BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This relates to CFPB Complaint XXXX and Specialized Loan Servicing falsely claiming that they are waiting on XXXX XXXX XXXX XXXX XXXX XXXX ) to remit the {$1500.00} payment that I am owed from the cancelled upfront PMI policy. I called XXXX today, XX/XX/2023 at XXXX XXXX XXXX and spoke with XXXX XXXX who told me that the refund payment was already issued and that SLS should have already received the payment. SLS stated as recently as XX/XX/2023 through a phone call from their executive office that they had not received the payment from XXXX and that SLS has no estimate whatsoever of when I should receive the payment. SLS has been deflecting blame onto XXXX, which XXXX has asserted is unwarranted. I think it is very plausible that SLS already has this payment but is too negligent to actually remit this to the borrower. 
In addition SLS charged me a {$100.00} fee for the XXXX, which I paid on XX/XX/2023, but their system keeps showing that payment as unallocated and past due. I have contacted SLS through their portal asking them to properly apply the payment to the amount due, and they have yet to do so. 
At this point I have had to file countless CFPB complaints to get SLS to do their job. They need to actually take ownership over issues.

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 2021-05-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, Account # : XXXX A payment will be scheduled to be taken out on XX/XX/2021 which will bring the account current. This is a forewarning that if AES does not reflect the payment being taken out on that date and a false report to the Credit Bureaus is received, AES/PHEAA will face consequences. In addition to the level of fraudulent behavior that has been occurring from charging Interest incorrectly, to recording borrowers over the phone without their express permission, AES/PHEAA has also in the past incorrectly reported balances and statuses of the account to the Credit Bureaus, which I intend to defend the legitimacy of with irrefutable proof. 

AES/PHEAA has also intentionally delayed Loan Forgiveness in certain situations for ulterior motives to gain profits. 

The following activity has been made due to these unfair business practices. 
-The District Attorney 's office has been contacted. 
-I 've made contact with New York and Massachusetts regarding the violations which were alleged, and ongoing documentation is being gathered to build a potential lawsuit -A payment in the amount of {$380.00} will be made/scheduled on XX/XX/2021. If at any time after XX/XX/2021, AES/PHEAA decides to report that the account is 30+ days late on that date, this will be additional behavior which will be added to the list of incriminating points within the complaint, and XXXX XXXX XXXX XXXX and the CFPB will be contacted immediately reporting the false allegation which will force auditors to review your Systems. 
-My attorneys will be contacting each company individually by phone prior to filing the complaint with the court. 

AES/PHEAA XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AES/PHEAA XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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:
These accounts do not belong to me, block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. XXXX, TransUnion and & XXXX  have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC.

My initial dispute started XX/XX/2020 and my most recent is early XX/XX/XXXX. The total debt amount is less than {$8000.00}.

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 explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I wrote a dispute letter to Equifax in reference to : Inaccurate Information on My Credit Report : US Bankruptcy Court-Atlanta-Case # XXXX US Bankruptcy Court-Atlanta-Case # XXXX ( See Attached ) On XX/XX/XXXX, Equifax received the letter. ( See attached ) On XX/XX/XXXX, Equifax completed their investigation and the results were : We have verified that this public record item is reporting correctly, on both. 
( See Attached ) On page 1 of my Equifax Credit File, Equifax states, If your dispute involves a public record item, Equifax contacts a third-party vendor to obtain the most recent status of the public record. ( See attached ) On page 3 of my Equifax Credit File, XXXX is listed as that third party vendor. 

On XX/XX/XXXX, I received a letter from XXXX providing me a Security Freeze Confirmation of my file. ( See attached ) On XX/XX/XXXX, I received my Equifax Credit File that outlines the Verified Items Reporting Correctly. I called and spoke with ( 3 ) employees ( XXXX, XXXX, and a 3rd gentlemen who did not give his name ). All employees were from the XXXX XXXX XXXX   Department. According to each employee, they verify the information by sending an electronic notification to the Court and they verify that the information is correct. 

On XX/XX/XXXX, I received a letter from Deputy Clerk-XXXX  XXXX, from the United States Bankruptcy Court of Atlanta ( See attached ). The letter states, The Clerks Office does not provide information to credit reporting agencies. 
I asked each employee can they provide me the names of the person ( s ) who verify the information accurately ; and they could not provide me with the names. According to FCRA 611 ( a ) ( 7 ), I was requesting a complete description of all methods used to investigate my aforementioned dispute. 

Also according to Federal Rules of Bankruptcy Procedure Rule 1005- a debtors last four digits of the social security number are used.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: TX
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15  USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Experian, I have disputed this account # XXXX and # XXXX before by a company call XXXX and XXXX XXXX. They both sent a copy of the consumer contract which is not sufficient evidence of debt. I have nerve done business with them before and they have had reported to my Experian and XXXX consumer agencies. XXXX has them both off my consumer report after investigated the account. I am requested that you Experian reinvestigate these account and have them both deleted off my consumer report. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. XXXX XXXX XXXX and XXXX XXXX HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX and XXXX XXXX XXXX are liable according to Title 15 USC 1681o.

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 2019-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing this letter to address a major concern/issue I had with Chase. I was recently approved for the Chase XXXX XXXX and the Chase XXXX cards. Everything was just fine as I had received both cards and was starting to spend on the XXXX ( over {$5000.00} in the first month ), and was about to buy something with my XXXX card when I ran into an issue. The card was declined. At the moment I was confused, but I went ahead and logged into Chase only to find out that my card had been closed. At this point I was extremely confused as I only had the card for a week, how could it be closed? I immediately called Chase to inquire about the issue and find out why my card had been closed without my knowledge. I was then told but the first customer service rep that my card was closed after a 2nd review ( something I wasnt even aware happened ) and there was nothing I could do. Confused, I called back and the next agent said they would look into it further. When they came back to the phone they informed me that I was approved for the card but upon further review I was extended too much credit and they therefore had to close 1 of the 2 cards. I then asked why I was never informed of this and they said they called me once. First of all, Ive never heard of such a thing, I find it absolutely ridiculous that a company would approve someone for something and then completely renege on it and cancel the account. The logical approach would have been to call me, if I dont answer leave a voicemail ( which never happened ), and give me the option to move credit around to keep the card open. Instead, I get one call which I have no record of, and the account is closed end of story. On top of that, the reps are telling me I have no recourse and the decision is final. I have been a Chase customer for close to 7 years now and my credit score is over 800 and I have never missed a payment. When I asked what could be done about this Chase said I can re-apply for the card. Not only is this ridiculous, I already had to use a credit pull for this application, they want me to apply again and get my credit pulled another time. On top of that, what is stopping Chase from approving me for the card again and then just changing their mind like they just did. On top of that, while my account was approved and open, I referred my friend to get the card and he was approved, so I am entitled to the referral bonus of XXXX XXXX points which I havent gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy on XX/XX/XXXX. XXXX XXXX continues to report to the credit bureau a balance owed of {$6300.00}. I start to request back in XX/XX/XXXX for them to send proof/documentation that what theyre claiming they were not included in bankruptcy be verified. My bankruptcy attorney sent them a letter to cease and desist in XXXX of XXXX. They continue to report to all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I havent had a credit score in over six months. 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 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XX/XX/2018

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 2023-09-21
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX  XXXX XXXX Balance Owed : {$800.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: NH
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 pay a monthly service with XXXX owned/controlled by experian, for {$19.00} a month. Every 90 days I get transunion and XXXX  Report as well. I just received XXXX  and XXXX  a week or two ago From experian and I did not see any errors or problems with either account. TodayXX/XX/XXXX I went to do a dispute online because of a personal loan on XXXX, only to find on my credit report with XXXX, multiple misspellings of my name and phone numbers that are not mine. Im paying for a service only for experian to provide me a fraudulent and inaccurate report from XX/XX/XXXX. There shouldnt be different information on different reports from the same consumer reporting agency. Especially where Im paying for a service and experian is lying/hiding information from me. I just had a company pull a credit check on me for a loan from XXXX XXXX over a month ago and clearly there was fraud and lies in my account with XX/XX/XXXX. I can only imagine my report was masked by experian to harm me. If they are pulling from XXXX   and XX/XX/XXXXit should be the same exact report and information if I logged into Each agency separately.

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