BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC ( SLS ), owned by an Australian-based company, XXXX, conducted a non-judicial foreclosure sale on my property on XX/XX/XXXX during a forbearance agreement and could not validate if the loan was in default at the time of the nonjudicial foreclosure sale, rescinded the non-judicial foreclosure sale due in part to a complaint filed with the CFPB ( case number XXXX ), and offered a loan modification in XXXX. However, SLS, the servicer and debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ), and the lender, XXXX XXXX  XXXX XXXX XXXX, as indenture Trustee, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) have not validated the loan balance as requested by Real Estate Settlement Procedures Act ( RESPA ) Qualified Written Request Letter ( QWR ) - Request for Information and Notice of Error pursuant to Section 6 ( 12 U.S.C. 2605 ) despite signing an affidavit under oath in XX/XX/XXXX that the mortgage loan balance is accurate. On XX/XX/XXXX a QWR letter was sent to SLS and a SLS representative verified in a call on XX/XX/XXXX that they did not completely validate the accuracy of the mortgage loan balance from the prior servicer ( s ) in their response as required by CFPD debt violation procedures. On XX/XX/XXXX a second QWR letter was sent to SLS per their request during a conversation on XX/XX/XXXX which is a violation of RESPA Section 6 since they should have validated the mortgage loan balance within 30 days from the XX/XX/XXXX QWR letter or stop collecting loan payments until the error could be addressed. I requested that they stop collecting monthly mortgage payments until they verify the accuracy of the mortgage balance and they did not. I believe that the current mortgage loan balance is well overstated and is causing me financial harm. Also, XXXX can not verify if my mortgage loan is included in the Trust ( i.e, XXXX XXXX XXXX XXXX Callable Mortgage-Backed Notes, XXXX XXXX ) which is in violation of New York Trust Law, SEC regulations and IRS regulations. A XXXX executive signed under oath that my mortgage loan is included in the Trust, but have not been able to provide any evidence. In additional to the violation of RESPA and FDCPA requirements, I believe that SLS and XXXX are in violation of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act by filing a false and misleading affidavit. They should be able to prove the loan balance owed and prove that the loan is indeed in the Trust. I believe that SLS and XXXX are engaged in unfair, deceptive or abusive acts or practices that violate federal consumer financial laws.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: OK
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:
All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX XXXX  Account number : XXXX ( In accurate payment history ) XXXX  XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXX  ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX  XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX  XXXX  XXXX/ XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by Experian and XXXX must be XXXX because they are reporting inaccurate information.

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 2023-11-14
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I XXXX XXXX attempted to pay my student loan on XXXX XXXX for XXXX which would have paid off one of my student loans. I waited for the money to be taken out of my account, and it even said processing, but then the payment said payment reversal, and the money was never taken out of my account. After this, I sent EDfinancial an email explaining the situation and letting them know I would try again and wait for the response and if I did not hear back from them or if my payment got reversed again, I would be reaching out to you guys. I attempted to pay my student loan again on XX/XX/XXXX for the same amount. This time the payment went all the way through and said received however, I looked at my account, and the money had not been removed and then upon looking at my student loan account today the loan is back on my account and says I still owe money and the money is still in my bank account. The minimum balance was e accepted on one of my loans, so only part of what I submitted was received, but the rest of my payment was reversed.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX these accounts are reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors 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 non-monetary relief
Consumer complaint received 2020-04-15
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to say that I owe on a military loan that I took out in 2017 from a place called XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX buys bankruptcy claims, according to their website, and I have NEVER filed for bankruptcy. Two, any military personal loans that I have gotten was from a different company and showed paid off in full on my credit report. I have never received any sort of communication from this company, just that I showed up on my credit report a few weeks back. I disputed it and it did not get removed. I am in the process of reaching out to XXXX XXXX XXXX to get some type of paperwork that will prove I have never had an account with them and submit it with my dispute. I was working on trying to get my credit score up in order to purchase a home and this company has really hurt my score. I will NOT pay a debt that is not owed. Also, if what they are saying is true, then why did it JUST hit my account, even though it's never been on there from the other company or them. This company may be a legitimate company but they are trying to commit fraud and collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2021-10-29
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: Information belongs to someone else

Complaint:
he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim

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 2023-08-02
Company: EQUIFAX, INC.
State: IL
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:
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 USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX XXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 

15 USC 1681 section 602 states that I have a right to privacy.

15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 USC 1681 s-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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Turning Point Solutions LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX @ XXXX I received an email from Advanced Capital Solutions in regards to an attempt to collect a debt. The original furnisher list is XXXX. As of XX/XX/XXXX I am officially disputing this debt. 

I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX. The account number for this debt listed in the email is XXXX. Reference number XXXX. 

I am disputing this debt because I do not believe that I owe it. I have never received any documentation from XXXX regarding this debt, and I do not recall ever having an account with them. 

Furthermore, I have never signed an agreement for my information to be shared or sold to Advanced Capital Solutions, nor do I have a contract with Advanced Capital Solutions. This is a direct violation of my consumer rights cited by the FDCPA. 

I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to XXXX, or to Advanced Capital Solutions. This must be written, original documentation, not electronic forms or scans. 

I am also requesting, as I have not consented, that you not report this debt to the credit bureaus while the dispute is pending. At the bottom of the email it stated : " IF YOU LIVE IN KANSAS THIS APPLIES TO YOU : An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation. If your debt is past the statute of limitations, you are hereby notified of the following important consumer information : The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt. '' Please be advised I never consented for Advanced Capital Solutions to pull my credit, nor do I live in Kansas. If my credit report has been pulled, please note I never consented to it and was done illegally. I will be verifying this with all 3 consumer reporting agencies. 

I am requesting Advanced Capital Solutions cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request Advanced Capital Solutions cease and desist all attempts to collect this debt further. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Freedom Mortgage Company
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2020-04-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$1300.00} by XXXX XXXX for a flight. I have never ever even heard of this company. I contacted chase to inform them that I did not make or authorize this transaction i did not travel that year and did not have plans to! The worst part about it is i dont possess a passport to travel in the first place. They said they understood and would reverse the transaction that no other thing would be needed on my part. Then without notice i was recharged for it this week with no explanation and hung up calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I paid and notified BSI of our homeowners insurance renewal. XXXX contacted BSI directly, I faxed it over. 
We received a letter in XXXX stating we didnt have proof of coverage even though we sent it. 
I called again in XXXX, upload the XXXX policy showing proof of coverage. 
Theyre still denying that we have proof. When I call and ask if the paperwork is what theyre looking for, they say yes it shows proof, yet theyre still denying it

Company response to consumer: Closed with explanation