BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the 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 2017-03-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX is the creator of my current mortgage problem by giving my loan to SLS. 
The closing of my employer is also they cause of my financial problem right now. 
XX/XX/2008 I had a chapter XXXX bankruptcy but my house and my cars was not part of the bankruptcy I also informed SLS about my situation and request assistance they do n't respond attempt to assist me refuse to send me its impossible to get a hold of them when I call the customer service I get transferred to the tird party bankruptcy department and now without working out with me they want to take my home do to the all the XXXX was caused me it had a big tole on my health and I have XXXX and worring about my home is a big contribution to my XXXX I do n't want me and my family become home less but SLS is preparing that for us. 
SLS have such terrible rating that this is how they take peoples home refuse to help I am not allowing them to take my home period I need help now SLS is out of line

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 2020-05-20
Company: Convergent Resources, 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: Account information incorrect

Complaint:
The account with XXXX was default in XXXX. Convergent continues to report the account as being delinquent as late as XX/XX/XXXX as if that is the Date of First Delinquency but it is NOT and it should not be reporting with that origination date

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 2020-07-06
Company: Telsa Motors Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
5yrs ago I got Solar Panels and the sales person completely misrepresented herself-that has been dealt with HOWEVER, I have been sending in monthly payment on both of my systems ever since and NOTHING is being applied toward the principle and they apply everything to the interest. How can the get away with not applying anything toward to principle and everything to interest. AND I was suppose to have a sent payment to pay monthly to pay this off, and I don't have that either. My monthly payments bounce all over the place. How can Tesla just put a different payment every month with NOTHING going toward the principle. They are worse than a loan shark. Please investigate their lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.

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 2016-01-27
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Name is XXXX XXXX with XXXX my main number is XXXX or email XXXXXXXXXXXX. I am a XXXX XXXX XXXX and I am working with XXXX representing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Loan Number # XXXX Last four of my SS # XXXX. 
Phone number XXXX Lender name Specialized Loan Servicing , LLC In order to finalized his file I need a Mortgage statement and the lender Specialized Loan Servicing , LLC is refusing to provide a statement because he filed Bankruptcy in XXXX even though it was discharged in XXXX they are refusing to gives us anything. 
The lender gave me a number for a XXXX XXXX that never answers and we have left several messages. 
Specialized Loan Servicing , LLC number is XXXX. 
All we need is a mortgage statement. 
He does have a sales date for XXXX XXXX, XXXX and we need to submit everything before 35 days from the sales date in order for Arizona Department to review the file. 
Thank you for your courteous and prompt attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX, XXXX, and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2022-01-26
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I've sent several letters since XX/XX/2019 to Firstmark Services/XXXX  disputing to have a late payment marked on XX/XX/2019 deleted. During that time, I called them to have the XX/XX/2019 payment delayed due to unexpected circumstances but they failed to provide me any assistance with forbearance/deferment for that month. As a result, they reported a late payment for XX/XX/2019 to all credit bureaus. During this pandemic, this negative remark has caused a loss and impossible to get approved for residency and other living necessities. 

I have been an exceptional customer paying every month on time. This late payment does not reflect my actual credit worthiness. Therefore, I am requested this late payment be deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Security credit services took debt from XXXX XXXX, an insitute I was making regular payments to. They never reported my payments and never notified me of a transfer of debt collector. Nothing was ever sent written in mail just showed up on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my XXXX XXXX. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

