BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
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: 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 {$0.00}, {$0.00}.

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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Amendment to XXXX. I asked about the extra payments and was told if I was late, the interest is more. I responded that I understood, but that is at the end of the loan, and they did not seem to understand. I realize that I have a fixed price I paid upon the car, and that interest compounds. If the company says I owe this much, and then I pay it, then tells me a few days later that I missed a payment? Because they added a payment to my account, that is not acceptable. Anything extra should be put into the payoff payment...

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 2021-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc. sent me a letter dated XX/XX/2020, stating that they were setting up an escrow account for insurance and/or taxes. They did not specify what the impound account is for, but the amount is consistent with homeowner 's insurance. I contacted them twice by U.S. mail and included documents proving that my payments for insurance and taxes are current. They have not responded, and they continue to bill me for an extra {$59.00} per month for their escrow account, even though they assured my XXXX insurance agent that they do not have an escrow account attached to my mortgage. I tried to pay my monthly mortgage payment on the Select Portfolio website today, but I can not do so without paying that extra {$59.00} for their unlawful escrow account. Select Portfolio has repeatedly tried to foreclose on my home in the past 5 years by falsely claiming that I did not make my monthly payments, and I have proof that I did make those payments. Now they are billing me for an escrow account to which they are not entitled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted TransUnion several requesting proof per the FCRA guidelines that this debt is indeed mine. XXXX continues to fail at providing proof.

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 2020-12-12
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We sold our house on XX/XX/2020. The mortgage was paid off by the title company on XX/XX/2020. 

The MORTGAGE is STILL OPEN IN THE PUBLIC RECORDS of the XXXX XXXX XXXX, XXXX, NJ. 

I have contacted Shellpoint Mortgage Servicing on many occasions, by phone and email, and they are not responding to my request. 

I spoke to the county clerk and they said to find out how the cancelled mortgage was sent in because their on-line system has been down since XXXX and they have no record of receiving anything from Shellpoint. 

I gave this information to Shellpoint and asked them how they sent in the cancelled mortgage. They have not responded other than to send me the same letter over and over again that they received my inquiry and they are working to gather the information. 

I am getting nowhere. I finally asked them on a couple occasions to please just mail in a duplicate cancelled mortgage to the clerk, so we can get this off the records. 

This is impacting our ability to apply for a mortgage - because no lender is going to give us a mortgage if it shows we still have an open one. We have a very small timeline to get a mortgage because of our rental lease expiring.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
Accounts are Listed on Credit Report that are Reporting Late payments, Chargeoff, and Write-off. These accounts are closed and Creditors refuse to send 1099..Credit Bureau won't remove inaccurate information because all 3 can't be active at the same time. Also reports from Child Support as well as Bankruptcy Court which the Courts Haven't Provided. But are included in my Reports. We are currently seeking a Home and this Process isn't working please help. Equifax XXXX and XXXX are not helping

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDNELNET duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and Experian is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX  to immediately delete the four Department of Education accounts listed on my credit report for not complying with 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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2022-04-26
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I received a letter from a collection agency ( Convergent Outsourcing, Inc. ) dated XX/XX/2022. I attached a copy for your review. 

The letter claims that I owe {$50.00}, however, I paid my final bill to XXXX which was actually {$85.00}. I have attached evidence of this as well. 

The debt amount does not even make sense.

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 2022-04-26
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:
What happened? 
XXXX XXXX XXXX has flagged your account as Charged off as bad debt with XXXX, which may negatively impact your credit score based on TransUnion data.

Source : TransUnion Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Activity : Charged off as bad debt 15 U. S. C.1681 section 602 A States I have the right to privacy 15 U. S. C. section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.

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 2021-01-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting XX/XX/2020, I have been attempting to refinance our existing mortgage with PHH mortgage. The company has elapsed on due dates multiple times and required myself and XXXX to provide the same information multiple times due to their negligence. Around XXXX I was advised their was jo additional action required on my end however PHH had an internal complained check that needed to be completed. We were told we would close in XXXX, again in XXXX ( twice ) and to date no settlement.

Phh tried to charge me for an updated appraisal due to their negligence. They also had additional fees applied on my pre closing statement when they advised they waived the 2nd appraisal with no explanation. I do not trust this company and I believe they are trying to scam me. My interest rate is 7percent and I believe they are doing this to not lower my rate. 

This is unethical and ridiculous. No company should be allowed to get away with such act.

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 2023-06-29
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:
the Accounts listed below do not belong to me but keep appearing to my file after several attempts in having them remove by the credit bureau which is in violation of my Federally Protected Consumers Rights to privacy and Confidentiality under 15 USC 1681 - XXXX XXXX, XXXX. XXXX XXXX - XXXX XXXX XXXX {$1.00}, 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 non-monetary relief
Consumer complaint received 2017-01-26
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi We got sold into XXXX subprime mortgage marketing and we got stuck with the mortgage. Our current mortgage got sold into a trust serviced by BSI. I recently lost my job and BSI threaten to foreclose and kick my ( primary ) family out of the house. We asked for loan modification and we got the worst deal ever. Our rate went higher before, the monthly payment more than before and the term of the loan went from 30 to 40 years. Moreover, BSI filed the foreclosure and we are incurring lawyer 's fee. We have requested to work out a forbearance for 3 months until I can land on my feet. BSI refused and want to proceed with the foreclosure. We are desperately in need for help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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  Account XXXX 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 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 2019-04-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I filed a complaint about Transworld Systems Inc attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a zero statement. 

Here is the problem. Transworld Systems Inc provided CFPB a different letter than they presented to me. They deleted the fourth paragraph from the letter that was sent to CFPB. See attachment. The statement that was provided by Transworld Systems Inc has a XXXX   balance. But, the letter to CFPB states a balance. 

This collection was reported to my XXXX credit report in error, and XXXX has refused to delete the collection. 

Based on the provided statement from XXXXD XXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, contractual insurance allowance, and allowance provided by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MO
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 XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with Experian which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX XXXX  {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX {$570.00} and XXXX/XXXX and XXXX XXXX  {$330.00} these all resulted in fraud account due to Experian data breach and i have disputed many times every year for the last few years and Experian has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : 1. XXXX XXXX. XXXX 3. Experian 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child.

15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 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. 

( THIS IS ON XXXX WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT

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 2021-01-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has once again filed a false claim for the fifth time for a a debt that is not owed. This same claim has been on going for 7 years. Each time I demonstrate that it is not owed and their fraudulent invoice is exposed and returned by a collection agency, they re- file it with a new company, after the last collection agency drops it. 

It should be noted that this false claim has been dropped four other times and the behavior by XXXX has become criminal, as they have no legitimate purpose to keep filing this claim which amounts to stalking. 

I have attached the letter from the last collection company that dropped the debt. There are three more companies that dropped the debt, after review, but the last one should provide all the information needed.

Company response to consumer: Closed with explanation