BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Selene Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX Selene did not pay XXXX  for our home owners insurance from our escrow. They then charged us for their own fire insurance. 

I paid XXXX to have this issue fixed before we were in insurance default and our policy was active. Selene reimbursed for the XXXX insurance but not the charges for their fire insurance. 

This is happening again Selene has not paid XXXX from our escrow and our bill was due on XX/XX/XXXX. Insurance will be in default on XX/XX/XXXX. 

Selene is nit cooperating when we have faxed and 3 way called and made numerous calls to check the status of resolving this issue. Selene has said I am NOT ALLOWED to pay my insurance bill myself. But I want and paid for XXXX through my escrow which they don't seem to be able to handle. 

I get no response but transfers to an automated insurance line when calling to verify if they have processed the payment out and XXXX says they still have not received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Merchants' Credit Guide Company
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NJ
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with Wakefield, 5 collections through XXXX  on XX/XX/XXXX. 1 collection through Wakefield on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through Wakefield on XX/XX/XXXXI am disputing all of these on legal grounds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was attempting to dispute something on my credit score with TransUnion. I was required to create an account to access this feature and was charged {$26.00}, plus signed up for a monthly subscription service when I created my account. The website is intentionally misleading. They didn't show me that I would be charged for anything before creating the account.

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 monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
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:
My name is 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.

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 2019-02-08
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 : Eight plus months of negotiation for loan modification to lower payment to the current interest rate on inherited family home. We are currently paying almost double at 8 % interest rate through USBANK. It has been nothing short of a nightmate. Was not allowed to make payments at Bank and was told that it was not necessary during process. Numerous attempts were made to have the heirs names put on mortgage. It never happened. Often times creating much difficulty, to even be allowed to speak with someone regarding the account. Constantly being told many different things through numerous agents, creating much confusion. Having to spend countless times resubmubmitting the same information over and over, only to be told that they did not " receive '' it, on their end, contraire to " proof '' on our end. Discrimination on who was living on the property. *NO COMPLIANCE TO FEDERAL MANDATES FOR HEIRS OF INHERITED PROPERTY WERE FOLLOWED. NONE. Not one, but two home appraisels were performed, of which we may have been charged with possible other fees added. Much time and money were wasted, to no avail. Much " jumping through unnecessary hoops '' only to NEVER RECEIVING ANY HELP only having to now make almost double payments to pay back the loan, including possible additional charges. One of the most stressful experiences I have encountered. Nothing short of a nightmare. It is sad that the millions that banks make off of others, with the majority of times making 100 % interest, often more, on loans, that they refuse to follow federal mandates to help heirs keep their family homes. Customers are often given penalties, through them, but they are never penalized. Iam thankful that my tax dollars pay for government agencies that hold them accountable. Your intervention is greatly appreciated, by someone who just wants to keep their family home after the loss of a loved one. I now understand WHY the federal mandates were put into effect for heirs of inherited property. This is not how they should be treated. US BANK needs to follow mandates, just like the rest of us. I guess compassion does not make them richer. Sad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Synchrony Bank via their XXXX store card ending in XXXX placed a {$130.00} charge on the XXXX card account in XX/XX/XXXX to pay for XXXX XXXX without my knowledge or consent. They later marked the account as delinquent in payment which damaged my credit score. During a phone call with their representative in XX/XX/XXXX they agreed to rescind their late fees, pay off XXXX XXXX using an account of my choosing, and cancel the card. On XX/XX/XXXX XXXX cancelled my XXXX account and the {$130.00} charge on the card. On XX/XX/XXXX Synchrony Bank billed my selected account {$130.00} despite the fact that XXXX cancelled all existing charges on the store card ending in XXXX. On XX/XX/XXXX after discussions over the phone with XXXX and Synchrony Bank, Synchrony Bank agreed to refund {$130.00} via a mailed check to cover their charge made to my account which should not have been made.