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 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax mishandles my information and put my identity at risk due to a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a both business and personal accounts with PNC. My XXXX   needs to connect to another bank in order to receive ACH payments from a customer, but PNC has made a change that prevents me from linking my account making electronic transfer of payments impossible. This is a very important customer to my XXXX XXXX, and this action will prevent me from doing business with them in an efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus has been dragging out our 'deed in lieu ' proceedings for over a year, now ( XX/XX/XXXX-XX/XX/XXXX ). it is now XX/XX/XXXX. We were unable to keep up with our mortgage due to unscrupulous renters and our overwhelming medical bills. Seterus advised us that 'deed in lieu ' was the best option for us. But since then, they have repeatedly 'lost ' papers/docs and ask us to resubmit. Then, because of these suspicious or even manufactured delays, other docs expired and those had to be resubmitted. This, as far as I can remember, was all done by phone. I 'm not sure about there being a paper trail of this game. Now, Seterus has called and said they have lost the entire file and we must resubmit everything for them to be able to proceed. Please help us and stop Seterus from any more games or unscrupulous banking practices. I 'm sure they are violating some Federal guidelines or banking ethics or protocols. Please help. They have now bought an insurance policy on the rental and are billing us for it. This expiration of the policy we had on it was also due to their delays. 

XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Calif., XXXXe-mail : XXXXXXXXXXXX phone : XXXX : " Home '' below means the rental prop'ty not the home we live in. 
" Concerns '' over losing it means the manner in which we are losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is reporting that they are servicing a loan that is not serviced by them. This loan is was originally a loan with a lender that went bankrupt. It was claimed to have been transferred to Bank XXXX XXXX. However, the transfer document was fraudently signed by a robo signer and also fraudently signed and notarized by a robo signer. Eventually I filed a claim under the Federal Foreclosure fraud act and received compensation with follow on actions requiring correction of the actions and that the reporting and damage done to my credit be removed and corrected. Litigation efforts followed and the lender then attempted to avoid that situation by claiming to have transferred the loan to XXXX Bank and claiming they no longer serviced the loan. However, the XXXX System which records the servicer of loans showed Bank XXXX XXXX was the servicer and that XXXX Bank as the note holder serving as trustee. It also indicates that the XXXX is INACTIVE or discharged. Requests by Qualified Written Requests to XXXX and XXXX to provide the SERVICER transfer and agreement along with XXXX documentation reflecting the transfer of the loan to XXXX and to XXXX has been refused by XXXX servicers and not furnished. The request for the lenders to provide the XXXX audit trail of the transfer of the loan has been denied. In addition, the Qualified Written request sent to XXXX Bank resulted in a letter from them that states they are NOT the investor on the loan and have no interest in it and have referred me back to Bank XXXX XXXX. The loan is inactive. This item should be removed from my credit report immediately and I have requested it repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attempted through disputes, on several occasions to get Equifax to remove tax liens from my credit history. I have supplied them with actual notices and copies of recorded documents indicating lien withdrawal from the Federal IRS for the liens in question. The courthouses in question do not have a category for Tax Lien withdrawal, so they file them as " lien releases '' which is not an accurate categorization. Equifax has done only half of an investigation into this issue by looking only at the title of categorization listed online, rather than actually opening the documents and verifying them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a mortgage modification from Seterus. After the first payment they reported it to the credit bureaus as current. XXXX XX/XX/XXXX 's payment ) Since that time they have not reported anything in regard to my payments. They are also reporting an incorrect balance that was not nor has been the balance in years. They had no problem reporting when it was late and now that it is current they have not reported. When I called I was first told it was coded incorrectly. Now I am being told that their is an internal accounting error. Yet again, with Seterus no one seems to have the same answer or resolves the problem. I need them to report my mortgage payments that are and have been current so that my credit score recovers. If they are unable to do so in the 30 day time frame as requested two weeks ago, under law they should remove the negatives and the incorrect balance as they are hurting my credit now for several months. This has also been disputed with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting XXXX tax liens ( public records ) that should be removed from my credit report. I have sent Equifax IRS forms XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Both XXXX and XXXX have removed the tax liens, as legally they were supposed to. I have spent numerous hours on the phone with Equifax, including filing both an online dispute and regular mail dispute - all with the outcomes that the tax liens on my credit report are valid. This is illegal and they need to remove these tax liens from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this  alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation