BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( 1 ) I have already complained 10 times that Select Portfolio Servicing ( SPS ) does not deliver any Mortgage Payment Statement Mortgage Payment Statement on time. XX/XX/2020 Mortgage Payment Statement arrived from Select Portfolio Servicing ( SPS ) on XX/XX/2020. Select Portfolio Servicing ( SPS ) does this on purpose to collect illegally {$15.00} for paying on their website or via phone. THIS IS AN ILLEGAL AND FRAUDULENT ACTOR. How am I supposed to pay my mortgage on time via my banks own bill payment, if the? On XX/XX/2020 I had to pay XX/XX/2020 mortgage payment via Select Portfolio Servicing ( SPS ) s website ( see attached ), as my bank could not process my Mortgage Payment via my banks Bill Pay before XX/XX/2020. 

( 2 ) Besides, constant Mortgage Payment Statement 's delayed delivery issue ; there is no ESCROW ACCOUNTING AS OF XX/XX/2020 UNDER RESPA. 

cc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
Transunion, XXXX  and XXXX  is reporting this repossession inaccurate on my credit report. First Transunion and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. Transunion and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

TU is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************EXPERIAN CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT EXPERIAN IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX   credit file. If XXXX  can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by Experian and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX Account # XXXX Balance : {$600.00} Date XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date OpenedXXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : 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 explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I've been a victim of identity theft in the past. Time past and I start seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contacted each of the bureaus. its been over 60 days and they have yet to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had purchased a shipping container from XXXX out of California on XX/XX/2019. The shipping container was supposed to be cargo worthy, wind and water tight. The container was rusted severely and leaking water. I tried to work things out with XXXX to have them pickup and replace the container. They were not willing to do anything for me except at 100 % my expense not taking any responsibility for what they had sold me.I finally had to contact my credit card company ( Capitol One ) to file a dispute claim for selling me a container that was damaged and defective. After several attempts trying to go through the dispute process, the Capitol One sided with XXXX that sold me the container. I had even had a 40 year government certified container inspector come out and verify that the container was not cargo worthy, wind or watertight. Capitol One is supposed to protect me against fraudulent charges in accordance with Visa 's and Master Card 's own guideline section 13.3 in there own manual. Capitol One has violated my protection rights for fraudulent charges along with defective merchandise and stuck me with a {$2500.00}. rusty shipping container. I had to buy another container from another company to store my furniture in while my home renovation was in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
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: Public record information inaccurate

Complaint:
ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY CHXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. Transunion, XXXX, as well as XXXX they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.

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 2020-11-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I Just my home in XX/XX/XXXX for XXXX. In XXXX we fell on hard times due to son being ill. We filed chapter XXXX in XXXX hit the lottery for XXXX XXXX paid all post and prepetition debts mortgage increased XXXX a month. Again in XXXX husband became ill fell behind on mortgage entered in a new chpt XXXX in XX/XX/XXXX decided to sell home principal balance was XXXX sold for XXXX recieved XXXX at closing PHH stated payoff was XXXX as of today I do not own the home they are still reporting delinquent still trying to foreclose and staying I owe XXXX although I have all documentation. PLEASE HELP

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: CT
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file DEPTEDXXXX XXXX Balance Owed : {$0.00}.

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 2021-09-27
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE BUREAUS at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX has been sending me collections notices in the amount of {$6600.00} the collection has been reported as past due. I DO NOT know this company. I have never done any business with this company. This company DOES NOT have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i opened an account with suntrust bank. i was asked to make a deposit, which i made a deposit of XXXX . they took it no problem about a week later i go to use my card and it declined. i called the bank and they said it was closed due to fraud. they said i will get a check in the mail. so skip to today i notice my employer sent my direct deposit to the bank of XXXX called the bank and they said its not closed it pending closure. which mean money can go in but no money can go out. they said once my account has no activity for 5 days they will then close the account they then take 15 days to close it and another 15 to send me a check. this is crazy we are in the middle of a pandemic and they want to hold people money for so long. any other bank would have told me up front that i couldn't open an account. and they will not tell me the fraudulent reason, which I never did any 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
FRCA XXXX credit line XXXX XXXXXXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief