BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: Northstar Location Services, LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I spoke with XXXX at NorthStar Location Services. I requested on XXXX XXXX via recorded phone call that all debt file documentation be sent to me for verification. he confirmed it would take one week. 

Two weeks had passed. I then sent a follow up email to the email listed below and received no response. I sent another today and still have received no response. 

I feel as if they are misleading me and possibly trying to avoid me by violating my consumer rights. Please advise as to how I can resolve this. Thank you kindly. 


NORTHSTAR LOCATION SERVICES , LLC XXXX XXXX XXXX, XXXX, NY XXXX XXXX - facsimile XXXXXXXXXXXX Check Us Out! XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2021-10-02
Company: Exeter Finance Corp.
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:
My husband went to XXXX  XXXX to view a car. I was not present. 
XXXX XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Around about XX/XX/XXXXXXXX XXXX XXXX I went into the bank for two purpose. 1th cash a check, a check I thought was from an employer, for XXXX 2nd to open a separate account so my funds and the business funds would not be in the same account. Upon arrive the bank manager was training an new employee, so she assisted in opening this account for me. On about the XXXX of XXXX said employer requested I send XXXX via XXXX XXXX for said alleged equipment for work. I sent out XXXX, I was busy so I couldn't send out anymore on that day. On the following day which is Sunday, XXXX employer XXXX wanted me to send out another XXXX to an supplier via XXXX XXXX. On that same day said employer requested another XXXX via XXXX XXXX my bank rejected the request so the said employer requested XXXX via XXXX XXXX. I deposit a check for XXXX thinking it was from an employer. ( scammed ). I sent out XXXX dollars and requested a cashier check for XXXX. After finding out from my bank that the check had bounced that is when I found out I was scammed. I was able to stop a XXXX payment. I went in person to put a stop payment on the cashiers check because I didn't want the scammers to get the check for XXXX. The bank stated that they could not put a stop payment on the check for 90 days. I was angry. I stated why not? the stated that was their policy, I asked can I see that policy. The stated that they couldn't show me that policy. I asked for a regulation or policy stating that I couldn't cancel that cashiers check. No avail. After the officer took my report. I waited a couple of weeks and went to the to take the cashiers check and receipt to have the bank take that off of the balance. Although the bank states the the cashier 's check is part of the funds owed to the bank they refused to take the funds off the account or cash the check. I have a cashiers check for XXXX that was brought with XXXX check and the bank claims that they can't reduce my bill. The bank already took the money I have in two separate accounts to pay on this bill closing out both and took additional money coming into my account. Now I have no job I can't pay my bills such as stand by cash which is a loan with the bank. I had to find another way to get my SSDI so I could pay my basic bills. I had just cleared up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I wish to file a complaint against Specialized Loan Servicing ( SLS ) regarding a loan modification. I had a foreclosure sale date of my home on XX/XX/2016. I contacted a HUD representative and they stated to file for Keep Your Home California ( KYHC ) Mortgage Reinstatement Program ( MRAP ) to bring my mortgage current and file for a HAMP. I worked with one point of contact and she knew I had applied for MRAP and HAMP. SLS approved the trial payments for the HAMP and KYHC approved MRAP and funded {$50000.00} to SLS on XXXX/XXXX/16. I had made XXXX trial for XX/XX/XXXX and XX/XX/XXXX and when I was funded, my KYHC MRAP, the XXXX trial payment for XX/XX/XXXX was paid off with the MRAP. On XXXX/XXXX/16, received my Hamp modification documents ; these were the official mortgage modification with my new mortgage payment and the HAMP loan terms were based on the MRAP applied to my account bringing it to current. I signed the HAMP Loan Modification documents, had them notarized and sent them back vis XXXX and received on XXXX/XXXX/16. 
My XXXX payment of my new HAMP mortgage was due XXXX/XXXX/16. When I went to pay online, my loan was different than what I had signed and agreed to. When I contacted SLS they informed me that on XXXX/XXXX/16 I contacted them and requested for my HAMP to be canceled ; the MRAP was still in place. SLS also stated that they had sent a letter to my home. I informed SLS that I did not contact them and request for my HAMP to be canceled. I asked time did I contact and with whom did I speak to ; every contacted is logged in their system. SLS stated that there was no representative I spoke to on XXXX/XXXX/16 and the notation that I contacted SLS to cancel my HAMP was computer generated. When I asked why this had occurred the represented could not give me an answer. Also, online there is a link to correspondence from SLS to me and there was no letter from SLS about this situation as the representative had stated. Because I missed the XXXX/XXXX/16 payment, that I was unaware I was to make, I received a default notice on XXXX/XXXX/16. It takes 3 late payments for default filing. Every conversation I have with a representative, I receive completely different solutions and responses. 
I requested what I could do to remedy this situation, it was suggested that I reapply for the HAMP. I 'm not guaranteed that I will receive another HAMP. 
The resolution is that I would like to review of this situation as to why my HAMP was canceled. I would like documentation of any policy that SLS has regarding having my HAM, documentation that I indeed contacted them and have my HAMP reinstated.

