BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX representing some client 's of mine and they are going through a short sale. The bank who holds the loan is Flagstar based out in Michigan. I met the owners in XXXX and have had all necessary paperwork prepared and submitted since XXXX and have heard nothing from the bank. I call in to a service rep about once a week and they give me same update. They say the processor who 's name is XXXX XXXX has n't gotten to it and there is no update. Everytime I speak with the short sale rep they say she will call me to provide an update but never has once. I have emailed her about 3 times as well. I put my complaint into the bank and of course received nothing back from them. My client 's fear is that the bank is just skipping the short sale step and going straight to a foreclosure. She does n't want them to show up one day and have all of her stuff be thrown out on the lawn. I have all the necessary documentation about my client 's situation and why she ca n't pay mortgage anymore. Please advise what we can do about this situation as we have had paperwork prepared for four months now and have n't heard one thing from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is charging me outrageous amount $ XXXX {$7100.00} on an automobile which I no longer have in my possession due to an accident. The information they have provided is confusing and I do not agree. I reached out to this company to try to rectify this account but I am not getting anywhere. Santander reported this account to my consumer report which is reporting errors and I am totally concern with how the bureaus are letting this happen. 

I request an investigation on this account back in XX/XX/2022, but I am only receiving a computerized template from the bureaus stating verified which is not providing me sufficient information on this account. This account should not be reporting on my consumer report with all the inaccurate information. 

This account is chargeoff but still reporting a past due amount which is a violation of From my understanding this company Santander been getting away with sabatoging peoples consumer report by reporting misleading and false information. They were sued XXXX years ago for this practice. 

15 U.S.C 1681a ( 2 ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was exposed on the XXXX XXXX  and I am a victim of identity theft. Fraudulent accounts were opened using my name that was not me nor do I have any knowledge of. These accounts are ; XXXX XXXX opened on XX/XX/XXXX with balance of {$9300.00} XXXX XXXX XXXXXXXX opened XX/XX/XXXX with balance of {$1100.00} XXXX opened on XX/XX/XXXX with balance of {$3700.00} XXXX XXXX opened XX/XX/XXXX with balance of {$9400.00} I filed a police report ( XXXX XXXX  XXXX ) to report this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days. letters were sent out on this date XX/XX/22

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 2021-03-15
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: Personal information incorrect

Complaint:
My first name is XXXX XXXX XXXX XXXX XXXX XXXX but equifax is reporting XXXX XXXX XXXX XXXX XXXX missing the second letter I between the V and A after many disputes equifax refuses to update my name and its becoming frustrating and overwhelming please help. Attach to this dispute I am providing an utility bill to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Yes, include name, old address, XXXX account I never applied for also XXXX  XXXX credit card. All from the same lender Midland credit management one for XXXX $ another for XXXX $ at the time the card was applied for I wasn't leaving at that residences anymore. I had moved otut in XX/XX/XXXX I believe the account where made in XXXX or XXXX of XXXX. I just received a letter this year. I began to fix my credit score and account in my name that I had no clue what so ever where and when cause I didn't creat those two.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$13000.00} and a closed auto loan account # XXXX which you claim I owe {$0.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to American Honda Finance agent of this matter and sent police report, affidavit, id, proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a savings account with USAA that I can not access. 
I need a certified check because the bank no longer has branches in VA, I changed my cell number, and the authentication requires a security code be sent to the phone number in my profile. 

I have gone through the prescribed process of submitting my drivers license through the USAA.com/verify site 5 times and reached out to the bank for the past XXXX weeks. 

I need to make a payment and have not received help from the bank. I have an ATM card from the bank that does not meet their requirement for verification purposes because the card does not have the security code. I need to gain access to my account. I now have a URGENT need for funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint against JP Morgan Chase. My home was illegally foreclosed when JP Morgan Chase sued my XXXX deceased veteran husband. I never received a XXXX from the sale of my home. I paid more than 80 percent of the loan, and my home was sold many times over never receiving any money from the illegal sale and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bonded Adjustment has called family and friends only stating " it's a financial matter ''. The individuals who called refused to identify them selves or their company. I was told they used a threatening tone, rude, and passive aggressive language when telling an acquaintance I  needed to call them at XXXX. I XXXX  the number to find out who the person was and it came up under Bonded Adjustment.

I have had dealings with these people in the past and the old woman whom I spoke with told me they were going to garnish my wages and keep garnishing until they got all they are owed. She also stated it will take a while because they will continue to add interest to the unpaid portion.

I have received several calls in a day, multiple calls through the week from different numbers related to Bonded Adjustment. The identity  registered " UNKNOWN '. The calls seem to be more frequent since the plague has stricken the economy! In my opinion, if they were doing things legit, why do they feel they need conceal their identity? Also, they use the same tactics as scammers and identity thieves. If any response is " yes '' they take it and run with it makin

g the lives of consumers a living hell!! That is how they trapped me a few years ago when I answered a call " UNKNOWN ''. I
was asked my name, if the number called was mine, birth date and the woman hung up. The next thing I knew, my savings account was minimal. It took me a while to find Bonded Adjustment was in my account!! 

When I moved in to an apartment, I couldn't get power due to a bill I had forgotten about in the midst of moving. I tried to pay the power company but was told I had to pay Bonded Adjustment. When I called to pay the outstanding electric bill, the woman who answered would NOT accept the payment unless I paid in full from an account I had no knowledge of from several years prior. When I stated I need make my car payment, she responded " you better borrow some money, or find another way to make tour car payment or you won ; t have any power! '' They are still at it today using similar schemes and tactics a bit more advanced and updated with artificial intelligence!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made XXXX consolidation loan # XXXX with Pentagon Federal Credit union and I was looking why my account after almost 3 years or 28 payments exactly is still XXXX from a loan of XXXX and I called them and Supervisor Lan employee number # XXXX on Saturday XX/XX/XXXX at XXXX XXXX told me that she thought my loan had a maturity date on XX/XX/XXXX and I told her that after 28 payments with only 3 of them sent the principal and all of the other 24 payments are being going to interest only and no part to the principal she told me that I had signed if I ever made a payment on late they will be charging me interest of the loan until it was covered fully and its a XXXX a month which on my calculations will be never paid. This is a predatory lending as I have verified.

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 2021-03-15
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Loan Depot in XXXX XXXX, CA about a refinance on XX/XX/2021. They collected all of my information and stopped returning my calls or responding to inquiries. I made attempts to call and email them on several occasions, including XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are not responding. However, I received a call from my insurance company that they changed themselves to be the mortgagee on my policy. I don't have a mortgage with them. We never closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filing this complaint with regards to a Public Record Information as being inaccurate. The law and by definition defines the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I have a right to know who and where they have " verified '' this information. This negative is unjust and is holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court did not verify this derogatory entry and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Early Warning Services, LLC
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:
I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX  XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my Earlywarning and XXXX systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX  and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to XXXX XXXX and Earlywarning, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXXXXXX XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over 10 years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX early warning- XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX  XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to Chex Systems and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXX  XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX  years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n  begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX Institutions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chex systemsXXXX 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 2015-10-06
Company: Army and Air Force Exchange Service
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello below is the letter I sent the Military Star card. I was told I was 30-60 day late. I tried to make the payment and there was a glitch in the system making me late. I would not had been late on purpose as I am trying to apply for a mortgage my credit score has drop XXXX points since this incident. I was asking your assistance in removing the 30-60 day late. 

XXXX : acct # XXXX XXXXInbox xCredit Reporting DisputesXXXX XXXX ( 6 days ago ) Dear XXXX XXXX The Exchange is a non-appropriated fund instrumentality of th ... 

















XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 6 days ago ) to CreditGood Afternoon, I would like to thank you for checking on this matter. I am really heart broken that you all could n't assist me in this matter. I felt like I have been let down again by my country. I served this country with proud and dignity, I was injury while doing so. I was unable to work for months and was limited to income, but I tried to pay my bills with what money I had. I never intended to be late on my account therefore I paid as much as possible to keep this account from affecting my credit. I would like to state again I scheduled a payment online via your website to pay my bill for XX/XX/XXXX payment and it did not post. This one incident is causing me and my family to loose out on a dream I have been trying to achieve my entire life to purchased a home. There is know way I would wait until the last month and jeopardized my credit by not making a payment I was inform to make. 




If there is anyway you can help a XXXX Veteran the time is now for me. I am begging and pleading for your assistance. I am requesting if this email could be sent to the CEO of the company to review my case or if I can have a point of contact to reach He/or She. I ca n't give up on this that 's why I am reaching out to everyone. I have ask my Senator and Congressman I even email the White House to help assist me in this matter. I have a payment schedule for XX/XX/XXXX and I like I said previous I will never be late again. Please help me and my family. 




Yours Truly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX XXXX about a debt that was previously deleted from my credit report, I stated to them that I gave the Department of Veterans Affairs, my permission, to speak with them. They gave the VA representative a hard time. The VA then sent me letters that coincide with the dates of service and the letters also state that I, the Veteran, is not responsible for the medical bills. The collection agency is also charging 2 identical amounts for services on the same days, in the amount of {$1400.00} and an amount of XXXX. I emailed the collection agency a copy of all letters that the VA directed me to give to the collection agency and they did receive them. I do not owe those amounts. The collection agency then put a negative statement on my report that, I still owe this amount, even though, they have no information on me. Please help get this deleted feom all 3 credit bureaus.

Company response to consumer: Closed with explanation