BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  The short sale was started XX/XX/XXXX with SLS. On XX/XX/XXXX we were told the file was complete. 

On XX/XX/XXXX we were countered. On XX/XX/XXXX the buyer met their counter. 

On XX/XX/XXXX we were finally told that SLS had DONE NOTHING on the file and we had to start over. 

On XX/XX/XXXX we were told that the file was complete, was sent to the investor and we would have an update by XX/XX/XXXX. 

On XX/XX/XXXX they told us they had nothing done on the file and claimed they had 30 days more to work on the file. 

On XX/XX/XXXX we filed a CFPB complaint, to which SLS stated they did nothing wrong and too bad. ( See attached complaint and SLSs pathetic response. 

On XX/XX/XXXX we were told that it had passed MI review and was sent to the XXXX XXXX for decisioning. 

On XX/XX/XXXX we were told that XXXX XXXX is now requiring a higher net. NO EXPLANATION WAS GIVEN AS TO WHY THIS CHANGED SUDDENLY AND I CAN ONLY IMAGINE SLS WAS LYING WHEN THEY SAID THEY SENT IT TO XXXX XXXX PRIOR TO THIS. 

On XX/XX/XXXX the buyer accepted the new new counter offer and all docs were submitted. 

On XX/XX/XXXX we were told that SLS had to order YET ANOTHER BPO VALUATION. 

On XX/XX/XXXX we were told that it was sent to the investor yet again, and on XX/XX/XXXX it was sent to PMI for approval. 

***SLS STATED TODAY XX/XX/XXXX THAT WE HAVE TO START OVER AND THE HOMEOWNER HAS TO GO THROUGH ANOTHER LOAN MOD REVIEW, EVEN THOUGH HE HAS BEEN DECLINED MULTIPLE TIMES ALREADY AND THE HOMEOWNER DOES NOT LIVE IN THE PROPERTY. 

SLS has STOLEN five ( 5 ) months of servicing fees from the investor. They are obviously defrauding their clients, their investor, can not follow State or Federal guidelines, and think the CFPB is a joke. 


**************SLS CONTINUALLY MAKES UP DOCUMENT REQUESTS IN AN ATTEMPT TO MILK THE SERVICING FEES OUT OF THE INVESTOR, XXXX XXXX XXXX THEY ARE DEFRAUDING THE INVESTOR. BY FORCING THE BUYERS TO CANCEL THEY CAN KEEP THIS IN A DEFAULT STATUS INDEFINITELY AND CONTINUE MILKING SERVICING FEES OUT OF THEIR INVESTOR. IT IS CLEAR AT THIS POINT THAT IS SLSS BUSINESS MODEL, PURPOOSEFULLY FRAUDULENT SERVICING POLICIES RESULTING IN EXTENDING THEIR INCREASED MONTHLY DEFAULT SERVICING FEES. 


********THEY HAVE DONE NOTHING BUT LIE TO US SINCE XXXX THIS NEEDS TO STOP NOW AND I DONT WANT TO HEAR ANYMORE XXXX LIKE THE RESPONSE YOU GAVE IN THE LAST CFPB COMPLAINT ABOUT HOW YOU HAVE DONE NOTHING WRONG. CLEARLY YOU HAVE. 



I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. 


CC : 1. XXXX XXXX XXXX. OAG 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've disputed alleged account ( s ) XXXX and XXXX with previous collection companies this year and it was proven that both accounts were not my account and was removed from my credit reports. This account was acquired from a portfolio of debt and im tired of disputing this debts even though I was relieved from these alleged accounts. I've seeked counsel XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to resolve this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. 
The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023 the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. 
Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX  XXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the deliver date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MI
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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas

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 2023-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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 received my ChexSystems report and noticed a inquiry from XXXX XXXX XXXX  on XX/XX/2023. I have not conducted any sort of business with this financial institute

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 2021-10-01
Company: EQUIFAX, INC.
State: MO
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:
I was denied for an auto loan from my XXXX XXXX XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of XXXX  while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau Equifax XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I contacted XXXX XXXX for a debt validation letter, the company refused saying they did not have to provide a letter, sent off letter requesting to validate debt but this company provides the wrong address. Company is refusing to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of Virginia.I want to know why was it on my Report.Secondly they had the State of Texas Child Support for years when a XXXX crime was committed on a military base involving this alleged XXXXI got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXX Sheriffs to my address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely Yours 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 2021-06-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute.3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-21
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had two loans with NetCredit. The first I paid off almost immediately with on-time payments. They do not report that loan on my credit report. The second I defaulted on within the first year ( the interest was 84 % a year ), but they claimed that I was still making ACH payments on the loan long after it had defaulted. I made the principle in payments before I could not keep up with the excessive payment schedule. This was in XXXX. 

I have contacted them several times and to no avail. I submitted a dispute through XXXX or XXXX, and instead of updating my loan as paid off, they changed it to only 50 % on-time payments. Additionally, they sold that loan to a debt firm but continue to report it as though they own the loan. 

So reported incorrectly, inaccurately. 

First loan was {$2600.00}, account ID XXXX, funded XX/XX/XXXX. Paid off XX/XX/XXXX. 

Second loan was {$7200.00}, account ID XXXX, funded XX/XX/XXXX. On XX/XX/XXXX I cancelled the ACH auto deduction they were doing to my account. On XX/XX/XXXX they started charging my bank account again at a reduced amount but then accelerated payment, after 8 months of contacting them repeatedly about the balance. On XX/XX/XXXX they sold the account to another company. They continue to report it as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: PA
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:
N Accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I am writing to inform you of several errors on my credit report issued by TransUnion, which I brought to their attention on XX/XX/XXXX. As of today, TransUnion has not yet responded to my inquiry. I am requesting that you investigate and correct these errors as soon as possible. 

The following account was never late : XXXX XXXX ( Account # XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$77000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.

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 2021-03-19
Company: AmeriCollect
State: IN
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:
Americollect Inc. is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I immediately called and settled this debt with them. I had never received a letter, call or any notices regarding the debt I had with them. This violates my 30 day right to dispute or the right to pay it before it reports on my credit. I ask that you delete the collections from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-06-12
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 XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$89.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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