BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have requested that our servicer, Specialized Loan Servicing. pause our sale date of XX/XX/2023 to allow us to complete a review of the XXXX XXXX XXXX application. We were not made aware of this program by ANYONE, not even our servicer, until the beginning of XXXX when they issued the actual notice of sale. We were not even made aware of our options to work with a local HUD approved counseling agency either until much later after the notice of default. We have made the request to pause the sale date to XXXX but they have refused even knowing that our HAF application is in process. We elected to submit a request of mortgage assistance also in an effort to pause the sale date, but a customer service agent informed me that this would be denied anyhow because the sale date is so close. We are trying every effort to keep our home even after critical information was not given to us. We are NOW working with a HUD-approved counseling agency, XXXX, and they have also been stonewalled to getting our sale date postponed.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received repeated emails from companies called XXXX XXXX XXXX XXXX . I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report. 

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the 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 2023-07-21
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they 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 2023-03-13
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: Information belongs to someone else

Complaint:
Consider this as a follow-up complaint to my previous attempt dated XX/XX/XXXX. I want these items to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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: Account information incorrect

Complaint:
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I disputed and contacted the company several 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 explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2020-03-13
Company: Direct Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency left 2 voicemails in one day. The first message was left at my employer on a recording and the second voicemail was left on my personal cell phone number. The first message was left XX/XX/20 between XXXX XXXX and XXXX XXXX. EST. The second voicemail was left on my personal cell phone at XXXX from a XXXX phone number. When I called in, the first representative hung up on me after I advised that I will be XXXX  the number to ensure that the company is a legitimate company. The second representative was a male that indicated that he would notate the account in regards to the conversation. A settlement was offered and after he advised about the settlement, I advised him that there were 2 violations in regards to the FDCPA and he insisted on getting me to a supervisor but was unable to do so. He advised me to hang up and call in and ask for extension XXXX because that is the extension for supervisors. I called back and asked for extension XXXX and the female that answered indicated that there is not an extension XXXX ; however, gave her name and said that she is a supervisor. I advised the situation in regards the violations and she was very defensive. All representatives indicated that the calls were recorded and that she will forward the information.

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 2019-03-23
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TeleCheck continues to allow fraudulent checks to be written in my name to merchants and provides no relief for ID theft. They continually ask for information they are not entitled to like drivers license number, DOB and SSN. I have not written a paper check in years and there is no path to resolution with this company. I fear that this fraud will negatively impact my perfect credit. The most recent letter is dated XX/XX/19 for a transaction of {$130.00}, reference number 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 2022-12-23
Company: EQUIFAX, INC.
State: MD
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 have filed Disputes dated back to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX none of which have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: BSI Financial 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 is missing that should be on the report

Complaint:
XXXX XXXX, I have sent a fax with information about missing details in my credit report. I have provided details to the company with proof of purchasing the house with my wife in XXXX and refinancing it in XXXX. 

I am attaching the fax sent to the company and request you to resolve this problem with BSI financial and ensure that my name appears on the mortgage information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My debit card was lost/stolen. I have been waiting on my replacement since Monday. One rep told me 3 to 5 business days. I should mention that I take the bus and my work schedule combined with the general slowness/inefficiency of the bus makes it all but impossible for me to make it to a branch on time. I'm a temp so if I try to leave early, I'll be fired and replaced before I could make it to the bus stop. So I'm going days without access to my money, services and subscriptions linked to my card are going to stop once payments start getting rejected. Plenty of banks and credit unions can print a card same day or send replacement cards through higher priority mail. On my most recent trip to a branch, the bank employee wouldn't even look up the status of my card in the mail and just said to wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
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:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2020-05-04
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: Information belongs to someone else

Complaint:
All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole my identity

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 2023-11-30
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
Experian XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Requested validation of accounts on XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am on the phone now going on 31 minutes with about 3 of those being talking. It is XXXX est and your agent has already denied me service I have the right to receive as well as lied to me. I told her I want an ACH stop payment which the supervisor XXXX was able to give me a few days ago and told me is new. I told this lady to do that, she insisted on talking all sorts of nonsense, so I told her if she doesn't know what it is to stop wasting my time and go ask somebody. She then put me on hold for over 8 minutes and came back and instead of asking about it like she promised she told me she reviewed my previous chat logs and was going to deny me a service I have the right to based on chat logs. I told her I want to speak to a supervisor and she is just leaving me on hold it's been about 15 minutes now. So my takeaway from this is either XXXX is lying or this rude and egotistical agent who thinks she knows everythin, lied to me, then denied me service on my account where I am depositing about {$1000.00} a day for just the credit card transactions of website of the multi million dollar business I represent thinks its ok to provide me with service of this quality level. This is tortious interference of my business and synchrony bank, dereliction of fiduaciary duty and fraud. If my account is charged because of the inability of this agent to process a simple stop payment and her malicious intent to stop me from getting service but just putting me on hold to steal wages from your company you can bet you will be hearing from my lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: OneMain Finance Corporation
State: MS
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:
I have hard inquiries on my report that I have no knowledge of. 

XXXX : One Main financial on XXXX XXXX XXXX : one main financial on XXXX XXXX XXXX : XXXX card services on XXXX 2021 I havent dealt with any of these companies and have not given them permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a son, XXXX XXXX XXXX, aged XXXX, XXXX but high functioning. I still have guardianship & conservatorship. I set up a student checking account with NO overdraft for XXXX at BB & T, my bank for over 15 years. On XX/XX/2019 XXXX received a snapchat from someone claiming to be from the Secure Checking Network center in XXXX, XX/XX/XXXX, offering money to be deposited into his account. A scam obviously to you and I, but NOT to XXXX which is why I set what I thought to be reasonable restrictions on the account. On XX/XX/XXXX a mobile 'deposit ' of {$1800.00} and on XX/XX/XXXX mobile 'deposit ' of {$3100.00} were made into XXXX 's account. Apparently BB & T gave full credit to these deposits without verification because on XXXX all that money and more made its way out of the account as out of state transactions. At the same time XXXX was using that ATM in XX/XX/XXXX for incidental purchases at XXXX XXXX XXXX and XXXX XXXX It seems the bank had several " last clear chances '' to detect this fraud ; noting that XXXX rarely had more than his part-time weekly paycheck of < {$270.00} in his account at any given time. It would seem their contributory negligence far out ways any errors made by XXXX. He has not shown any fiscal or proprietary gain from these transactions. Yet BB & T, rather than try to ascertain the details of the fraud, directed XXXX, and by association me the parent account holder to take out a loan to pay the bank back over {$3500.00} stolen from THEM, not us. Forfeiting XXXX 's account, likely less than {$30.00} at the time, is a given. But to hold us responsible for the amounts claimed on this fraud is onerous and downright unconscionable.

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 2023-04-11
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 is missing that should be on the report

Complaint:
Account XXXX XXXX  XXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize these credit inquiries to be pulled.

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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX failed to respond to inquiry within 30 days and is attempting to collect incorrect amount.

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