BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
After.SLS LLC recieved final payment and processed they continued to charge fees and interest and are still charging and have added additional fees I Was assured in 2 seperate calls these late fees and interest were taken care of and taken off but could not produce an email or letter stating so to me till end of month which was XX/XX/XXXX. Now have recieved closing statement with additional interest and late fees attached. This looks like an ongoing issue with this company. I also filed with XXXX I Did send final requested payment in money order ( banks were closed to get certified check ) along with all conflicting documents and proof they processed payment on time. Trying to close out loan without negative repercussions on credit etc. due to their negligence. But honestly do not owe these fees, and have submitted all documentation of whom spoken to etc to company. Want others to beware of this company and read all negative views online. My understanding from paper work this is a subsidiary company of 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 explanation
Consumer complaint received 2023-03-08
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told them that I dont know anything about the debt. I asked them to provide the paperwork work that I signed or they should should me proof that I owed the debt but the refused to show me and I told them not to put it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I resolved a debt from XXXX with Midland Funding LLC, XXXX XXXX XXXX  and they took me to court in XXXX. I never recieved a proof of debt where the collection agency bought the debt and that I owed them the amount still. They put a lien on my property and never sent paperwork to arrange payments on this matter. Fast forward 10 years later and they filed a motion with the assistance of XXXX and XXXX representing them. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), MO XXXX. Phone : ( XXXX ) XXXX to revive the debt/judgement. They did so on the day before the 10 year grace period expired per the XXXX XXXX RSmO XXXX. When I called about the proof of debt they stated they didnt have correct address to send me paperwork then stated " we tried to but we didn't have the correct address and it got a notice to return back to sender '' however, if they did in fact try and send said paperwork how were they able to send me summons to appear in court to the same address they had on file? I went to my court hearing today on XX/XX/XXXX in XXXX XXXX and the mediator for the attorney 's offfice who doesn't even work for XXXX and XXXX stated they didnt have to send me anything to pay the bill or set up a payment plan which doesn't seem ethical at all. Now the original debt they said that I owed was {$6400.00} and that they incrued interest of {$6000.00} which made my total debt {$12000.00}. That amount spanned over 10 years is an interest rate of 20 %. Now I am an XXXX XXXX XXXX XXXX and that amount is against the law per XXXX and XXXX XXXX. XXXX The XXXX percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to and during military service to no more than six percent per year, including most fees which can be found at https : //www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra # : ~ : XXXX % 20 % XXXX % 80 % 93 % XXXX % XXXX % XXXX % XXXX, per % XXXX % XXXX % XXXX % XXXX % XXXX. 
Furthermore, the action taken by this company I beleive violates XXXX Missouri statute MO XXXX XXXX XXXX that limits the amount of time they have to collect on an old credit card debt they wish to settle. Lastly, I tried to contact XXXX and XXXX to resolve this debt and they were beyond rude with me and basically stated that they would not settle for any less than the {$12000.00}. I beleive they are trying to bully everyday citizens and are violating the protections of servicemembers. Please advise on what I can do to resolve this. Thank you for your assistance and have a great day. I can be reached at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Midland Credit account was removed from my XXXX record because it was determined to be too old. Only days later it appears on my XXXX  record. How is this possible. The actual date on the account closure was XX/XX/XXXX, not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX and Experian have failed to act on my complaint of identity theft despite being sent the requested paperwork and documents on four separate occasions. As a victim of identity theft, I submitted fraud affidavits and copies of personal identification to the credit reporting agencies, a number of creditors and several collection agencies. Most of the companies resolved the issue and removed the offending accounts. One company - XXXXXXXX XXXX - ignored the complaint and is now reporting the same fraudulent account to the credit reporting agencies XXXX TIMES. Each of the accounts is reporting the same open and close date, the exact same account number, and the exact same open balance. This has destroyed my credit. Not only has the fraudulent account for XXXX XXXX not been removed, it's now being reported in triplicate.

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 2021-09-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. In XX/XX/XXXX I decided to pay off the mortgage loan with Chase Bank.

2. I first made my usual payment for XX/XX/XXXX on the XX/XX/XXXX.

3. Then I started a series of extra payments until I reached the payoff amount.

4. I found it very strange that the balance never went to XXXX  as I expected.

5. XX/XX/XXXX I went to the bank to resolve this. Met with XXXX XXXX who said that the issue is that they deducted interest for XXXX and XXXX from the one {$50000.00} payment. This is an issue because the balance on XX/XX/XXXX was {$4000.00} and on XX/XX/XXXX the balance was {$1100.00} 6. The 2 extra interest payments were for {$570.00} and {$570.00}, which explained why the balance never went to XXXX, as it should have. 

