BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am filing this complaint against SPECIALIZED LOAN SERVICING ( SLS ). This loan has not been paid since XX/XX/XXXX. I hold the warranty deed to this property that the 2nd mortgage is on. It was said to be {$37000.00}. and it had ballooned to {$86000.00}. undisclosed until we went to sell property. I called the third party, the name on the loan, to ask for her to authorize myself and my attorney to speak to this. She provided this information and now they call her daily and ask her when this is going to be paid. my attorney has called and written a letter to SLS asking for an offer in compromise and they will not grant that. The statute of limitation is 6 years in Colorado and it has been 9 years. This loan is on a property in a third party name. I purchased the property while in a Foreclosure Training program that induced me to buy this property as a fix and flip. XXXX XXXX XXXX XXXX, XXXX XXXX, was the seller of the warranty deed. Mr. XXXX took this property fraudulently in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others were sued by the Colorado 's Attorney General in XX/XX/XXXX. 

The Attorney General 's report is listed as ASSURANCE OF DISCONTINUANCE UNDER C.R.S. 6-1-110 ( 2 ) Ms. XXXX XXXX XXXX, Reg. No.XXXX  Senior Assistant Attorney General. Her phone number is XXXX. I will include the letter my attorney sent to Specialized Loan Servicing.

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 2022-03-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I refinanced my auto loan from Nissan Motor Acceptance XXXX to the XXXX University XXXX XXXX XXXX ( XXXX ) A payoff check from XXXX was paid off to Nissan in the amount of {$10000.00}. I inadvertently submitted a " Bill Pay '' from my checking account with the XXXX XXXX XXXX covering my loan payment of {$250.00} on XX/XX/XXXX. I called Nissan to inquire about my overpayment and asked to be reimbursed for the excess payment, and they told me I would receive a check within 10-15 business days ( from XX/XX/XXXX ) On XX/XX/XXXX, I still did not receive the check. I called Nissan again and was told that the check was rejected and sent back to the XXXX XXXXXXXX XXXX. On XX/XX/XXXX I went in person to the XXXX  XXXX XXXX branch in XXXX, Massachusetts, and they confirmed that the check had not been returned to the bank or to my account. They also confirmed that Nissan cashed the check of {$250.00}, and the funds were withdrawn from my account. I have tried calling and emailing Nissan several times and as of today, XX/XX/XXXX I have not received my overpayment reimbursement of {$250.00}. I am attaching documents and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: KS
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 been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX  XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus .

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on 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 2022-09-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I went to JP Morgan Chase ( Branch # XXXX ) XXXX  XXXX XXXX located at XXXX XXXX XXXX, ME, XXXX XXXX, XXXX, GA XXXX, to deposit a check in the amount of {$92000.00}. I specifically told the young lady greeting me that I wanted to open a savings account. She introduced me to Chase Private Client representative, XXXX XXXX XXXX. XXXX XXXX looked at my Chase accounts and informed that I already had a savings account, so I requested XXXX XXXX to deposit the funds into that savings account. When I left the bank I noticed that the check had been deposited into my checking account ending in XXXX. I immediately contacted XXXX XXXX about the error and requested he correct it ASAP. He informed me at that point it was too late. I informed XXXX XXXX I requested the funds to be deposited into savings for tax purposes. He inquired if the check was " income ''. Although this was no business of his, I told him it was not income. However, why should I need to explain where my funds come from? What makes a Chase representative think they can determine whether a customers funds should be deposited into a banking or checking account? This is another perfect example of the hazards of 'Banking While XXXX '. There appears to be a double standard when working with XXXX American consumers. This must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: MIDFIRST BANK
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I opened an Online Savings account with VIO Bank, and on multiple occasions from XX/XX/XXXX, to present, I notified VIO Bank that my cell phone number listed on my account as XXXX had changed and that I did not have access to that number any longer. I repeatedly requested that VIO Bank update my account cell phone number from XXXX to XXXX. 

I have made multiple phone calls to VIO Bank and provided identifying information verifying my identify however VIO Bank refuses to update my contact information to prevent IDENTIFY THEFT with the use of my old phone number remaining on file. As of today, VIO Bank has failed and/or refused to take the necessary steps to update my phone number to prevent my Online SavingXXXX account from being compromised with the use of the old contact information.

