BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Why did NewRez LLC Shellpoint  transfer a loan into my name on XX/XX/XXXX when I was not the owner of the real estate? 
Details as follows : On XX/XX/XXXX, NewRez LLC dba Shellpoint  transferred their loan # XXXX, in the amount of {$380000.00} for real estate at XXXX XXXX XXXX XXXX, XXXX, CA, into my name when I was not the owner of the real estate nor was I the mortgage holder. My ownership of this real estate ended on XX/XX/XXXX and the XXXX loan # XXXX for {$380000.00} for the same real estate was satisfied in full to a XXXX   balance under my name on XX/XX/XXXX. ( See the 1099 for XXXX that XXXX sent as legal documentation. ) Why did NewRez LLC Shellpoint  transfer a loan into my name on XX/XX/XXXX when I was not the owner of the real estate, and my loan for the same amount for the same real estate was satisfied in full XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Received an alert from XXXX XXXX XXXX of a new inquiry in my credit report. Simultaneously received XXXX alert and an alert from the issuing company to verify my email address. 

Called the issuing company and notified them of the fraudulent transaction as I have never used XXXX XXXX XXXX in the past several years and I do not have any account with them currently. Also called XXXX XXXXXXXX XXXX and spoke to the Transunion rep and notified them of the same. They also asked me to lodge a police report and/or FTC report for this. The official police report was lodged with XXXX Police Department and is given the number : XXXX by officer XXXX XXXX badge XXXX. 

I am now also filing this report with FTC via consumer finance.gov.

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 2023-11-14
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: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 explanation
Consumer complaint received 2023-04-21
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As indicated in the earlier complaint on XX/XX/XXXX I came out of forbearance due to Covid. Since then, I have made monthly payments to Specialized Loan Servicing ( SLS ) of {$3400.00}. In XXXX payments of {$3400.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In response to my earlier complaint SLS reported that on XX/XX/XXXX deferral was processed and the account was current. 

3 weeks ago, I was notified that my credit rating was reduced from XXXX to XXXX due to late and missed mortgage payments to SLS. The SLS message center claimed that my account was past due. I sent SLS the canceled checks showing that payments have been made and ask for a correction of the credit report. 

A XX/XX/XXXX SLS Message claims my XXXX payments have been late and that I owe {$15000.00}. I sent SLS copies of all 12 canceled SLS checks each for {$3400.00} for XXXX. As indicated with the checks, I have always made payments on or about the XXXX of each month, which was my due date. 

During XXXX I have received no indication or any reporting from SLS that my payments were up to 57 days late and that I was accruing delinquent late fees. The only correspondence from SLS was 6 notices of Intent to Foreclose ( XXXX, XXXX, XXXX and XXXX, XX/XX/XXXX and XX/XX/XXXX ). In addition, SLS has not provided a XXXX Form 1098 Mortgage Interest Statement. 

In XXXX payments of {$3400.00} have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a payment was mailed on XX/XX/XXXX. 

Since I have received zero monthly statements from SLS for XXXX, XXXX and XXXX I requested then in writing on XX/XX/XXXX, which I received this week. The provided XX/XX/XXXX Mortgage Statement claims I owe {$16000.00} due to late fees and missed payments. 

If required, I can provide copies of all canceled checks that SLS has cashed. 

Thank-you for your attention to this matter.

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 2022-03-05
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Team Recovery Inc off in XX/XX/2022 which was received by them by XX/XX/XXXX. I did not get a 30 day response back to validate the {$730.00} they say I owe in medical debt. It is now XX/XX/2022 and I still have not received anything back in the mail that I check daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY 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 2020-04-08
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has contacted me about a debt that I do not owe. I spoke with the company on the phone on XX/XX/2020. I have requested that Credit Collection Services remove this information from my credit report. The company has not provided any proof to validate the debt, and when I asked for information in writing -- I was told that it could not be provided and that I would have to rely on the representations made on their website. According to the Fair Debt Collection Practices Act, I have a right to request information in writing. Their refusal to provide information in writing has made it difficult to settle this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Account status incorrect

