BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-14
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company recently purchased my XXXX mortgage. Was in contact for a month or more regarding my intent to refinance from an old XXXX to XXXX loan. At the last moment, they added the payoff to the loan as a " monthly payment '' to XXXX causing my debt ratio to go XXXX %. My credit score averages around XXXX. They lied saying they did not report it. XXXX confirmed that they did. No help at all with customer service and rude on top of that. Fortunately, the refi went through but the rest of my credit is locked down due to this entry which every banker, loan officer and XXXX rep has said they have never seen done before. Account showed to be current with XXXX but still posted the {$83000.00} balance as a payment due. The refi closed on XXXX XXXX, 2016. The funds were distributed XXXX XXXX. The company, Specialized Loan Services, apparently does n't have the capabilities to have the funds wired so their check had to be overnighted. I called them on XXXX XXXX to confirm receipt. Their automated system advised me that they received my payment on XXXX XXXX in the amount of {$340.00} ( the usual monthly payment ). This indicates to me that someone decided to enter the {$83000.00} and not just a " system '' procedure as they tried to tell me. I confirmed with an account rep that the entire balance had been received and the loan paid in full. However, when I asked when I could expect the ridiculous credit report entry to be removed I was informed that they only file with the credit bureaus on the XXXX of every month and that they would not remove the {$83000.00} until XXXX XXXX. In other words, they have their money but the still believe they should be able to lock down my credit until XXXX XXXX. This company has been rude, impossible to deal with and judging by their google entries have been practicing this way for some time. Articles entitled " SLS scam '' and such are prevalent. All I want is for them to remove the ridiculous INTENTIONAL entry made on my credit report so that I may continue my financial activities. They are paid in full. I can not even obtain a gas credit card at the moment because of my XXXX % debt ratio due to their dirty entry despite my high credit score. This is unfair and should be able to be corrected with a phone call or simple report to XXXX. And they are rudely refusing to even entertain the thought. Please help me.

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 2020-01-10
Company: Experian Information Solutions Inc.
State: OH
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 name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The item is FMS ( Premiere Property ), it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers. There is no way the credit bureau nor collection agency validated this because if so it would of been removed due to the erroneous errors. How could it been validated as correct if the amount itself is wrong and every error that was pointed out with proof to substantiate my claim?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
First American Title in XXXX did the title work for our mortgage refinancing. We 've moved to Florida and planned to do closing here. We were looking at closing during XXXX week. After the bank issued our Closing Disclosure, I called the title company to ask about wiring the money we owed at closing a day early in order to avoid any problems with the holiday. She agreed that was probably a good idea to be safe. I went to the bank immediately, and wired the money. I emailed the closer at the title company when I returned to let her know the wire had been sent. Two hours later I got a call from the bank asking my permission to modify my CD. The title company did n't realize we needed a remote closing and now wanted to charge an additional {$160.00}. I know the CD has to be accurate and that it was too late to ask for that money ( besides, I did n't have any more to pay! ). The bank escalated with the title company, but they refused to waive the fee. I was told that either we paid the fee or they would n't do the closing. Had I not already wired the money, I would have gone to a different company. The bank tried everything to work with the title company, but they would not budge. At one point, a member of the bank staff told me, " They know this is against the law, but they do n't care. '' I 'm filing a complaint because they broke the law by demanding an additional fee after the CD was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 
1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 
2 ) Can I get the Informal Payment Plan in writing 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 2016-05-03
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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 belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Revolution Financial Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XXXXXXXX XXXX  mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX  XXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello. I am in the process of purchasing my first house and I am a victim of Identity theft. I have fraudulent accounts on my credit report that I request be removed. I have filed a complaint with the FTC and have the identity theft report which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thes are links to the emails that I am receiving. I already alerted my credit union of these and they told me to treat these as scam. Each one of these are giving information for a deposit, amounts, reference numbers, and other data. You may need to look into this. Also, I am receiving text messages. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Trojan Professional Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thus debt collection agency has reported a debt as having been incurred in 2014 causing it to show in my credit report again after the 7 year limit as the original date of such debt is over 7 years ago causing a serious downgrade to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 : 1. ) Went into my local Chase Bank Branch to verify my identity as I was asked to do after opening my new personal checking account online.

2. ) Was told by the banker at the local Chase Bank Branch that my account was CLOSED due to fraud ( suspicious activity ) and that the amount in the account ( that I had transfer from my other personal checking account ) would be sent to my home address on file by Saturday XX/XX/2021 the latest. 

XX/XX/2021 : 1. ) Called for a status update because the check still was not here after the Saturday mail delivery.

2. ) Called ( on the same day XX/XX/2021 ) the Chase Customer Service number and was on hold for 10 mins before talking to the 1st representative. They proceeded to tell me that I needed to talk to a Supervisor and put me on hold again and transferred me to ( what was suppose to be ) the Supervisor. 
3. ) After on hold for about 30 minutes " the Supervisor '' asked to verify my identity then put me on a brief 3-5 minute then proceeded to put me back in queue.

4. ) The 3rd representative ( Shenic (? ) from Chase 's Fraud Department Customer Service Line ) said that the final review of my account indicated that Chase terminated our relationship and will no longer bank with me know or in the future. I will not even get a chance to receive my funds until I go back to the Chase Bank Branch with 2 forms of ID and " Show cause of the external transfer of my funds from my old personal checking account to my new account with Chase ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with USAA SVG BK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, USAA SVG BK with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2015-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I do not owe XXXX XXXX XXXX or XXXX Apartments. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I left the complex and paid my rent in full. There were XXXX instances which the complex was unsafe as direct result of management neglience which caused me to suffer theft of property and put my life in danger due to possible fire. That was the reason I left the complex. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently attempted to open up a Wells Fargo Bank Checking Account online and my request was denied by Wells Fargo Bank, even after recently closing a fraudulent checking account that was opened in my name fraudulently and was the result of identity theft. Review Consumer Financial Protection Bureau Case # : XXXX. SSN : XXXX, DOB : XX/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 2020-08-14
Company: Home Credit Corp. Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXl XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2020-04-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Best Buy and a Home  Depot Card through Citi Bank. Unfortunately on XX/XX/XXXX I was XXXX  with the XXXX. Since then I have struggled with my health and been XXXX  XXXX. I am also a XXXX XXXX XXXX who had to shut down and has been out of work since XXXX as well. I received tons of calls within 2 days after my first EVER missed payment and I told them I had XXXX and to please stop calling 5-10 times a day about the payment because I was deathly ill and couldn't make it right then but will once all this is over and I am able as I have NEVER missed a payment. They offered no assistance and were very rude and shut my card use off completely. IN A TIME OF CRISIS THEY SHUT MY CARDS OFF BECAUSE I WAS LATE ON MY PAYMENT FOR THE FIRST TIME IN ALL THE YEARS IVE HAD THESE CARDS WITH THEM. Since then they have reported to my credit bureaus that I am past due badly damaging my credit rating and also added late fees for XXXX and XXXX now and interest charges as well. I applied on their website for assistance and they denied me. I am appaled this is how they treat their consumers during a global pandemic. Especially one with accounts in good standing until this happened. This is absolutely unacceptable and they need to make this right.

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