160.00}. The next months bill which I am not allowed to view my account because the password is changed each time I log in or out of the account, is for one month. Not two months. There is also a problem with resetting my password. Regardless that I have entered the correct information for the password reset, the company requires me to call and speak to someone every time I log into my account. I find this to be XXXX harassment and abuse. Illegal collection. I do not owe more than one month for this auto loan for the XX/XX/XXXX - XX/XX/XXXX time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: LA
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 decided to review my credit report and notice unauthorized and also incorrect information or error on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report to find XXXX XXXX has several error on my report. It is missing the account type for Equifax, it is showing a charge off XX/XX/XXXX - XX/XX/XXXX on XXXX, yet it shows Paid on Equifax. It also is reporting as charged off while showing a current due balance. A charge off means they took the tax break already, so they can not also collect on said debt. 

Under FCRA ( Fair Credit Reporting Act ) section 609 I have the right to dispute any and all incorrect information being reported on my consumer reports which I am exercising with this complaint.

Company response to consumer: Closed with non-monetary relief