Complaint:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened and online checking account on XX/XX/2022 with Wells Fargo. 
I've have a XXXX  account where my direct deposit from my job with USPS goes to, so I connected the XXXX  account to the Wells Fargo account using plaid. 
It went through and I made a transfer. 
I also had my XXXX drop shipping account attached to my Wells Fargo account. 
Wells Fargo kept taking {$9.00} from the account every month for " handling fees ''. 
I soon got a notification that my account was going to be closed. 
I also had my Wells Fargo account connected to my Uphold XXXX account which I set up to receive my earnings from XXXX. 
Wells Fargo ended up closing my account stating that their was ID theft when I had not reported such. 
They told me only that I could reopen the account and didn't give me details on why it was closed. 
I spoke to a representative at the time before it closed to stop it from being closed and she said that she knew why but couldn't disclose to me why it was being closed.

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 2023-02-11
Company: EQUIFAX, 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. 

XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CT
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fait Credit Reporting act XXXX account XXXX XXXX XXXX, XXXX, XXXX XXXX  ( XXXX, XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

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 2018-09-17
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle in XX/XX/2014 through GM Financial. I received my first bill in XX/XX/2014 with a due date of XX/XX/2014. I made my payment timely but was then contacted and told my account was delinquent and I had a payment due on XX/XX/2014, and the XX/XX/2014, was my second payment due. I contacted GM Financial and explained to them that I never received a bill for XX/XX/2014 and the XX/XX/2014 was the first one I received which I paid on time. They told me I was delinquent and had to pay the XXXX payment. I told them it was not my error but theirs and I intended to make my payments on time starting with the one I just made and that they should just consider that Payment 1 since that was the first one they billed  me for. They insisted I make the XXXX payment. I told them if I could pay a double payment I'd have bought a more expensive car. I made 3 phone calls trying to resolve this and spoke to supervisors but I got the same response. They insisted I make the payment even though it was their mistake. I finally sent them a letter saying I would continue making my payments timely but I could not and would not make the payment they failed to bill me for. I have now made my 60 payments, every one of them on time, and they still have a balance due because they charged me a late fee every month plus interest. They have also now reported it as late to my credit reports, which they did not do until I made all of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$880.00} 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 2022-05-05
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:
I have tired to fix this with the credit bureau, but have not got any where with XXXX, or XXXX, Equifax. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY EQUIFAX : Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXXg XXXX XXXX XXXX CT XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 am writing this due to non-compliance with KOHL 'S. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a new vehicle in XXXX of 2022 financed through Chase auto finance and had automatic payments set up when I initiated the loan on the car through my bank at XXXX. 
In XXXX of 2022 my mother made a payment on my account for me and at that time a customer rep from Chase without my knowledge or permission canceled my automatic payments coming out of XXXX and changed the banking information for payments from my bank to my mother 's bank. 
Unbeknownst to me after that my payments were not being made because my mom 's account was used for other bills. I will concede it was irresponsible of me not to check my statements but since I had automatic payments in place really didn't even think it was necessary so I own that fault. 
However ; the stopping of my payments and the changing of the account information was all on the finance company. 
Then on the XXXX of XXXX, my vehicle was repossessed so I logged into my online account and saw that I was in arrears I contacted Chase to bring my account current which they refused to let me do, and as I was speaking with the rep from the department responsible for the account they deleted my account information as I was speaking to her so I had no access to any of the account information any longer. 
After that, she told me that I would have to pay the full balance on the loan of XXXX to get my vehicle back. 

All I wanted was to bring my account current and get my vehicle back and continue with my original arrangement before they went and changed everything on me without my knowledge or permission. 

I don't think they are allowed to delete account information either since that was the only way I had any of the details necessary to contact an attorney to assist me with this. 

I don't know what I am supposed to do at this point so I wanted to file a formal complaint against them for unfairly treating me with respect to this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).

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 2020-04-08
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:
This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation