BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( SLS ) informing me that I was in default of my HELOC loan and risk of foreclosure. I had not heard from SLS since XX/XX/XXXX when the loan was assigned to them. During this time I have not received monthly statements or any type of demand for payment until XX/XX/XXXX. In XX/XX/XXXX, I submitted a request for mortgage assistance from SLS and had not heard back with an outcome from them. On XX/XX/XXXX, since I had not heard back from SLS I sent them a letter offering to enter into a settlement agreement, I offered {$2500.00} to have the Deed of Trust securing the debt released ( full reconveyance ). Then on XX/XX/XXXX, I received a " Mortgage Relief Option '' on XX/XX/XXXX. I immediately contacted SLS to discuss the terms of the relief option, I asked why they listed an amount of {$60000.00} to be repaid vs. the reported balance owed in the amount of {$41000.00}. When I contacted SLS no one could give me an explanation of the sum. On XX/XX/XXXX, I wrote to SLS and requested they provide a breakdown of the {$60000.00} and what legal rights they have to collect on this debt, six years have gone by and I have not received a monthly statement or demand for payment. 

In XX/XX/XXXX, my husband and I filed for BK. Ch. XXXX which resulted in a discharge of debt. 

I have concerns as to why did SLS waited six years to make an attempt to collect on this debt, why I haven't received a monthly statement from SLS, can SLS collect interest on this debt from date they acquired loan ( XX/XX/XXXX to now ), is SLS targeting properties that now have equity in order to foreclose, how many homeowners have been threatened or are at risk of foreclosure by SLS ' deceptive collection tactic. SLS stopped all attempts to collect on debt until the property had equity. 

I have not heard from SLS since XX/XX/XXXX to now. No statements, no demand for payment. How can they collect interest for past six years without any notification to the borrowers. 

I believe that SLS collection practices are abusive and violate TILA and FDCPA.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account No XXXX XXXX. Late payment history XXXX XXXX XX/XX/2017 XXXX. Account XXXX XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2018-03-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase foreclosed on my home illegally while dual tracking claiming repeatedly they had no interest in the home they were a servicer that had transferred the servicing to another company. They then had my home sold at Auction and purchased it for {$500.00}, when I called their Executive offices they told me '' WE CAN PURCHASE A HOME FOR WHATEVER WE WANT YOU SHOULD HAVE PAID YOUR MORTGAGE '' They took the home through eviction then turned around and listed it for {$140000.00} not even 3 weeks later. So they got paid through insurance for the mortgage as a bad debt wrote off the debt bought the home for {$500.00} then are reselling it for {$140000.00} more and still trying to collect on the original {$120000.00} loan as an outstanding debt. 

HOW DOES A SUPREME COURT JUDGE ALLOW THIS TO HAPPEN HOW ARE THE BANKS ALLOWED TO GET AWAY WITH THIS ESPECIALLY WHEN THE FORECLOSURE WAS NEVER DONE PROPERLY TO BEGIN WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
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: Old information reappears or never goes away

Complaint:
My husband and I are currently trying to refinance our homes. Through the process, we realized that our credit scores are lower with Equifax and XXXX. A mortgage company notified us that one of the " key factor '' for our lower scores was that we had " Serious Delinquency ''. We obtained copies of our credit histories with both companies. Our credit histories indicate that all our accounts are 'Paid as Agreed '. We tried reaching out to Equifax and XXXX  multiple times via phone and on-line. However, we were not able to reach anyone that could help us. We can submit disputes on-line but are limited on what we can dispute. 

