BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Grandparents XXXX and XXXX XXXX died in XXXX and XXXX respectively. Select Portfolio Servicing Inc was the servicer and failed to file a claim in probate for XXXX XXXX. SPS Inc hired XXXX XXXX to collect the Note as it had fallen into default due to XXXX XXXX death. SPS Inc initiated a lawsuit against the heirs of the XXXX in XX/XX/XXXX. 

The lawsuit is currently before the New Mexico Appeals Court # XXXX. 

During the lawsuit it was found that SPS Inc was using manufactured document in order to foreclose of properties. The Case in New Mexico is Carmen Pennington v. OneMain Financial Group. 

The case file has documentation, depositions an evidence which shows SPS Inc committed fraud against the XXXX. 

The XXXX 's filed a racketeering count against sps XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who are all debt collectors for thier actions. This is all pending before the New Mexico Court of Appeals. 

This week, XXXX XXXX XXXX XXXX sent a letter to my deceased Grandfather XXXX XXXX telling him his house was going to be in Auction on XX/XX/XXXX. Select Portfolio Service Inc has continued to charge XXXX XXXX over {$20000.00} in interest after his death. 

XXXX XXXX the daughter of XXXX and XXXX XXXX and heir to the XXXX XXXX XXXX XXXX, died in XXXX XXXX. Select Portfolio Service, XXXX XXXX and XXXX XXXX XXXX XXXX. Filed a summary judgment against a dead person and the court awarded it. You cannt obtain a summary Judgment against a dead person The XXXX loan file number is XXXX Select Portfolio also sends letters to the deceased XXXX telling them they qualify for re finance and or forbearance. The the New Mexico Court wanted a stay due to corona vires XXXX XXXX XXXX XXXX through SPS Inc and XXXX XXXX objected. 

a complaint for Fair Debt Collection Practice act is also before the court of appeals.

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 2017-06-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked  Ditech  several times this week  XXXX  more recently on Friday,  XXXX   XXXX ,   XXXX   ), to e-mail me the statements from  XXXX ,  XXXX ,   XXXX  , along with a recent escrow analysis that was completed in  XXXX ,   XXXX  . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with  XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the  U.S.  mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I spoke with Navy Federal Credit Union on several occasions and desperately tried to show proof of fraud and dispute transactions done fraudulently, it all started, when I purchased a new XXXX XXXX XX/XX/XXXX from XXXX in the XXXX. I filed a police report the same day at the XXXX precinct because of high call volumes on my account and my XXXX had been previously compromised. I deposited XXXX dollars into my account in XX/XX/XXXX and with the new XXXX I thought I was safe and it would not be compromised. I started using XXXX XXXX because XXXX XXXX and its easier for me to send money. I did not know about the XXXX data breach until later in the year and that's when I noticed something was wrong with so many transfers from my Navy federal Credit Union account . I called them them in XXXX to dispute charges and when it came to the transfers to XXXX XXXX I know that someone was stealing my money. ( MY XXXX WAS COMPROMISED AND CLONED I HAVE PROOF NOW THAT SOMEONE USING MY IMEI AND PHONE NUMBER MADE TRANSFERS WITHOUT MY PERMISSION. I AM FILING ANOTHER POLICE REPORT. NAVY FEDERAL CREDIT UNION RESPONSED IF I MADE ONE MISTAKE REGARDING WHICH TRANSACTIONS WAS FRAUD THEY WOULD DENY MY ENTIRE FRAUD CLAIM WHICH THEY HAVE ON MORE THAN TWO TIMES. MY SECURE CREDIT CARD ALSO HAD A FRAUD AMOUNT ON XX/XX/XXXX FOR XXXX XXXX FOR XXXX WHICH SOMEONE CREATED A XXXX XXXX AND USED MY NAME AND A DIFFRENT TELEPHONE NUMBER. THAT MONEY WAS REFUNDED AND THAT IS THE ONLY AMOUNT THAT NFCU HAS RETURNED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive submitted documentation to XXXX XXXX, XXXX, XXXX and Transunion indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and lexis nexis. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.

