BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
This has been an ongoing issue with SLS since XX/XX/XXXX. They froze my HELOC due to a credit score decline. My score declined due a fraudulent collection account with XXXX i/a/o {$30.00}. I contacted and filed a claim with CFPB at that time as I felt that there was no reason for freezing my HELOC. Only through the assistance of the CFPB was I able to get information from them pertaining to my credit score. I rectified the collection situation and the collection account was removed from my credit report. Accordingly my credit report improved back to the norm shortly therafter. I requested that they reinstate my HELOC, which they refused as I need to provide them with a credit report reflecting an improvement of my credit score, at my cost of course. At that time I refused. I recently forwarded them a recent XXXX credit report dated XX/XX/XXXX and requested that they reinstate my HELOC on XX/XX/XXXX. I received a letter dated XX/XX/XXXX which indicated that they are refusing to reinstate my HELOC until my FICO credit score is XXXX, at a minimum, time of origination. My credit score is currently the following XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX. My credit score as reflected is a very high score and warrants an extension of credit from any institution. SLS is stating that the score does not meet their requirement. How is it possible that the aforementioned scores do not warrant reinstatement? I 'm confident that they are extending credit to other consumers at scores below my score. I 'm very concerned that they are violating equal credit opportunities. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Supreme Lending
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. I made my 1st mortgage payment to Everett Financial dba Supreme Lending. Payment should have arrived no later than XX/XX/2022. However, as of today, XX/XX/2022, they have yet to process my payment. The only option they provided to make a mortgage payment was to mail in a check, despite the significant risk to doing so because of the likelihood of mail theft. I have verified the mailing address to ensure the check went to the correct location. I have also verified that I provided the correct loan number on the check- Supreme Lending has not provided me an account number. I have called Supreme Lending twice taking time away from my work schedule because they are only available doing general business hours. They have said that they have not received the check & implied I should have sent it certified mail. I don't believe I should have to spend the time or money to do that. They also said they may be behind in processing & will check with their processing department to see if the payment is awaiting processing. They have not gotten back to me with that information. I am at risk of being in default on my home mortgage payment or risking making a 2nd payment only to have them cash both checks. I don't have the money for that. Nor do I have the time to spend on multiple calls to them and my bank to resolve this issue. In the year 2022, they should have provided me a secure method to make my payment online. They did not. They are now making it my problem to address this issue and it's costing me money because I have to do it during my normal working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone fraudulently got a hold of my debit card and used CashApp to withdraw funds over 200.00 and overdrew my account. My bank cancelled the card, issued me a new one, investigated and refunded the money and reversed the overdraft fees. I have NEVER EVER USED CashApp and recently I received a CashApp debit card with the account $ XXXX ( my name and they have my address ) in the mail to activate. The 800 number does not connect you to a live person to have this account closed and the only way you can contact them is if you actually have an account and you can email them. I used my relatives account to email them and I have not received a response. I just want the fraudulent account cancelled as I have never opened one so that no one can do this to me again. There should be a way to contact these people in the event of fraud but is simply no way if you don't have an account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: WELLS FARGO & COMPANY
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:
An account for a credit card in my name was opened with Wells Fargo XX/XX/XXXX with a credit limit of {$800.00} with high credit of {$630.00}. It was reported on XX/XX/XXXX that it was current and then was paid off and then closed XX/XX/XXXX. I have never opened a credit card or a new account with Wells Fargo.

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
Consumer complaint received 2020-10-04
Company: CREDIGY USA CORP.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! 