7. This was escalated and given a Reference # on 2 different instances : a. Reference # : XXXX b. Case # : XXXX ( Pay off dispute request ) 8. I called several times without any luck getting this cleared up. 

9. On the last occasion I got an individual who told me that in order to get reimbursed for any over payments I would need to close out the account. Then the mortgage dept at Chase would calculate the amount to reimburse me. 

10. We closed the account on XX/XX/XXXX. Then I got reimbursed for {$0.00} on XX/XX/XXXX. I called and told them it was an error and I was owed the interest I paid for XXXX and XXXX, but they said it was too late because the account was closed. 

13. My request is they re-determine the balance if the XX/XX/XXXX was all applied to principle and not a future interest. The XXXX and XXXX interest should be XXXX since the loan was completely paid off by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 recently conducted a thorough review of my credit report on XXXX by XXXX XXXX and discovered an erroneous piece of information on my TransUnion credit report. It is important to note that I have never been late on any loan payments, and I have successfully proven this to XXXX, resulting in the removal of a late payment from my record in XXXX. However, this same late payment from XXXX XXXX is still being reported as a delinquency on my TransUnion report. 

In an attempt to rectify this issue, I initially tried to dispute the error online but encountered a setback when I realized I had forgotten my password. Consequently, I proceeded to reset my password, and the TransUnion website assured me that I would receive an email containing a six-digit passcode. Despite my repeated attempts since XX/XX/XXXX, I have not received any communication from TransUnion regarding this matter. 

Frustrated by the lack of progress, I decided to reach out to TransUnion via XXXX on the same day. XXXX, a representative from TransUnion, promptly responded and informed me that my case had been reviewed. However, she explained that it required file maintenance, which would take approximately five business days to process. This conversation took place on XX/XX/XXXX. Disappointingly, upon checking my credit report today, I discovered that no updates had been made to rectify the issue. Furthermore, I noticed that TransUnion has listed multiple incorrect addresses, further complicating matters. 
My payment was due on XX/XX/XXXX and i made a payment on XX/XX/XXXX. There is no way i will be considered 30 days late. I have attached a document to prove that i made a payment on XX/XX/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 2022-12-28
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in reference to a communication of dispute you were in receipt of in XX/XX/2022. The complaint was filed with the credit bureaus ( XXXX, XXXX XXXX XXXX ) through the CFPB in regards to illegal reporting that I owe your company a debt. I requested validation of the below mentioned debt. 

Caine & Weiner XXXX Account XXXX. : XXXX In response to the complaint filed, on a letter dated XX/XX/2022 your company sent a single billing statement received from the creditor 'to serve as proof '' that I was indebted to Caine & Weiner for this alleged transaction. In addition to that, your company continued harass and defame me by communicating and illegally reporting this alleged debt to the credit bureaus as if I entered into a payment agreement with your agency. This resulted in multiple denials of credit extension, and embarassment. 
According to 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
" Any Medium '' to be taken literally means any form of communication whether written, oral, verbal, electronic or any other means, therefore furnishing on my consumer report bearing any information in regards to this alleged debt by Caine & Weiner is to be considered communication as per the FDCPA. 


The creditor has reported this account as charged off, meaning they are no longer attempting to collect on this alleged debt owned by them. That debt according to the law has been paid. 

As you are aware the creditor sold this debt to your company in XXXX of 2022. 

I am informing you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false narrative and misleading me as a consumer that the creditor was attempting to collecting this debt, but in reality it was simply put, not true. It goes without saying, I expect a deletion of this account immediately. 

For reference : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes suchcreditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX fraudulent transactions happened on my XXXX XXXX debit card. I filled a claim and it was denied. All of these transactions happened in places that I don't go to and in towns a long way from my home. They are absolutely fraudulent and yet Wells Fargo refused to refund me the {$520.00} that was stolen from me.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: NY
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 Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 it immediately in my report : 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 explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller  XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2022-12-28
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: 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. 

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms 36 Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} Terms 84 Months Account name :, Account name : # XXXX, These Companies 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 XXXX 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 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 2023-01-12
Company: Experian Information Solutions Inc.
State: IN
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. CITIZENS BANK XXXX  Date Opened XXXX XXXX XXXX Balance : {$290000.00}

Company response to consumer: Closed with explanation