BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 've been fighting foreclosure on my home for several years. The current mortgage servicer is Seterus. I retained  XXXX   XXXX   XXXX  to avoid foreclosure without bankruptcy. That 's another issue.      XXXX  was trying to get the sale dismissed while we were going for a modification. He informed me via email he 's just spoken with Seterus and their attorney and they said they 'd consider it if I made some changes to the  P & L in m y modification application. I had a month of losses. they requested that I   XXXX    out the loses and expenses.     It turns out submitting false information on a bank loan, which is what a modification is, is fraud. In PA this is soliciting fraud. Und er US la w this is bank fraud on the part of Seterus and their attorney. That my lawyer,  XXXX  went along with it makes him an accomplice. There 's a story behind that as well.     I had a sale date on my home coming up the following week. Seterus was obviously trying to run out the clock so I could n't do anything about the sale.  XXXX , again, there 's a long story behind this, was backstabbing me and wanted to charge me for a bankruptcy.      XXXX , if he 'd been acting in my interests, could have recorded the call confirming what Seterus wanted and used that as leverage against them to come to a settlement on my home. Instead, he chose to help them for his own gain. So there are problems with the servicer Seterus, their attorney 's  XXXX   XXXX  and my own attorney,  XXXX   XXXX   XXXX .     The email sent by   XXXX   representing the request of Seterus and their attorney was  X/X/14    at  XXXX   XXXX . He 'd claimed to had just gotten off the phone with them.     I have much more in the way of documentation how my own lawyer was backstabbing me but this is the biggest and most important. Representing me properly when they made this request could have completely resolve the issue of the foreclosure of my home just by it 's criminal nature and how serious a crime it was. it 's my understanding that bank fraud is a minimum o f 5 y rs in prison..     I 've attached the first email of  XXX  requesting on behalf of Seterus and their attorney to falsify the P & L in my modification application. I have more emails in support of this.     Before you contact Seterus, you should contact  XXXX   XXXX   XXXX . Seterus has a way of disappearing information. they later claimed they did n't have recordings of our conversations. Before that, and everyone I spoke to since has substantiated that Seterus records and saves every conversation.     By giving Seterus advance warning, they can make it impossible for you to gather proof that you 'll need as they move to conceal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have several loans with Navient that have completely tarnished my credit. I was making payments while I was out of school and because of my household size it was only {$5.00} a month. I asked that all my loans be put together and thought I was paying to have them consolidated so that I could be forgiven only to find out that my credit is completely ruined by XXXX worth of loans and I do n't even have a degree yet! I will be graduating in the XXXX with my XXXX. Navient falsified my loans and added several late payments inaccurately! I would like for all of my loans with Navient to be removed from all XXXX credit bureaus so that I can better provide for my XXXX children that are living at home and my oldest son that is a freshman in college. I attended XXXX University, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
I disputed an account with SYNCB/HH Gregg with the XXXX major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH XXXX both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

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 2022-04-08
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:
Transunion XXXX XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692

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 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.

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 2022-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is stating I owe a debt which I called the hospital and I do not owe anything. I have requested validation and nothing has ever been received.

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 2017-10-13
Company: EQUIFAX, INC.
State: MA
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 currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wish to make a complaint against Santander Bank. 
All the banks I do business with post the interest on the last day of the statement cycle. Then the cycle ends at XXXX and the statementis printed to be sent out or available online. XXXX posts theinterest on the XXXX day after the statement cycle ends. In that case Iloose XXXX day of interest compounding. So, then the effective rate thatis incorrect.

Company response to consumer: Closed
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage account was paid off, and I expected refund of the escrow balance + unused interest. The bank did not send the final statement and cut off my online access. Luckily, I kept the web records, and calculated that they quietly reduced the refund. When questioned on the phone, they reluctantly admitted that they charged different fees. No such fees were expected, disclosed or authorized by me. I specifically asked the new lender, who received the payoff requirement, and have the emails explaining that only the interest was the factor and would be prorated based on actual payoff date. The bank representatives were putting me on hold and could not come up with the straight story about the fees. On XXXX XXXX, however, with my persistence, they agreed that there was {$130.00} added and promised to send a check for {$60.00} stating that remaining {$75.00} they could not refund : Supposedly, it was a recording fee to my county. My new lender had all the settlement fees disclosed, and everything was covered by the new loan. I think that they are hoping that I give up. It is very difficult to reach someone using the customer service number they provide, they do not direct you to a helpful department without much pain, use long holds and make promises like sending a statement or making a case that would be acted upon that they never plan on executing - one manager even admitted that.

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 2017-05-25
Company: First National Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father and I have the same name. I am a "  XXXX  '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r (   XXXX   XXXX   ).  They called the situation " skip tracing ''. This was never my debt, but is effecting my  credit score. I just want it all to vanish to raise my score back up.      Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ftc violations XXXX  : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX  XXXX XXXX XXXX XXXX XXXX was sued by the XXXX  XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's 2017 data breach, ... 
XXXX XXXX XXXX XXXX XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.

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 2017-05-25
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: Public record information inaccurate

Complaint:
I have  XXXX  liens showing on my report. I contacted the city of  XXXX   XXXX  and they stated that it was not mine and that another person 's file was mixed up.  XXXX  other credit reporting agencies have already deleted these  XXXX  entries but Experian still shows then and addresses and names I have never gone by or lived at. I file disputes and nothing has changed. I logged in and went to the online dispute page and was able to begin but then was kicked out of the site for inactivity? I was actively filling out disputes. I tried to reenter and was denied access. This happens repeatedly making resolution of my issues impossible and doing me irreparable harm credit wise. These inaccuracies were the reasons for being denied credit.   I 'm tired of being the consumer denied access to my own 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 non-monetary relief
Consumer complaint received 2017-03-25
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted customer care at XXXX CMC Funding specialized loan servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of the Cononavirus I'm out of work and wanted to see what I could do payment wise with the company because its a international problem. 
Basically they said I could go in a three month forbearance. At the end of the three months I would have to come up with the three months of mortgage in full up front. This is basically impossible if I'm not working. 

I was to receive information through the mail the next day that I haven't received yet. 
contacted them The XXXX or XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXXXXXX XXXX  Balance : {$7900.00}

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 2019-11-28
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Bank Of America Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Bank of America was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Bank of America refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Bank of America feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Applied Data Finance, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I owed a company called Personify Financials. An amount of {$1300.00} went into delinquency in XXXX and was given over to a collections company called XXXX XXXX XXXX. I made the payment to the XXXX XXXX XXXX on XX/XX/XXXX. 

All attempts to remove the delinquency from credit has failed when the agency told me it will be removed after i make the payment. I called the XXXX XXXX XXXX and they told me to talk to personify since they are the original lenders. Personify isn't also responding to my requests. Please look into this for me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Self Financial 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:
I, consumer XXXX recently reviewed my consumer reports from XXXX, XXXX, XXXX and saw that Self Financial Inc reported the status of the account with them as " closed charged off '' as per 15 USC section 1692d ( 1 ) my consumer rights has been violated. Any alleged unvalidated remarks or best furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. I never had a balance this company to be reported as charged off. The information reported are incorrect and is causing me stress and demand the organization remedy this situation as soon as possible. I plan to seek remedy for damages as a consumer and legal measures if Self Financial continues to tarnish my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Prosper Marketplace, 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 status incorrect

Complaint:
This account was reported as delinquent when the account is setup on auto pay and no statement received shows that the account was past due or delinquent nor was a notice mailed or emailed the there was an issue with the auto pay or that any payment was returned,

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