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 2021-11-29
Company: EQUIFAX, INC.
State: CA
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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions 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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information 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 explanation
Consumer complaint received 2021-01-01
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: Was not notified of investigation status or results

Complaint:
Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised that in XX/XX/XXXX we received a Mortgage Statement that we were behind with our Mortgage payments and when I called we were told that the reason it was because we had a Shortage on our Escrow Account. We advised them that we could not afford our new payment and I had no way of paying for Escrow Shortage. They needed the total amount of my delinquency and that's when everything started. We got placed on a bad delinquency and we requested for help to save our home but unfortanutely we got no help at all. Last year of XXXX we got a denial letter stating that we had no options for a loan modification and that we were not making enough money to keep our home. we are now receiving money contribution from our daughter and her husband and we submitted new financials with Specialized Loan Servicing. and also with XXXX because XXXX was able to help us keep our home back in XXXX and now we are here with a Foreclosure Date coming up XX/XX/XXXX and we are asking for help to avoid this Auction to proceed and to help us with our Lender to get a workout resolution. My wife and myself are presently ill and have suffered to much XXXX and XXXX with our present situation. I have XXXX and my wife has gone thru XXXX XXXX and my daughter and son in law have been here to help us with expenses and willing to put all their income to save our home including our income. We really are begging to save our home. please help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: NC
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
please review the following accounts that appear on my credit report without authorization AMEX Account Number : XXXX This is not mine. 

Identity Theft AMEX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: National Credit Systems,Inc.
State: AL
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:
National credit systems has repeatedly called me in attempt to collect a debt that was paid in full by my husband. I have been harassed and talked to in a disparaging manner and would like this company to stop reporting this to the bureaus as this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I reached out to Experian to dispute inquiries on my credit report as there are XXXX that I did not recognize nor did I authorize. I was sent to the fraud department where I was answered by a representative named XXXX. I began to tell XXXX about these inquiries that I did not recognize them and that I did not authorize them, and XXXX proceeded to check into the first inquiry - XXXX XXXX  who ran my credit twice on or around XX/XX/XXXX. I proceeded to inform XXXX that I did not know why this inquiry was on my credit and that I did not authorize it. XXXX told me that he could not do anything because it was possible that a dealer ran my credit with the purchase of my car. I informed XXXX that was not possible because when I purchased my car in ( XX/XX/XXXX ) I went in with a pre-approval from XXXX  XXXX and because I bought it from XXXX, there was no running of the credit as this was not allowed since I had financing. XXXX then stated it was hypothetically possible that the XXXX XXXX  allowed XXXX  and another XXXX companies to run my credit ( Although XXXX of the companies XXXX XXXX - ran my credit in XXXX, well before I bought a car ). I told XXXX this and he said he can't do anything because its likely related. I told him they are not related to my purchase and I did not authorize it and XXXX said he won't do anything to assist. 

I then asked XXXX about the remainder and he just said they are all " probably '' related, even though I keep stating that these were not authorized nor known and are not related to my capital XXXX account. 

I asked XXXX for his agent ID and he stated there is no employee number and he's only giving me his first name. I then asked for a supervisor and he told me XXXX wasn't available but they'd call me back within a day. I asked for the supervisors name he said he's not giving it out to me. 

XXXX pretty much told me that even if I didn't authorize it, that there's nothing he could do, even though he only presented it all as hypothetically possible. 

The inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. 



Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Zero out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 



3. Deletion from all consumer reports. 



4. Delete all my personal information from your company. 



I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Visa with Capital One that had fraudulent charges on, which they took care of. They closed the account and issued a new card. When I received the new card, I put it in my safe and did not activate it. I started receiving phone calls from Capital One telling me that my account was delinquent on a card that I had not activated and had no previous balance. I looked online at the 'charges ' and the same fraudulent charges were being applied to my new, inactive card. Once again, Capital One reversed the charges, closed the account, and issued a new card. They also said that they would block any and all transactions from the companies that were charging my card with fraudulent charges. I received the new card and once again, it is being charged by those same companies for services I have never used nor authorized. Those companies are XXXX XXXX and XXXX. I want to know how an account that has never been activated can have charges on it and how is my account information being shared? I am the only person with access to that card and have not given it to anyone. The fraud has to be initiating inside Capital One. I want answers. There is no reason those charges, which amounted to THOUSANDS of dollars should have ever been allowed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: AMERICAN EXPRESS COMPANY
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:
The Following accounts are fraud and need to be removed immediately. 

XXXX # XXXX Amex # XXXX -XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TN
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 have notify the credit breau experian regarding this information about fraud and nothing has been done

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