BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On the XXXX of XX/XX/2021 I called SLS Mortgage Company in Arizona to check up on the status on my new refund check that I'm supposed to receive a few weeks back. Check # XXXX issued my check with my last name spelled wrong. This issue has been going on since XX/XX/2021. My local bank teller couldn't deposit the check because my last name has been spelled wrong. I tried calling several times when I have free time to call the SLS mortgage escrow department, because I'm enrolled in a XXXX XXXX XXXX in Texas XXXX XXXX  XXXX and my mobile phone must be shut off during XXXX XXXX. The agent I talked to SLS Mortgage Escrow Department is XXXX, Employee # XXXX. XXXX was unethical and discourteous when I asked her about the check that was issued to me that had my last name spelled wrong. XXXX was verbally rude over the phone and asked me that it takes 14 days to re issued the check to me. I tried to explain to her that I have called last 2 weeks ago and the agent XXXX XXXX talked too, said it's been mailed to my address with my last name spelled correctly. I explained to XXXX that this issue has been going on since XX/XX/2021 and I told her I will report her to Better Business Bureau, Federal Trade Commission, and the Consumer Financial Protection Bureau for mistreating their customer and false information from different employees saying my check has been re issued to me. XXXX verbally guffaw and told me that I shouldn't report to three bureaus because SLS mortgage wont work with those complaints that I have filed. XXXX told me she is the Manager of the Escrow department and told me it's not necessary to file a complaint. On the XXXX of XX/XX/2021 I called the SLS Mortgage Escrow Department to check up on my status. XXXX answered my call and told me that the new check been reissued to me hasn't been made yet. I told her that XXXX is supposed to fix my check with my last name spelled correctly. XXXX reached out to XXXX at the XXXX department, and I waited for over 10 minutes on hold. Unfortunately, XXXX told me XXXX hasn't issued me a new check with my last name on it. XXXX told me to call back in 5 days. This is outrageous and very frustrated when I have different SLS employees told me that my check has been re issued and now I have been neglected by SLS Employees and my check hasn't been processed with my correct last name. I am a XXXX XXXX Veteran that served 12 years XXXX XXXX with a double XXXX XXXX XXXX in XXXX XXXX  and XXXX  XXXX. I now completed my XXXX XXXX XXXX at Texas XXXX XXXX XXXX. SLS Mortgage Company should retrain their employees in customer service and good ethical background on how to handle their customers in a professional attitude. Please investigate. 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 explanation
Consumer complaint received 2023-09-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting 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 VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern : XXXX XXXX box XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( HR12 ) - ( BS-7 ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to original complaint case number XXXX. 
Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX XXXX partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 

I have contacted the two bureaus to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights

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 2021-12-31
Company: BOK FINANCIAL CORP
State: OK
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:
Bank of Oklahoma and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit 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:
Amazon subscription charged to my Amazon store card through Synchriny Bank monthly without authorization. Charged a {$40.00} late fee each month for {$16.00} prime fee that I was unaware of. Asked for card to be canceled and charges removed. Synchrony Bank says they will not remove charges and card remains open, because I sent dispute info to Amazon address. I believe the prime fee box was checked on something I did not intend and was required to unchecked. This is a sneaky subscription scam

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SELECT PORTFOLIO SERVICING ( SPS ) HAS VIOLATED THE FDCPA MANY TIMES NOW AND CONTINUE TO DO SO. PLEASE SEE ATTACHED COMPLAINT FILED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Exeter Finance Corp.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX  ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( TransUnion, XXXX, XXXX ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! 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 explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: CA
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:
They are showing inquiries that are not authorized nor have permissible purpose, nor have written authorization for the following Inquiries. 

1- XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XX/XX/XXXX 6- XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: ADP Inc.
State: LA
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been requesting a replacement card since XXXX. I have been told 7-10 business days several times with no card still XXXX have requested expedition twice. First time received a tracking # immediately and never received card. Second expedition was told 1 business day and was told to call back in 1 hour and then told call back Monday for tracking number. I have had no justice in this matter and it is very concerning. Please and thank you for your time concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXXXXXX XXXX XXXXXXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-01-11
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting into XXXX XXXX and Transunion inaccurate information that was removed from my XXXX report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

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 2021-04-19
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALLIED INTERNATIONAL CREDIT CORP., ( AIC )., ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Office Hours : Mon-Fri XXXX - XXXX EST XXXX. I received a letter dated XX/XX/XXXX from AIC stating that my XXXX  account incurred debt of {$940.00} and that XXXX sent this to AIC for collections. 

My XXXX  account is up to date with no money owed. Letter states the following : " The above referenced number XXXX has been referred to our office for collection by XXXX, the creditor. Furthermore, AICs letter has a unique statement that states ; As we are nearing tax return time, AIC ( US ) is reaching out to provide an opportunity for you to fulfill your obligation. If you are receiving a Tax Refund this year, consider using those funds to pay the balance due. I fine this statement deceptive by AIC to collect a debt that I do not owe. XXXX does not send any of their Buyer 's accounts to a collection agency, and that you would always first receive an email from XXXX, notifying you your account is past due. AIC fraudulent reports go back at least 4 years on XXXX 's community site. 

Furthermore, in XXXX of XXXX, XXXX, a nationwide credit reporting company headquartered in XXXX, Georgia, announced that a data breach at the company resulted in the exposure of approximately 147 million U.S. consumers sensitive personal information, including names, addresses, social security numbers, and dates of birth. 

Based on the information I provided, their records indicate my personal information was impacted by this incident. I could be a victim of identity theft.

Company response to consumer: Closed with explanation