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 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
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:
Have tried several times to have this removed from my XXXX credit file with no success.This is not my account.i have two credit cards with XXXX XXXX both in excellent standing like all my credit.This account does not belong to me.If there was an account opened in my name i am not aware of it.and is fraud.I am seeking a home loan and need this removed or i will be forced to seek legal action for damages that this fraud account has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Account status incorrect

Complaint:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXXT XXXX Date Opened : XX/XX/2005 Balance Owed : {$4900.00}

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 2021-09-23
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
I had specialized loan servicing for my mortgage account from April 2018-April 2021, and there numerous inaccuracies on my credit report from XXXX XXXX XX/XX/2019. My credit report shows that I was late on my mortgage. I was in the process of doing a loan modification on my home and i was informed by SEVERAL people within the company that this would not affect my credit. As well as once the modification was completed any negative reporting would be corrected. Well here we all two years later and 30-40 phones calls, my credit report is still showing late payments for that time period. This is very detrimental to my credit and my ability to obtain another home for my pregnant wife and daughter to enjoy. This is the one thing stopping me from being able to purchase another home and it's very unfair to have put my faith within a company to be truthful to their word and do right by me as a customer. Now that I have sold my home and no longer have an account with specialized loan servicing it has been impossible to have any communication from specialized loan servicing.

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 2022-03-08
Company: Experian Information Solutions 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:
I am being violated by Experian as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

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: 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:
Last night Equifax announced a major security breach. 

My account information, amongst millions of others, has been comprised and probably sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding sold my previous credit card debt to another company and is still reporting on my credit report stati ng that I owe them. I have disputed this several times and it was removed. This company continues to report this debt to my credit causing my score to decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I found that I was unable to make my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments. My debt was in collection for 1 year with XXXX XXXX XXXX. I thought that I was in a position to settle the debt with XXXX  XXXX but things didn't work out and XXXX  XXXX resold the debt to Portfolio Recovery Associates XX/XX/XXXX. When disputing this account with XXXX, XXXX and XXXX the account isn't removed because the information they provide shows that I still have another year to be punished even though it has been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX an account was sold to Portfolio Recovery Association, LLC. An account that I didnt know it ever existed. Until I was inquiring for a house. It had dropped my credit score XXXX points. I tried disputing multiple times about this collection. That it was an unauthorized transaction. I have a great track record of paying all my bills on time. This collection that I didnt do is dragging my credit score down. I did not receive any rights to dispute. Until recently they have sent me an email containing their evidence. They sent me a rights to dispute on XX/XX/XXXX, but to the wrong address! Thats why I didnt even know I had collections. They sent this rights to dispute to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Colorado XXXX, on XX/XX/XXXX. I have been living in XXXXXXXX XXXX XXXX XXXX XXXX Colorado XXXX since XX/XX/XXXX. Due to Failure to verify my right address has caused my credit score to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NV
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 am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase of {$740.00} on XXXX The products are fake/counterfeit and I tried to cancel orders but they sent me item anyway.. 

I would like a refund-charge back done on this card.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX say that I was per approved for different credit cards but I was turn down for every application.

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 2022-02-11
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The is a collection account placed on my credit files from Radius Global Solutions on XX/XX/2021 for the amount of {$290.00}. The original creditor is XXXX XXXX XXXX XXXX. This is not my account and I am not responsible for this 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
Consumer complaint received 2018-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Creditor XXXX XXXX XXXX & portfolio recovery had damage my credit and falsely report information to my credit agencies of late payments and such ; knowing long time ago I was XXXX by the time I wasnt able to pay as they already have all proofs I sent them plus the proofs in other complaints I called them to let them know my situation and to freeze my account but they continue maliciously to charge fees and report to the credit agencies and for instance damage my credit then sold the account to portfolio recovery. This account is too old and its statues of limitations has expired and is a corrupt account that has damage my credit without giving a though in my situation before and even though its amount is minor I wont pay it because I think they owe me more for false report and harrass and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: National Credit Adjusters, LLC
State: MI
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:
this company is claiming that i owe a debt from a pay day loan i did not take. 
this is fraud and i did not take out a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2002 I submitted a dispute with USAA for charges of {$280.00} to my checking account via debit card debit that I had not authorized from a company I have had business with and had decided to ilegally charge my account after leaving them a negative review for their services. USAA took over a month to process the dispute, only to request more information, which was information already provided, and then deny the dispute without refunding my money. I have been a USAA customer for over 21 years without issues and now they decide to allow someone to steal from me. Seems like they did not do any investigation whatsoever and just denied the dispute. Have they don't their investigation, they would have seem that the company did not have any right to debit from my account since I had not given them permission to debit anything, so they wouldn't have any receipt or authorization allowed by me. In addition, I did provide documentation of any payments given to the company, which were not even in the same amount of what the company debited without permission. This is simply fraud and USAA is allowing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
I want the information that is incorrect ( FTC report attached ) removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to Capital One as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received 10 different letters from Capital One that they closed 10 other accounts that were opened in my name. I did call and the fraud department confirmed 10 other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a threatening, abusive, rude telephone call from XXXX XXXX of XXXX XXXX XXXX and XXXX. She threatened to send law enforcement to my home and job and to garnish my wages for a credit card debt that she refused to provide me information about. She said that i owed {$1200.00} plus court costs and attorney fees. 
She had the wrong birthday and SSN for me. She also left a message on my husband 's phone number which has no connection to me at all.

Company response to consumer: Closed with explanation