BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by Covid-19, and job loss that placed me in a position of not being able to pay the mortgage for months in the year XXXX. I contacted the loan company and requested to speak with a representative on a non-recorded line, as suggested by the automated system. However, a live representative answered, and reviewed my account and said I qualified for the programs to help me. I said great, then I asked if the conversation is being recorded and they said yes. I stated I would like to discuss my matter on a non-recorded line, and I was told someone would call me back! 

Well, I never got that call back or a voice message from the company to assist me with my issue. I called back several times, same thing happened. When I called on XX/XX/XXXX about XXXX, the automated system took my information and again stated I was approved for help. 

I received details about a loan modification in the mail on XX/XX/XXXX which stated to accept the terms, I needed to make a payment by XX/XX/XXXX, XXXX or the offer may be off the table and Foreclosure may be enforced with no option. I did send the requested payment to the lender, and still have not heard from them. 

" The lack of communication is from the lender is terrible ''. 

Again, I reached out to the lender on XX/XX/XXXX to simply inquire if they had received my payment, and again I wanted to have a discussion on a non-recorded line. The customer service person ( Who's name and details I have ) said she could not give me any details on my account if I wanted to talk on a recorded line. I said Ok! However, as I told her that no one has ever done a return call, then questioned what was the process of returning calls? Then, it became very simple how " FLAUD '' the system is! 

Here it is : ( 1st ) The Rep. place a call back request, but it's not to a particular person, it's just in a request box. ( 2cd ) No one is assigned to truly call you back, so no accountability is there. Which allows a call back Maybe or Maybe Not. ( 3rd ) If a Rep. gets the request to call you back, it's no way of knowing, or back - tracking who that person is. Nevertheless, this is why I have not received a call back. The Reps. have been pushing my request to the side, ( I'm sure I'm not the only person ) and No One is accountable which effects the timing of information being processed to properly do business in a timely manner. THIS IS A SERIOUS PROBLEM! 

The Company is : Specialized Loan Servicing, LLC

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 2022-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In accordance with the The Fair Credit Billing Act of 1974 the XXXX XXXX statement regarding double billing is attached. XXXX XXXX was presented for settlement. This personal statement is being provided regarding the XXXX XXXX transaction solely. This does not authorize anyone to contact XXXX XXXX or act as a representative of the account holder. Chase bank card XXXX was not authorized for completion of this transaction and it was never presented to be physically swiped for settlement with this merchant. Duplicate billing has occurred and all billing should be removed from card XXXX. This is a request for the proof of the authorization date and time of card XXXX being swiped at check in or check out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove

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 2023-05-29
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rocket Mortgage is violating the federal CARES ACT for those ill with XXXX. They told me my forbearance ended and that I needed to pay the full amount lump sum. I asked why they weren't honoring the paperwork they sent me, saying I could pay the amount at the end of the loan, as reiterated by the federal CARES ACT. They gave me two options, that I refinance in which they receive {$120000.00} or I pay lump sum. They are violating the FEDERAL CARES ACT. I am sick with long XXXX and am requiring major XXXX due to XXXX caused by XXXX. Violation of the federal law. I want them to be held accountable for violating FEDERAL CARES ACT. I have kept all paperwork showing this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I noticed on my credit report that Hunter Warfield started I owed XXXX XXXX. I never received a letter confirming my debt. I was evicted without a hearing after XXXX pulled my eviction on XX/XX/. I was evicted I XX/XX/XXXX  without XXXX going through proper procedures after withdrawal from eviction. This is illegal and I will add this to legal aid. Please remove from credit report. I filed my paperwork for a hearing before eviction. Since the original creditor, XXXX sold my debt to another agency they have forfeited any right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: FACTUAL DATA CORP.
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: Reporting company used your report improperly

Complaint:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went through a divorce in 2022 and part of the divorce agreement was that all debt would be paid off before divorce was final. On XX/XX/2022, My attorney and I worked to pay off all debts. That day I called Comenity Bank the holder for the My Place Rewards Credit card for Children Place and requested a pay off amount. I explained I needed the full balance due and it needed to include any interest that was owed so that my attorney could submit the payment per the divorce agreement. I was given the amount of {$460.00}, which was the amount that was paid. A month later I received a bill for interest. I called and told them the card was closed and that the bill had been paid in full in XX/XX/2022. Every month since XX/XX/2022, I have received a bill with accruing interest and late fees. I have called them several times to dispute the charges. They refuse to remove the charges and say they will turn me over to collections to get the money they say is owed. I gave them the name and phone number of my divorce attorney ( XXXX XXXX - XXXX XXXX XXXX ) per their request so they could verify the information I gave them. They have not contacted my attorney about this. Nothing has been settled as of today and they have now reported to the credit bureaus that I have failed to make on time payments and that I am 150 days behind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This complaint involves Trans Union XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with XXXX  XXXX Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX and XXXX. Over the month many months I have communicated with both my credit card provider and Trans Union to rectify the situation to no avail. I was initially told by Trans Union that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to XXXX XXXX Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called Trans Union in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back XXXX XXXX and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that Trans Union would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from Trans Union had told me over the phone on XXXX it would work out because XXXX XXXX Visa had notified Trans Union of New Account Card number. I am lost this point hoping you can provide help at this point.

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 2023-07-07
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:
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. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 2021-03-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This lease or car loan from Santander has been totaled out from my insurance company fr auto thief and the balance showing is not correct. XXXX has paid over XXXX for the total lose of the vehicle. I've contacted Santander and XXXX and someone is stopping the payment from going thru. im unable to contact the claims department or supervisors to have my account updated and paid off. ive got emails asking to dousing the total lose claim for Santander from XXXX and every time I sign itit comes back as an error message and im not able to reach anyone in the claims department on my claim with XXXX or Santander. Can CFPB please investigate this. I just want this balance corrected and off my credit and reflecting the correct balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting a State of California Tax lien on my credit report they removed a long time ago, after receiving the tax lien document, 2 years later after months of not monitoring my credit they inserted the tax lien on my credit report, this time when they re inserted it, they duplicated the tax lien fraudulently increasing my debt from {$20000.00} to {$55000.00} they are in violation of the Fair Credit Reporting Act section 623, and in violation of U.S. Code ss 168i, this is willful violation by the credit bureau if this problem continues to persists, resulting in a lawsuit against equifax. Equifax swore under oath not to report anymore judgements, liens, or public records except for bankruptcies if the statute of limitations has not run out for that to be reported. They continue to lie about not being able to delete, which is clearly a tactic used to discourage the consumer from disputing, I know the laws, my rights, what they are, and are not supposed to do, They will delete the tax lien and the duplicate immediately, or I will sue, XXXX, and equifax had complied and removed the lien, and equifax is the only one that is in no ln compliance. And they are also reporting it past the statute of limitations by fcra for credit reporting anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: Johnson Mark LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have not received any communication, release of judgment, removal of debt from XXXX XXXX XXXX, and removal of debt from my personal credit reports etc. 

Invoice of total owed received on XX/XX/2023. Check in the full amount of {$4900.00} was mailed out on XX/XX/2023. According to records check cleared in early XXXX. 

Again! have not received any any communication, release of judgment, removal of debt from XXXX XXXX XXXX, and removal of debt from my personal credit reports etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The rest need to be taken off and they all keep giving me the run around. I have also contacted all companies and they can not tell me a rhyme or reason why my report was ran and when I tell the credit bureaus they tell me to contact them back and essentially do nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and noticed 3 collection accounts from Security Credit Service being reported. I disputed the accounts with the credit bureau, it came back verified. I then contacted Security Credit Service via mail requesting for validation of the debt along with a signed contract showing my signature. I never received a response nor did they ever notify my of these debts. I received no phone call, no letter, nothing from this collection agency. I am very frustrated trying to get answers from them.

Company response to consumer: Closed with explanation