BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The intention for anyone enrolling into a Mortgage Relief payment initially is, so they dont have to make any mortgage payments temporarily, not so they would have to pay out of their own pocket. I originally informed Specialized Loan Servicing, LLC ( hereinafter referred to as SLS ) about my application, and SLS threatened that they would accelerate filing a delinquency notice against me unless I paid the XXXX & XXXXXXXX XXXX monthly mortgage payments. 

SLS claimed that as long as those payments were made first while my mortgage relief application is pending, they would leave me be. The XXXX Debt Collection Department also stated that once the Mortgage Relief funds were applied to my loan, XXXX would automatically apply the payments I made for the XXXX and XX/XX/XXXX mortgage payments towards XXXX and XX/XX/XXXX instead. That would have resulted in a good standing with SLS and also would bring my loan current. 

It didnt seem like I had a choice, so I went ahead and made the 2 payments.

I was finally approved by the California Mortgage Relief Program to cover my mortgage payments. However, SLS did not ask for the Mortgage Relief Program to include the 2 I had paid while my application was pending. I tried to contact SLS several times regarding this issue, but I couldnt reach them. SLS avoided communication, so inevitably I couldnt implore them to seek the additional funds for the two months.

I managed to reach out to the SLS Escalation Team regarding this issue. Sadly, they said they are not the department that can authorize a decision. 

Even though I followed SLS instructions and paid out of my own pocket, SLS filed a negative report to the 3 credit bureaus while my CA Mortgage Relief was pending approval.

SLS took advantage of my situation and their claims turned out to be a sham. As a loan servicer company, this tactic should be deemed unlawful. I did not make those 2 earlier payments on my own volition, I was forced into it and got unfairly reprimanded.

I made numerous attempts to contact them and resolve this issue, but since SLS technically was now paid in full, they no longer cared to respond back. They dont want to be bothered on how the funds are received, as long as the payments are in their hands. 

In the end, I had their escalation team email to their back office more than three times in a two-month span. I was transferred to their HAF Dept. and left nearly 16 voicemails at ( XXXX ) XXXX, extension XXXX. I was directed to their Loss Mitigation Dept - ( XXXX ) XXXX, however, resulting in neither any call backs nor emails.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX CARD, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX CO, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference

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 2023-09-24
Company: Experian Information Solutions Inc.
State: NY
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-10-06
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding my persistent and unsuccessful attempts to have late open accounts corrected on my credit report with Credit Bureaus. These inaccuracies have had a significant adverse impact on my financial well-being and creditworthiness. 

I first noticed these discrepancies on my credit report dated, and since then, I have made multiple attempts to have these inaccuracies corrected. I have communicated with your agency on the following dates : I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my best efforts, the late open accounts remain uncorrected. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly highlighting the late open accounts. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of accurate account opening dates, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have had a direct and detrimental impact on my ability to secure credit, employment, and other financial opportunities. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and regular updates on the progress of the investigation. Kindly assist me to correct the following accounts in my credit report : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Account status incorrect

Complaint:
company has placed an account on my credit report when in fact it is a closed account. 
The company XXXX XXXX has made me lost 40 points from my credit profile. The have deliberately place CLOSED account on my credit profile and they also has placed the account as OPEN AND LATE! account was closed in 2018 with XXXX balance. They have fraudulently placed an open account with a negative balance of - {$260.00}. 
I have NEVER request any new credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Please refer to attached documentation for details of inaccuracies reporting by Chexsystem and closed bank 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-07-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Checking account statement in the mail from TD Bank. Someone fraudulently opened an account in my name on XX/XX/23. No transactions have been made in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: TekCollect Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only was the debt collector i did speak with abusivive, harrassing and rude, but there is a specific phone call i am referring to. XX/XX/2020 the debt collector was abusive and inferred me being a child after telling him this was not my debt, was condescending and rude. 
XXXX XXXX also decided to call me frequently during work hours after i disclosed not to. XX/XX/XXXX. And i was never given written notification or phone information to dispute the debt within 30 days. XXXX XXXX is with tekcollect. His extension is XXXX. I was harrassed into paying off half of the debt. They would not give me phone call logs from these dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: General Motors Financial Company, 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:
GM Financial has not reported my payments since XX/XX/2017 and I pay every month on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

ATTYGENERL Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from Unknown with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXXollection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXX XXXXXXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-06
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
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 consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. 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 2021-01-07
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2022-04-26
Company: EQUIFAX, INC.
State: IL
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 lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please remove this account that keeps deleting and place back on my credit report. 
XXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Franklin Collection Service, 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: Account information incorrect

Complaint:
Saw new charge in my account from XXXX XXXX reported by Franklin charge {$120.00} that was placed in my report when ask they say it was debt on XX/XX/XXXX the had place as new account openedXX/XX/XXXX I have no knowledge of {$120.00} with debt that was suppose to have been from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by someone proporting to represent XXXX XXXX patrol. oferring me a chane o collect XXXX XXXX dollar prize. they asked first for {$25.00} delivery fee for the XXXX agent and then {$150.00} fee to ensure the prize package. Stupidly, I paidboth fees through PayPal. I called Paypal to cancel the transactions but they were already sent. thewir suggestion was to contact the recipient to ask for return of my money. As if a scammer would do that.i would haver preferred that paypal as for the name of the recipoient and question all transactions sent to that account.FYI the suspected scammer was XXXX XXXX XXXX if you are swend money to thisindividual, beware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See document attached

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 2023-06-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Owned home since 2020 my mortgage was sold to current mortgage company and my payment went up XXXX. Tried to talk with mortgage about the increase in payment I was told my taxes increase and home owners increased and my flood insurance increased. Talk to my home owners about the increase it has not increase talk to the flood insurance company about the increase it has not increase looked at my taxes they have not increased. My escrow went from XXXX a month to XXXX a month Carrington mortgage has not provided any information or have I agreed to and increased escrow. Carrington has not made any effort to explain why the increase and it impossible to get a direct answer. I would like to make formal complaint about Carrington Mortgage

Company response to consumer: Closed with explanation