I received a letter from XXXX stating this account was bought by Credigy, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: SANTANDER BANCORP
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complain is against the Banco Santander of XXXX XXXX, Puerto Rico. The Bank made a mistake in their systems and sent incorrect information to the credit bureau 's agencies, XXXX, XXXX, XXXX and XXXX. Since XXXX XXXX 2004 I have a mortgage loan with Banco Santander from which I was and I 'm the primary loan owner. All my credit history was reflected in my credit reports for the past eleven years until a recently. A change was made in the mortgage loan account to remove my ex-husband from the account ( as agreed on the divorce settlements and court ). " Apparently '', a mistake was made by the bank were their systems sent the incorrect information to the credit agencies and all my eleven years of credit history were eliminated and transferred to someone else. During the process to open a dispute with XXXX and XXXX to correct the error made by the bank, I learned that they transferred my credit history to someone else ( apparently my ex-husband ) by the instructions or information received from the bank. I contacted the back to inform them about the error and to open a dispute to restore my credit history and to reflect my current balance due in the credit reports. Today, the bank has not yet contacted any credit agency to correct the error. All my credit history was deleted from the Transunion data systems and even do I sent them evidence to prove that I 'm the owner of the account they ca n't restore the data until the bank resubmit my credit history. My mortgage loan payments and history are now reflecting in someone else report and since the error occurred ( close to 2 months ago ) every payment I made to my loan y going thrust someone else credit account. I need your help to restored my eleven years or credit history in my credit report and to reflect accurate data which includes current amount due and the payments history. I have all the necessary evidence to prove that I 'm the owner or the loan and the property in question. I 'm afraid this could be a security breach or something done intentionally to favor someone else that has not rights over the loan, the credit history or the property purchased with this loan. I 'm concern that the bank is not taking the necessary measure to contact the credit agencies and fix the issue. None of the process issues to report listed in your first question of this complain is applicable to the issue that I 'm complaining about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WSFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX  OF XXXX GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX THE HOME WAS NOT ABANDONED BY THE XXXX NOR THE XXXX XXXX XXXX DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS, THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE WAS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX of XXXX sent {$69.00} bill to collection company Capital Account which does not belong to me. I am not their patient and never was. My wife was their patient back in XX/XX/2019. She had some services done back then for which they charged to our joint insurance company already who approved their bill. They forgot to mention that to their collection company who reported delinquency to my credit bureaus. That act hurt my credit. We are in middle to purchasing a house but because of that delinquency we have to postponed our plans. This will cost us some money. 

My concerns : 1 ) They have my wife 's info when she was their patient. Why didn't they charge her instead of me? Understand we have a joint insurance card but when it comes to a bill or collection, shouldn't they be looking into their accounts and reach out to the right patient instead of their family members. Isn't this a HIPAA violation? 
2 ) If they have charged the insurance company then why they are charging us? isn't this a double dipping? NOTE : this is not a co pay or deductible that my wife is responsible. This is an actual bill and insurance company agreed to pay them. 
3 ) As per my wife, they have charged the insurance company for some work in the past that they didn't do. My wife filled a complain and then they reversed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Roycroft Management
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got calls from different area code XXXX numbers saying that if I do n't call a number they will bring documents to my home or workplace. The voice identified itself as XXXX XXXX and told me to call XXXX XXXX XXXX XXXX. His call originated from XXXX XXXX XXXX XXXX. I 've had calls like this before, and it was quiet for awhile, and now starting up again. I do n't believe I have any outstanding debts, and do n't appreciate them threatening to come to my home or work. Please look into this for me. Sincerely, XXXX XXXX ( XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home equity line of credit with First Merit Bank now part of XXXX and recently closed it due to the sale of my condo. I was assessed an account closure fee of {$350.00} even though the schedule of fees did not include this fee. Buried in the language of the loan documents it said that they MAY charge an account closure fee. It did not state that they would charge a fee. I spoke to an individual that stated even though the language says they may charge a fee it is their practice to charge a fee. This language is extremely ambiguous as the institution can pick and choose who they want to discriminate against and charge this fee. Being a XXXX customer, I feel that I was unfairly discriminated against due to my XXXX background. Further I believe this to be a UDAAP violation as they are engaged in a deceptive practice indicating that they MAY charge a fee when they do charge it. 

A formal investigation should be opened against this institution and there should be a regulatory enforcement action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, 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:
submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by U.S.P.S. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from Equifax. And XX/XX/20. 

XXXX, XXXX XXXX was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | XXXX : XX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

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 2017-05-21
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My XXXX account was included in a bankruptcy filing in 2010 which was discharged in that same year. I did not respond to correspondence from the debt collector about the allege debt for the reason mention above. The collection company should had performed ( due diligence/requested full disclosure of account status ) before acquiring this debt from XXXX. I 'm complaining about it because now its erroneously being reported to the credit bureau and adversely affecting my rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX | DOB : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by CACH collections in the month of XXXX stating I owed an OLD loan debt in the amount of {$11000.00}. I told them I had no idea what this was about and to provide me with the original paperwork for this loan and all other original paperwork. They refused to provide that info and stated to me that they don't have to give me the original paperwork, they only have to give me their invoice/bill. 

They stated to me that is was a debt from XXXX which is VERY OLD. I expressly told them that I have never taken out any type of loans on my report and nor did I have any collections on any of my credit reports. a month after talking to them, CACH collection placed this collection account on my credit report. 

on XX/XX/XXXX, I spoke to them again and they refuse to provide any help or the original paperwork that I have been requesting. By law, any collection company has to provide the original paperwork to show proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: NJ
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:
This credit reporting agency Equifax removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.

Company response to consumer: Closed with explanation