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 2022-10-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Synovus Bank
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been dealing with Chrysler Capital For months trying to get this taken care of. I 've spoken to many supervisors one was named XXXX. One was named XXXX. They never would call me back then I got transferred to the office of the president again, we will call you back nobody calls me back. I 'm having so many issues and they have tons of notes in the system on me but yet today I get a pay or were going to repossess your vehicle letter but yet they have not answered me on my issue and I do n't know what to do because I asked him to change my payment plan. So, I 'm waiting for them to answer me and get back to me and then I get this nasty letter. It has been months and I am so fed up. They have all the notes in their system and they even pulled some of the calls were I told him what I was told and they agree I was told that they could change my payments and yet here I am still waiting months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Northstar Location Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call on my cell phone, asking to speak with my sister-in-law and her husband. I have no outstanding debts. The credit collection agency is attempting to contact the alleged debtors by calling my cell. 

The message I received said, " For ( insert name of my inlaws ). This is XXXX XXXX ( sp? ) calling from Northstar Location Services. I need a return phone right away. Call ( XXXX ) XXXX - XXXX. This message is from a debt collector, attempting to collect a debt. " I have no idea whether my in-laws owe any money ; however, it seems unethical for North Star Location Services to be calling their relatives and telling us that they are in debt. 

My husband received an identical phone call on his cell phone, at the same time. I called my sister-in-law and she informed me that all of her friends and relatives have been calling her, saying they received a similar call today. When she called " XXXX '' at North Star Location Services to figure out what was going on, XXXX screamed at her and called her a " liar. ''

Company response to consumer: Closed
Consumer complaint received 2022-10-21
Company: Account Resolution Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Resolution Corporation, a thrid party debt collector is attempting to collect a debt consistently violating my consumer rights per the FDCPA. On or about XX/XX/2022 a debt validation request and notice of dispute was sent to ARC certified return receipt # XXXX XXXX XXXX XXXX XXXX. To this date no response has been received. Which in and of itself is a violation. On or about XX/XX/2022 an Affidavait of Truth, eveidence of their violations, and Notice To Cease and Desist, was sent certified registered mail return receipt # XXXX XXXX XXXX XXXX XXXX. My complaint today is a documentation of the written documents sent to them. All mailed documents were notarized appropriately. I have excluded evidence from this complaint that is in the mailed packages, but have included the invoice because I believe it was left out of the mailed package and I may not have sent a complete package with all eveidence. I will mail the the complete package tomorrow ensuring the invoice is included again. I WAS CLEAR IN THE CEASE AND DESIST ARC SHOULD COMMUNICATE ALL THINGS TO ME IN WRITING AT MY HOME ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: World Acceptance Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Stanislaus Credit Control Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( stanislaus credit control and XXXX had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.

Company response to consumer: Closed
Consumer complaint received 2022-10-21
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi paypal, my name is XXXX and hope to get help with my request. 


on XX/XX/XXXX my account was accessed in an unauthorized way from a XXXX XXXX device from which my account was stolen using XXXX. 
Then a debit card ending in XXXX was used to be added to the account and withdraw my savings. 

Other changes to my account such as the addition of a mailing address and phone number that are not part of my personal information. 

All these changes in the account were made using a device ( XXXX XXXX ) that does not belong to me and that I have never had. 

Also paypal can verify in my usage history that I have always used iphone to use my paypal account. 

I made the claim to paypal with case XXXX and XXXX has been closed not in my favor. 
The agent who assisted me explained all these details that I am exposing in this claim. 

my email is XXXX case XXXX denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in Experian and XXXX. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.

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 2019-02-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My SSN on this profile remains incorrect despite me having mailed Experian copies of foreign passport, ITIN letter by the IRS and bank/credit card statement. 

Experian kept using my XXXX SIN instead of my US TIN despite me having advised them multiple times to fix this ( and they refused listening, refused correcting from any means!!!! )

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 2022-10-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX # 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 I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Regions Bank, I am submitting a claim on my credit card because I have been scammed. 
I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022

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 2022-10-21
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB has purchased a debt from XXXX XXXX that has reached the statute of limitations. The balance of this debt is incorrect. Last payment day is incorrect and this debt is also owned by another company. Ive contacted and attorney to start a legal process against NCB and the other company. This inaccurate debt needs to be removed from my credit report. Debt needs to be verified for accuracy and proven. Nobody has done that due to the inaccurate information. Its against the law to reage this debt and attempt to collect it with XXXX debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.

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