BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
After receiving a XXXX insurance settlement check from XXXX XXXX in the amount of {$41000.00}, I contacted Select Portfolio Servicing for the payoff of my mortgage. On XX/XX/XXXX I received by mail a payoff quote in the amount of {$25000.00} that would expire on XX/XX/XXXX. I contacted the company that day inquiring the process of getting the check endorsed to payoff my mortgage and the 3rd party insurance adjuster also on the check. Was told we had to get the 3rd party to endorse the check as well as myself and send it to them. I offered to send a bank check if they would endorse the check, but they refused. On XXXX XXXX, XXXX I drove XXXX XXXX way from XXXX  XXXX XXXX  to the XXXX XXXX  area for the endorsement of the insurance adjuster. I had to post date a personal check XX/XX/XXXX, for their payment which they would cash once SPS returned the proceeds after payoff. I contacted SPS once again about enorsing the check so I could send them a bank check which they again refused. On XX/XX/XXXX, I received yet another payoff now in the amount of {$26000.00}. I followed their protocol on XX/XX/XXXX, by overnighting the XXXX check, along with, the documents they required : a letter of request to pay off the mortgage and the new pay off quote, which they received and signed for on XX/XX/XXXX mid afternoon. On XX/XX/XXXX task was opened, on XX/XX/XXXX Loss claims submitted to documents and check to the payoff department where the check has been sitting since XX/XX/XXXX. After calling every couple of days, not XXXX single person can explain why the payoff hasn't taken place. Every person says it is pending, though several have stated they submitted an " expedite order '' for payoff. On XX/XX/XXXX, it is my understanding that " XXXX '' noticed that the XX/XX/XXXX payoff quote expired and an new one had to be sent to me which I received a week later in the amount of {$27000.00} and expires in XXXX  days, XX/XX/XXXX. My post dated check to the 3rd party on the XXXX settlement check is now more than 60 days beyond. On XX/XX/XXXX, I received a now escrow payment schedule where my monthly payment will go up from {$480.00} to {$730.00} due to homeowners insurance increase since XXXX  XXXX. I had found another Insurance company to cover my homeowners insurance at 3rd the cost back in XXXX ( why requested to payoff amount in XXXX ) but was unable to act on it because of my property still having this " open claim '' which should have been closed back in XXXX. It is now XXXX so I'm sure that rate quoted me is no longer effective. After speaking with XXXX different people today, XX/XX/XXXX with SPS, my insurance claim check is still sitting in " restricted escrow pending ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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:
i am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.

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 2023-06-29
Company: Bread Financial Holdings, 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:
Comenity Bank / Victoria poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX 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 XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( Experian XXXX XXXX XXXXXX/XX/XXXX ) ( Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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.

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 2023-06-29
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive reached out to Equifax four different times, I sent letters also sent faxes to the number XXXX as they told me too. I also explain to them, That I am a victim of identity theft, They keep on brushing me off, basically explaining to me that they can not do nothing for me. They definitely receive the letters. This is the letter that I sent to them. They still want do nothing about it. 


My full name is XXXXXXXX XXXX XXXXXXXX XXXX Fraud Alert # XXXX My last 4 of my social is XXXX My current address is XXXX XXXX XXXX XXXX  # XXXX XXXX, California XXXX I currently work for XXXX XXXX this is How it should look on my credit report. 

Dear Equifax, This is my second time reaching out to you. I already sent you police report and ftc report number, proof of address, Plus fraud alert number XXXX. 
It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for the inquiries that I listed below with dates are fraud, Do to identify theft, Im a victim of identity theft I never gave my consent for all inquiries listed below that was made. Please met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, Can you please remove them from my credit report or rescind the errant notation immediately. Sincerely, XXXX XXXX Im a victim of identity theft my information up top on this page is how it should look on my credit report. Can you fix my credit report please. 
These are The inquiries that are fraudulent. I label them from one through 4 below I did not give my consent for these four inquiries that was made on my credit report. Do to the Fair Consumer Report Credit Act. The inquiries below are fraudulent do to Identify theft. Can you please remove them from my credit report immediately .Thank you. 

Sincerely, XXXX XXXX XXXX ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry.Its do to identity theft, Can you please remove it from my credit report immediately.Thank you.

2 ) XXXX XXXX XXXXThe date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry, Its do to identity theft. Can you please remove it from my credit report immediately. Thank you. 

3 ) XXXX XXXX XXXXXXXX. The date of inquiry is XX/XX/XXXX. Its fraud, I did not give my consent for this inquiry, Its do to identify theft can you please remove it from my credit report immediately.Thank you. 

4 ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX, Its fraud, I did not give my consent for this inquiry. Its do to identity theft can you please remove it from my credit report Immediately. Thank you Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$41000.00}.

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 2023-01-23
Company: EQUIFAX, INC.
State: TX
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.

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.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
After requesting my credit report from Transunion, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from Transunion when login in to my account. It stated that " I previously resolved XXXX disputes with " Transunion '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX XXXX deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXXn ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against Transunion, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to fraud!

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 2020-09-28
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency, Capio Partners has called multiple times. Their client is XXXX XXXX XXXX XXXX. On the first call, I advised them that this debt had been paid by my son 's insurance, and I had just finished another dispute with another collection agency the said the hospital had made a billing error. The man was rude, said he would mark it as disputed, but nothing would really happen, I needed to pay it. I asked for a fax number or address to send proof of the hospital 's error, and he refused. He said I would get a letter, which I never did. I explained ( just like my prior dispute ) that this was not my debt, I had never signed my son into that hospital as I was not there, he never saw a doctor, and the hospital had been given his insurance information several times. 
He said their office just received the debt, so I had to pay it. I asked him to verify the debt with them, as they had just admitted their billing error with a different agency, and he said he absolutely would not. I advised him the governor had put a hold on collection activities due to COVID, but advise me where to send proof it was not a valid debt and I would do so for their records. I also asked that they not call me again regarding this matter. 
They have called me multiple times since, did not provide any written communication, and immediately reported the debt on my credit file ( the same day, XX/XX/XXXX ), all violations of my very specific requests and rights. More disturbing, it was a direct violation of a government order since the governor had suspended all collection activity during these trying financial times. Additionally, it is incomprehensible to me that a physician would charge {$1300.00} when they never saw the patient, especially when the patient was brought in by ambulance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift 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 isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
These account listed in the affidavit attached are fraud and shall be removed and blocked within 4 days of this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to these accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager XXXX  states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American XXXX  XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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