BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Specialized Loan Servicing is the company : They cancelled my mortgage insurance on the loan that I pay to them on a monthly basis. They did not forewarn me of my policy being cancelled. Then they threaten to triple the rate on my new insurance that they have forced me to acquire as the company I was previously insured by did not meet their requirements for an A.M Best Rating of a B+ or better. 

Can they do this? I pay my insurance and taxes through my mortgage payment on a monthly basis. The told me that they could do it according to an article 5 that was part of my supposed mortgage through their company. When I requested a copy of Article 5, they said that they couldnt provide it. When I told them that they had purchased my mortgage from another company, so my original policy was the one that they had to follow, their customer service agent told me that they didnt have to. She also refused to provide me with a copy of the home insurance policy with whom they have me presently covered. My previous policy expired on XX/XX/2023. They refused payment but happily accepted my mortgage payment that includes funding for taxes and home owners insurance. Nevertheless, they said on XX/XX/2023 that I could look for an insurance of my own selection but it had to have a B+ rating or better. Well, I have been calling and its not easy to find an insurance company in California with this type of rating who will take me on as a new client. So I called my mortgage company back and asked how long was the grace period that they were allowing me to find a new insurance? The agent told me 30 days on XX/XX/XXXX, but they refused to provide a written confirmation of a 30 day grace period. Anyway when I received their letter on XX/XX/XXXX stating that I needed to look for a new insurance policy or they were going to provide it for me, they refused to help me look for companies with A.B. RATING OF A B+ or better. I asked for their legal department representative and they told me they dont have one. Hmmma company that doesnt have a legal department and refuses to send me a copy of the homeowners insurance policy that they have chosen for me appears questionable at best. I said so if something happens and I need to file for coverage, with whom do I speak? They could not provide a name of a contact person. When I asked for a pay off quote to be sent to my home, that request was also denied.

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 2022-12-08
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:
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. 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

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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 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX dispute department XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Account # XXXX XXXX Dear XXXX, I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 

I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report. 

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with Experian, and I expect a thorough investigation from both credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-04-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian is still reporting an old collection from XXXX XXXX for the amount of {$6100.00} that I disputed the validity. But, XXXX and XXXX has deleted the account due to their inability to properly verify it and also the fact that I am not liable for the debt due to the voluntarily returning the vehicle due to it being a lemon and beyond repair by the dealer eventhough it was a brand new car when bought, but it continued to have engine issues, etc. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should remove this account from my credit profile. 

Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the XXXX XXXX account is only being reported on Experian. This debt being unfairly reported is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. 

Please help get this XXXX XXXX rightfully removed from my Experian credit profile. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : XXXX XXXX Account Number : 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 2023-10-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about XXXX  day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE

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 2020-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a 2016 about 2 to 3 years ago and still paying a high monthly payment with a high balance. If I can continue to pay, i would have paid for this used car twice due to high interest rate. This is very unfair and needs to be stopped. When I purchsed the car it had about XXXX  miles and i was in a Chapter XXXX and was not to exceed XXXX dollars. They sold me the car for abouyXXXX and added XXXX in interest. This is so very unfair. I have been struggling to pay XXXX monthly for the last several years and I have fallen behind due to lack of work and a lack of finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I have paid off my XXXX XXXX XXXX XXXX loan and being request for this item to be removed from my credit report, which they informed me that it will be removed and it still havent being removed. Please am asking for this item to be removed. 
XX/XX/2021 ACCOUNT # 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following information on the attached document is not any transactions related to me. This is a 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 non-monetary relief
Consumer complaint received 2022-11-27
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: 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. 

Account name : # XXXX XXXX, Account number : # XXXX, Account name # XXXX  XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name XXXX XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXXXXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX  Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: FORD MOTOR CREDIT CO.
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:
In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from Ford Credit on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: ALLY FINANCIAL 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:
Per  XXXX  this account in on my credit report. It is connecting to a name that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: NJ
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 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 2023-01-08
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
At the end of XXXX I received my tax statement in the amount of XXXX I called the XXXX XXXX XXXX XXXX in South Carolina to inform them that their assessment was incorrect., the office corrected the issue and sent a corrected copy of XXXX which I forward to Freedom Mortgage on XX/XX/XXXX. According to my mortgage statement that was due XX/XX/XXXX I had an escrow of XXXX. I received a escrow check in the amount of XXXX which was returned voided back to Freedom Mortgage. For my XXXX statement was due for XX/XX/XXXX my escrow was XXXX I then called Freedom mortgage and asked the why did they send the incorrect amount to my county tax office when the corrected copy was sent on the XXXX of XXXX the answer that I got was " The company sent over a million dollars  out to pay customer escrow taxes on XX/XX/XXXX '' I responded that they had plenty of time to correct the error and I wanted it fix I have insurance due as well. I was told that they are working on it I called back and the issue was not fixed I spoke with a supervisor named XXXX that admitted that the company was in error and that my county has all the money and they are waiting for the county to return the unused portion which could take up to 90 days I called my tax office and I was told " The tax office only accepted the XXXX.and that XXXX  which is the finance institute that does the distributing of funds for the company has the excess monies. so that mean the company has their monies. I " m paying this company back a negative escrow on money that they have. So in all retrospect they have their money and is keeping my escrow account hostage for ransom. That is beyond criminal.

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 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, Capital One Account and XXXX XXXX account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2017-05-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX   address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX    XXXX    XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    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 2023-01-08
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
okay starting on XX/XX/XXXX, i was arrested for an old probation violation. I did not get out of the jail until XX/XX/XXXX. While I was locked up a female that i had let stay at my home that i paid for or rented rather from a family member. broke into my room stole my information and made and received transactions on my account i knew that i had money coming from my income taxes i did give her access to my phone but she had no right to get my debit card or do anything other than what i told her to do on my phone she stole all of my money that was deposited from those months of child tax credit and tax money that deposited she made over XXXX dollars in tranactionds. I provided chime with the proof that they needed in everyway plus some and was even told after the first complaint was filed and dednied to rebuttle it because it was a mistake. I then filed a second time and again got denied I have talked to over 60 people on different occasions. in one day i was on the phone with chime being transfered around over 4 hours of explaining over and over and still got no where. they clIM THEIR IS NO ONE HIGHER UP IN THE CHAIN OF COMMAND THAN THE OTHER. They are very rude got hung up on a few times and now they have closed my account while its pending investigation. I just contacted them once again and got nno where tol me to go to XXXX. This is scary and they have no problem with it also I had this account for five years maybe 6 and the other time i had didputed something cause i left my debit card on the register at a department store it got used during the middle of the night and drained and they didnt dio anything but one of those three transactions. they are not what they should be representing them selves to be.

Company response to consumer: Closed with explanation