BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have new and updated information. This is not credit repair .. this is me, XXXX XXXX XXXX XXXX With great difficult and still being unable to obtain my consumer file from Transunion to date, i unwillingly and unintentionally through no fault of my own was signed up for credit monitoring services that I did not want. That Ive yet to be able to cancel with ease due to Transunions false and misleading representations.

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 2022-09-10
Company: ProCollect, Inc.
State: MS
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:
XXXX case XXXX. I was notified by XXXX Identity Theft protection that a claim was filed by Pro-collect collection agency, representing XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX which was opened XX/XX/2021 and for {$11000.00}. Someone using my social security number was involved in an apartment rental at this location. I do not know this person and have never rented an apartment there. Police report also filed with XXXX Police Department, XXXX, MS

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 2017-03-23
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Unlike in the US, about 90 % of the customers that have mortgages do not bring a hazard insurance policy to the closing, thus the bank affiliate place the hazard insurance. Last XXXX an insurance company started offering a policy directly to the client offering a 20 % cash back if there were no claims on the hazard policy. A lot of clients have decided to purchase this policy. However since the hazard policy is paid from the escrow account, altough the client has chosen the new policy, Banco Santander Puerto Rico has declined to follow the clients order. And instead of paying the policy chosen by the client, they pay the policy that they had on file, which most of the time is to their insurance affiliate. The order of the client is signed electronically with the e-sign program. The bank excuse for not paying the policy is that they are waiting from their legal derpartment to see if they can accept the electronic signature. Since XXXX Banco Santander has said theat they are waiting from the legal department. We are now in XXXX and they are still providing the same excuse. Meanwhile Banco Santander is using the money in the escrow to pay their subsidiary and not paying the policy chosen be the client, thus depriving the customer of getting the 20 % cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Social Finance, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX on XX/XX/2022 was charged {$86.00} for an item that was {$45.00} on shelf tag I told her never mind and she was supposed to void the item. I never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been in contact with TransUnion by phone between the dates of XX/XX/XXXX to XX/XX/XXXX about this matter. I have filed a ftc report and submitted it as well via mail and fax XX/XX/XXXX. I called to confirm it was received and no one seems to have gotten it. I verified the address before I sent it out. I have not gotten any help in regards to this matter of unauthorized inquiries on my credit report. I know my rights under Frca and have stressed this to Transunion representatives, but they refuse to help me. I placed a freeze on my credit reports on XX/XX/XXXX once I learned I could use this feature. I will attach the FTC report and list the XXXX inquiries that I didnt authorize below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX These should be deleted immediately and investigated further because I believe Im a victim of identity theft..

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with out reason and my funds are being withheld without reason from Bank of America

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 2020-03-01
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCB, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor XXXX nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. NCB continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor XXXX. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. XXXX and NCB continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I noticed two fraudulent XXXX withdrawals on my Bank of America account for {$3500.00} and {$1000.00} on XX/XX/2022. I called BOFA XXXX fraud department and reported the crime. 

I told them I have no idea how the criminals accessed my account. Perhaps, phone or fishing attacks. BOFA never provided me with any claim number or any way to provide further info. After 10 days they closed the claim and denied fraud by saying I have authorized the transactions through text. I did not. I have no " proof '' as I was the victim of a crime. 

They have provided me no help. Under Regulation E BOFA is required to protect me from crime and fraud. 

Please help me get BOFA to do their job.

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 2019-11-06
Company: FORD MOTOR CREDIT CO.
State: NC
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 FILED A DISPUTED WITH XXXX BACK IN XXXX OF 2019 WITH SEVERAL AUTO LOANS THAT WERE TAKEN OUT IN MY NAME WITH FORD CREDIT, THE FRAUD REP WITH XXXX SAID HE'LL REMOVE AND BACK THE ACCOUNTS AND IF THE BANK THINKS THE INFORMATION IS CORRECT THEY ONKY HAVE 30 DAYS FROM WHEN THE ACCOUNT IS BLOCKED. NOW 5 MO LATER XXXX  REMOVES THE BLOCK AND PLACES THE ACCOUNTS BACK ON MY CREDIT FILE AND HAS POLICE REPORTS ON FILE VERIFIED AND FTC REPORT VERIFIED AND COURT DOCUMENTS VERIFIED AND NOW THEY SAY THERE NOT VERIFIED AND THERE FAKE, WELL IF THATS THE CASE LOCK ME UP! NOT ONE DOCUMENT IS FAKE AND XXXX  CLEARLY TOOK FORD MOTOR CREDITS SIDE, THE FRAUD REP I TALK TO ON XX/XX/2019 WITH XXXX   FRAUD DEPARTMENT STATED, FORD IS A BIG DATA ACCOUNT FOR US AND WE DON'T WANT TO DO ANYTHING TO MAKE THEM MAD. SO THEY RATHER MAKE ME LOSS EVERYTHING I OWN AND WORKED HARD FOR JUST TO MAKE FORD CREDIT HAPPY. THE XXXX  FRAUD DEPARTMENT ALSO SAID CLEARLY THIS ACCOUNT IS FRAUD AND YOU HAVE ALL YOUR DOCUMENTS IN ORDER BUT WE JUST CANT HELP YOU ANY MORE. I HAVE A XXXX XXXX IN XXXX  XXXX  AND WORKED FOR XXXX CONSUMER AFFAIRS  AND XXXX   CONSUMER AFFAIRS AND KNOW WHAT THE FAIR REPORTING ACT IS AND XXXX  DOES'NT. I'VE ALREADY CONTACTED MY LEGAL TEAM TO FILE SUIT AGAINST THEM FOR DISCRIMIATON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.

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 2016-11-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My problem started when my loan was sold to sls from residential credit solution. I applied. Modification loan and they denied it in XX/XX/XXXX. Which reasons are not cleared to me why my application was denied. Then a week later I received a Deafault letter with so many extra charges. When I called somebody said the extra charges are for escrow and To me an escrow charge is only when buying a new house. I paid the amount though it left my family in debt. But in XX/XX/XXXX i received again a default letter stating my account is in default again for not payment even i sent money in XX/XX/XXXX, I called 3 days ago, some name XXXX told my wife that our monthly payment is already been increase to {$3400.00} instrad of {$1500.00}, which was sign by me from our previous mortgage. Apparently because they took over paying my property tax they charge extra {$15000.00} in advance every year. I told them that I could pay my own taxes and I theres a way that I will pay it myself, instead of them paying it without any sign aggrement between us. She Said no, they will keep paying it and willl charge my account XXXX every year. & will be collecting them in advance by adding {$1100.00} every month on my monthly payment .and I was advise to apply a new modification loan again to which I am not sure they willl approved me. I am afraid that this company is ripping us off and eventually will foreclose our home because of all the additional charges on my account which is not affordable .We can not afford to make a payment of {$3400.00} every month when our contractual amount is only {$1500.00} I hope you can help Us. Thank you very much

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 2016-12-15
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.

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 2016-09-17
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 our home loan was sold to Specialized Loan Services, and in the 8 months they 've owned the loan SLS has twice claimed not to receive our monthly payment. They 've been difficult to work with when we attempt to resolve the matter. In our nearly 20 years of making monthly mortgage payments, by paper check and electronically, we 've never had one lost. Our credit rating is excellent. 

When SLS claimed our XX/XX/XXXX check had n't arrived in their XXXX processing center two weeks after we mailed it, we stopped payment on the check and paid to wire the funds. After several phone calls, they agreed to waive the late fee. Now the same thing has happened again. We mailed the XX/XX/XXXX check XX/XX/2016. This time, SLS acknowledged the barcode on their payment envelope was processed by the post office on XX/XX/2016, but insisted it had n't arrived at their processing center by XXXX. We wired the XX/XX/XXXX payment yesterday ; our credit union shows the funds have been delivered, but our account on the SLS site still shows the XX/XX/XXXX payment as unpaid. 

SLS admits pay envelopes are n't scanned into their processing center, so that there is no way for them to know whether a check that arrived in their mail room was lost on the way to Accounts Payable. Reaching a supervisor is made intentionally difficult, as they are generally not available in real time when the CSR ca n't solve a problem, and the supervisor call-back delay is claimed as 24 hours, but has been longer for us. Even when promise of a late-fee waiver is made by a supervisor, the company forbids confirming that promise by email or any other trackable means, and you have to follow up with them by phone repeatedly. In addition, the SLS website has very long load times, which may be intended to discourage customers from pursuing complaints. 

Given the poor service and lost checks, we now do n't know whether to trust SLS 's claim that increased escrow requirements are the actual reason for the increase to our monthly payment. As soon as our loan was sold to SLS, the monthly payment increased XXXX %, with " escrow deficit '' given as the reason. 

Our excellent credit ratings stem from years of paying bills on time. We have paid several different mortgage lenders by mail and electronically over the past 18 years, and have never had a problem with payments being received and acknowledged until SLS purchased our loan. 

SLS shows no accountability. We do not trust SLS with access to our bank account through Bill Pay. We therefore feel stuck waiting for SLS to receive every month, forcing us to wire the funds every couple of months and check the account online daily to ensure funds are received and recorded.

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 2016-05-02
Company: CONRAD CREDIT CORPORATION
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I spoke already with the storage company and we had come to a negotiation for balance payment. Went to location several times to pay the debt of {$100.00} but location manager was out for vacation so could not make payment. Collection agency went ahead and apply charges of {$400.00} which affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX MXXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : XXXX 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 instructions.

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 2022-04-14
Company: EQUIFAX, INC.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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 instructions.

Company response to consumer: Closed with explanation