BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing services a 2nd Mortgage ( HELOC ) on a property that was foreclosed 4 years ago. The secured asset is gone, the 1st mortgage foreclosed but Specialized Loan Servicing says they chose not to fall. It is my understanding that they lost their claim when the secured asset was foreclosed by the 1st mortgage. 95 % of the conversations with Specialized Loan Servicing is aggressive and predatory, therefore I refuse to give them my current address. I've asked for them to prove the debt and any transfer of ownership, this predates the 2008 mortgage crises and they are not the original investor and/or servicer. I believe if the debt was provable that there are federal programs to assist in their loss, but since I doubt there is a proper paper trail I believe they are simply attempting to bully me into paying them monies I no longer owe due to a previous foreclosure.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Update XXXX  and XXXX removed. Experian has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in XXXX so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Experian has not and now they have stopped me from submitting further disputes on the issue.

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 2019-08-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt collection with Miland funding and I didnt pay it on time so my account was handed to XXXX XXXX XXXX. I paid my debt in full with XXXX XXXX  XXXX in XX/XX/2019. 
Both ends were clear, now midland funding is saying that I owe money but when I call them, in their system it says that Im clear BUT that they need to keep the amount debt there until they get a paper from XXXX XXXX XXXX that it has been paid off. 
XXXX has sent both, myself and miland a paper saying its been resolved but miland funding isnt not clearing the issue which is ruining my credit. I have talked to the company 3 times and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When XXXX happened in XX/XX/2020, we were offered a 3 month forbearance program where the 3 months would be added to the end of the loan term. On month number 4, i began making my regular monthly payments. I tried unsuccessfully to have them remove me from the program as I no longer needed it and they repeatedly claimed that I was not in the program and they would fix the issue once they caught up with paperwork. The original mortgage company sold my mtg to FREEDOM MORTGAGE where they continued to do the same thing, FRAUDULENTLY keeping me in a program that I did not need nor request and I continued making my monthly payments. After almost 2 yrs, they have taken me out of the program and are demanding I sign a new agreement which changes the terms of my existing mortgage or threaten to start foreclosure proceedings. I have made a payment towards the 3 month forbearance program leaving me with a total due of 2 months currently. They continue to change the original terms of the program and will not work with me after fraudulently keeping me in a program I was making monthly payments on that I did not need! Every month I have had the same conversation with the people at FREEDOM MORTGAGE, that they were keeping me hostage while taking my money. I continue to make my current payments each month, they accept them but do not apply them towards the current month due and instead hold it in an unapplied funds account. Because of their actions, they have destroyed my credit rating and has resulted in credit account cards being shut down and canceled and or lowering my credit amount. 
This company is a debt collector and does not own my mortgage. I demand they be investigated for fraudulently keeping me in a program I did not apply for longer than three months and the proof is in the fact that my payments have been made since month number 4 ( after the 3 month program expired ) I demand an explanation as to why they ignored my pleas to do the right thing while taking my monthly payments. I also demand they correct my credit rating. This is criminal! I have numerous recordings every month calling in demanding an explanation from Freedom Mortgage for all of the above. 
They can not even produce signed paperwork for a forbearance program because they have none.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.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 2020-03-15
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: Problem with personal statement of dispute

Complaint:
Transunion in reporting to my credit file to note my consumer statement and dispute against XXXX  Card Servicer to XXXX XXXX   XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.

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 2019-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Money transfer were initiated and supposedly cancelled by XXXX : 1. XX/XX/XXXX- {$1900.00} transferred on XXXX app initiated by me, but cancelled by XXXX   after funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account in ~5 days 2. XX/XX/XXXX- {$2000.00} transferred on XXXX  app initiated by me on XXXX  app , but received cancellation notice from XXXX  after the funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account within ~5 days. 
3. XX/XX/XXXX- {$1900.00} transferred by me on XXXX  app and received notification from XXXX  that the daily max is {$1000.00} and that I will receive a {$900.00} refund to my account. 
I never received any of the {$4800.00} to date. My bank chase has not been helpful in recovering funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Collection Bureau of America Ltd.
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:
I received a deletion letter from Collection Bureau of America in XX/XX/2023. 

In this letter, the company promised to send a submission to the credit bureaus to remove the account. But the account still appears on my credit report. 

Please see the attached removal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
accordance with the fair credit reporting act 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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have repeatedly asked TRANSUNION to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you.

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 2021-09-20
Company: EQUIFAX, INC.
State: NY
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: CITIBANK, N.A.
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX Cbna Inquiry from XX/XX/XXXX Cbna Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 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 2023-09-05
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  : {$250.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$480.00} ; 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 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 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.

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 2023-09-04
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 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

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
accordance with the fair credit reporting act 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 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 2023-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was told by each of these financial institutions that by law I was NOT ALLOWED to opt out of them reporting my non public personal information to a non affiliated party. In all of their privacy statements it clearly states i have the right to opt out which is also my right as a federally protected consumer, per the Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ). Since prior correspondence has gone ignored this complaint will serve as notice that reads as follow. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or non verbal indefinitely as is my federally protected right among other rights granted to me. 15 USC 6802 Obligations with respect to disclosures of personal information ; 17 CFR 162.6 - Reasonable opportunity to opt out ; 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties.16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time ; 12 CFR 1016.1 - Purpose and scope ( a ) ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.

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 2019-10-08
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a notice for wage garnishment from XXXX XXXX XXXX XXXX related to an old judgement from the Superior Court of New Jersey XXXX County. This is an old judgement with a different lawyer in XXXX payments were made through the site. I kept a record after each payment I was given a confirm payment number which I wrote down on the back of the agreement form. I completed the payment and was scheduled to receive a letter of completion in XXXX. They call to verify address to mail the letter, which I didnt received. On Saturday XX/XX/XXXX I received this wage garnishment intent. I call Fein, Kahn & Sheppard on XX/XX/XXXX and fax all the information I had of all the payments made dates and confirmation numbers. They said this was not good enough. This debt was paid off XX/XX/XXXX, I have reached out to the previous law firm XXXX XXXX XXXX XXXX XXXX. I also check my credit report, this debt is not on the report. 
The amount paid to XXXX, XXXX XXXX XXXX XXXX of {$3000.00} ( XXXX plus interest XXXX ) The new amount from Fein, Kahn & Sheppard {$3300.00}. 
Im just disgusted with these attorney behavior, this debt is paid up 6yrs now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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