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 2017-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A company, named  XXXX   XXXX   XXXX   XXXX , opened a business bank account with  Fifth Third  Bank at a location in  XXXX , North Carolina in  XXXX  and operated the account for over  one  year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in  XXXX  or  XXXX  of  XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I asked to have the car returned because it could not be registered in California. And Credit Acceptance Corporation agreed to have the car returned. However when I called them to find out why they hadn't picked up the car as promised I was told that it wasn't worth picking up and to pay for the loan. Second the statue of limitations has long since passed and on yesterday I received a demand letter with threats to put once again report me to the credit company. Several years ago filed a grievance with the FCC and they were contacted but still hasn't responded and it was surrendered and I don't own the car. It was left at XXXX XXXX XXXX and never did pick up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2021 I attempted to cash a check from my own business account at a local BBVA bank in XXXX, Texas. The bank branch manager refused to cash the check and the reason was that the check was dated a few days after 6 months from the present date and that they were not allowed to cash it. Considering that this is my own business account and there are more than enough funds available to cash the check there is no reason for the bank not to honor the check for cash. Further, this account has been in existence with this bank for over 35 years and never has there been a notice of such an expiration date. I request your office 's assistance in getting this trivial matter resolved. Any assistance you can provide on this complaint will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am a customer of TransferWise ( now XXXX ) ( Membership XXXX ). I submitted two transfers that have the same recipient : # XXXX on XX/XX/XXXX, XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX  All funds in XXXX are supposed to arrive in one working day. But there are significant delays. I have contacted TransferWise every morning and every evening in the last two weeks. But no progress was made. On XX/XX/XXXX, TransferWise received the requests from their banking partner XXXX.XXXX, then they replied and sent the information to XXXX.XXXX  on the same day. Till now XX/XX/XXXX, I still did not receive any updates on the two transactions. It's easy for TransferWise to contact XXXX.XXXX directly to follow up on the progress, to see the current status of the two transfers and whether there are other issues that cause the delays. But they don't do anything and just wait. Even if I told them the funds from these transfers are in urgent need, they kept telling me that they have already sent the requested information to the bank and asked me to wait. They did not provide me any updates and are not willing to contact XXXX.XXXX  again to see what happened. 

My family moved from U.S. to XXXX this XXXX. All the funds are from our own savings and are used for our house downpayment in XXXX. Because of the delays, we can't provide the down payment on time, and we will lose XXXX security check as well as our first dream house in XXXX. We feel frustrated every moment in these two weeks. 

Please ask TransferWise to address the issues with their banking partner XXXX.XXXX  directly, and have the recipient receive all the funds as soon as possible. We don't want any delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CMRE Financial Services, Inc.
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
First l disputed XXXX XXXX acct # XXXX with CFBP report # XXXX and Equifax responded l already disputed the account. I disputed this acct with Equifax XXXX, sent in dismissal letter from court and again XXXX confirmation # XXXX to check status for representative XXXX id # XXXX to say it was accurate and l need to send in more documents. Equifax has violated my right of submitting inaccurate information on report 15 USC 1681i ( A ) and l need for this account to be removed immediately or compensated for FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: NCC Business Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
contacted on XXXX XXXX by phone as to a debt owed, So I asked them for written notification now XXXX XXXX2017 nver received what I asked for original signed aggreement and the balance from XXXX to present. So they are in violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: CA
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:
a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX XXXX  indicating my personal info was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: U.S. BANCORP
State: IL
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:
We have on several attempts with XXXX to resolve an inaccurate late payments caused by XXXX of XXXX XXXX to submit a pay-off check to US Bank, after the XXXX XXXX XXXX was traded on XX/XX/XXXX. 

XXXX of XXXX XXXX failed to remit their check # XXXX in a timely manner due to personnel changes, as indicated by Mr. XXXX XXXX, Subject : Delayed Payoff Check # XXXX XXXX XXXX to US Bank, dated XX/XX/XXXX. 

The dealer was eventually closed by the authorities due to several illegal activities that indicated Mr. XXXX. 

The payment trend was excellent until the trade-in, which should indicate the true payment pattern we had established with US Bank. This is the latest late payment in XXXX / XX/XX/XXXX had has caused harm to my credit report.

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 2021-04-09
Company: EQUIFAX, INC.
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:
ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Acct # 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-04
Company: International Computer Systems, Inc.
State: AR
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:
First Collection Services located at XXXX XXXX XXXX XXXX in XXXX, AR. XXXX is refusing to remove collection activity that was placed on my credit report. Payments was made directly to and accepted by the XXXX  XXXX XXXX XXXX XXXX. First Collection Services did not accept any form of payment for either of the two accounts. 

These two collection activities reported by First XXXX Collection Services should be removed from my XXXX, XXXX, XXXX and any other credit reports, as they did not accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I have 3 debt from XXXX, tatshow on my report. This debt has been paid. The 3 Collection accounts from XXXX, still show on my report I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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