Since we are not able to contact Equifax and XXXX  to request that they look into the inaccurate reporting of our credit scores, we are unable to get better mortgage rates and lower fees to refinance. We need to be able to do this to lower our payments, stay current on all our obligations and send our XXXX  to college. Anything you can do to help us reach them and resolve this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: MI
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:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX  - XXXX XXXX  - XXXX  XXXX Experian - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In response to my complaint XXXX, TUI has issued me my credit report ( file number : XXXX ) free of cost and advised me to buy my credit score in that. I bought my credit score and grade by paying asked price. But my credit score and grade is misleading as it contains incorrect information. The reasons being that this credit report and hence score, does NOT show my past home loan mortgage account, does NOT show my various credit cards like XXXX, XXXX etc accounts, the longest held credit account is more than two decades old but still report hence score is complaining about insufficient credit history. XXXX has forcefully closed my account to malign my credit reports hence credit score as it is clearly evident for TUI case as it states NO open accounts on credit file. XXXX did NOT listen to me sympathetically in near past although I was never delinquent and late in paying my dues. So given all of this, I will make an earnest request to take up the matter with XXXX and reinstate my credit card account and further and more importantly it should find all the other relevant past accounts for myself credit cards, mortgage account and recompute my credit score for now and going forward. Thanks in anticipation. Further information will be provided on specific asking/s.

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 2023-03-18
Company: Experian Information Solutions 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 Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls 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 2018-08-21
Company: EQUIFAX, INC.
State: MI
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:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Equifax XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : Equifax - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AR
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2023 my burrow defense case has been approved and both loans STUDENT LOANS TOTALING {$14000.00} DEBT AND BOTH ACCOUNTS NEED TO REMOVED FROM MY CREDIT FILES AS THEY HAVE BEEN DISCHARGED. PLEASE CONTACT ME DIRECTLY IG YOU NEED EMAIL CONFIRMATION. PLEASE CONTACT FEDERAL STUDENT AID. AND REMOVE DEBT.

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 2018-05-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a large amount of private loans through Navient, in which originally began 10 years ago when I started my XXXX degree. I am currently finishing my XXXX XXXX, however ran out of " deferment period '' due to being in school too long. I have had to pay Navient a series of {$150.00} every three months to place my loans into forbearance status until I graduate with my second degree and am able to make the payments. My loans were set up to enter repayment on XX/XX/XXXX if I did not pay an additional {$150.00} to place them in forbearance for another three months. I called customer service on XX/XX/XXXX, spoke to customer service, paid the {$150.00}, and was emailed confirmation that the payment was successfully processed. However, Navient did not process the forbearance request and on XX/XX/XXXX, a total of {$590.00} was deducted from my checking account, causing my checking account to overdraw and leaving me with {$140.00} in overdraft fees ( a total of {$740.00} taken from my account, unauthorized ). I did not discover that Navient processed the payments until XX/XX/XXXX, and immediately called them where the representative refused to allow me to speak to a supervisor and simply stated that the forbearance was not processed the previous week as it was supposed to be, but she would do it immediately. I went through the motions of the questions to place the loans into forbearance again, and got the confirmation that it was successfully processed, again. The representative stated that the funds " should be '' returned to my account in 3-4 business days, however she could not verify if it would, in fact, be refunded. If it was not refunded, I could then call back and complete a refund request with a supervisor, but could not speak to a supervisor until that time. In addition, I provided them documentation that my checking account was overdrawn and I was charged {$37.00} for each loan ( 4 loans total ) as overdraft fees, totaling {$140.00}. The statement that I was provided from my bank had shown 3 of the 4 loans resulting in an overdrawn fee, and they placed the 4th fee on another payment that was made the same day that was authorized. Consequently, Navient would only pay {$110.00} of the overdraft fees and would not be processed in my account for 10-11 business days. Over the course of the past five years, I have had nothing but problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / 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 2022-11-24
Company: EQUIFAX, 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:
There are a lot of fraudulent information in my credit report. Examples are unauthorized inquiries and inaccurate or outdated accounts. This is damaging my credit and violates FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-05-31
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To Whom It May Concern, I am contacting you because I am being harassed by Comenity Bank. I have been getting calls after hours and they have Twice now called my father 's phone to try to talk to me! I have never given my father 's cell phone number or his house phone number to this bank, so how did they get these numbers? And it is ILLEGAL to call My father 's house and cell phone to try to locate me and in doing so it creates a breach of contract with me. I know so because it states this with the Fair Debt Collection Practice Act. 
I am getting calls before XXXX XXXX in the morning and calls up until XXXX almost XXXX at night from this bank and that is clear harassment. They are not allowed to call me before or after hours. 

This has been going on for a few months now the harassment.

Company response to consumer: Closed with non-monetary relief