BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
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:
Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-09
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: Information is missing that should be on the report

Complaint:
This is so wrong on so many levels. I first reached out to Equifax about this stuff i found on my credit report on XX/XX/21. How many days is that 240 plus? And they keep saying verified on my report and the mail items says verified. When i asked them to how they verified it they haven't sent me any information at all. I reached out to the company that is attempting to collect the debt and they gave me totally different information. When i went back and told Equifax that the information is not accurate they still did nothing. They are knowingly and willingly posting inaccurate information on my reporting causing me stress and really hurting me from purchasing a home. They are directly violating my consumer rights by doing this. How am i supposed to get this information removed if Equifax just ignores me and gives me no proof of their investigation at all. Are they just saying verified and not actually investigating? If they investigated they know that the reports are WRONG. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
`Hello, I have monitored my credit score for years with an Experian account. I have it on my cell phone to monitor it closely. On XXXX XXXX I get the usual notification about my credit score increasing by XXXX points. On XX/XX/2023 I get another notification, this time it made me lose my mind, Experian was stating I NO LONGER have a credit score. I called them right away, same day! I spoke with 3 different rep 's I spent an 1.5 on the phone with Experian trying to get an answer and hoping that they will be able to figure out their mistake, the 2nd rep said he needed it to transfer my call because he said it was really weird that yesterday I had a score and today it disappear, last Rep was with client services. She clearly told me that there was NOTHING Experian could do, that this only happens when accounts are NOT active or the accounts are closed, she continued and ask If I had open credit cards at this time??? I told her there must be an error 'I have abt 14 lines of credit '' she said that I needed to contact my credit cards and ask them to report because they are the ones that are NOT reporting to Experian!!??? Please help!! Attached you will find the screenshots of my notifications, this makes no sense I have ben wasting a lot of time on the phone with Experian risking my job! My HEALTH!!!

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 2021-10-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My last Loan Modification received on my loan was approved with affordable monthly mortgage payments. In the midst of my making my monthly payments to XXXX XXXX, my payments were being returned because they stated the loan was not their loan and the loan number was not their number. They could not provide me with any information if my loan was sold or who was now servicing my loan. During this time I became ill and started having financial issues and was unable to make payments. I became delinquent with my payments and I eventually found out Specialized Loan Servicing was my new Servicer, I've been attempting to get a Loan Modification approved. I have paid attorney 's to help me in resoling this and they just took my money with no solution. I have been working with a HUD Housing Counseling Agency who have submitted several Financial Hardship Packages on my behalf but still no success. I want to keep my home and save it from 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 2023-06-17
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: TX
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:
**Equifax keep reporting XXXX  XXXX XXXX {$240.00} acct # XXXX, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct XXXX XXXX {$1900.00}, XXXX XXXX acctXXXX {$190.00}, XXXX XXXX acct # XXXX {$710.00}. 

**XXXX keep reporting XXXX {$240.00} acct # XXXX, XXXX XXXX acct # XXXX {$1900.00}, XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX acct XXXX {$190.00}, XXXX XXXX acct XXXX XXXX {$4100.00}. 

**XXXX keep reporting XXXX XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct # XXXX {$1300.00}, XXXX XXXX acct XXXX {$190.00}, XXXX  XXXX acct # XXXX XXXX {$4100.00}. 

All these 3 bureaus has lied to me for over 5 months. They will tell you they have gotten contracts// back from these collection agency with my signature and never provided me with any documents, I request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that their offices give me this but they always lied and tell me " The information you disputed has been verified as accurate. '', I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have never heard none of these collection agency they're reporting. I told them since XXXX and all 3 of them lied to me and said they have proof but can't never show me. Please help me get all these collection agency deleted from bureau because its hurting me bad. I know they're getting paid but this a bad business to ruined consumers life knowingly you're not sending them sign contracts with their names on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2023-03-10
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice for a debt collection and the next day it was on my credit but there was no prior notice of any amount due at all. 

I had no idea that I owe any money to XXXX XXXX XXXX, as nobody reached out to me, the driver on the insurance changed all the details without notifying me and I did not receive any notice at all. 

But I never received any notice of any due amount and now it has been added to my credit as debt collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been banking with Wells Fargo Bank for a long time. I have XXXX by Wells Fargo checking account. My balance in the checking account have been above {$5000.00} constantly. My understanding is that daily balance {$5000.00} or above earns 0.05 % interest rate and below earns 0.01 %. It had been like that for a while ( more than a couple years ). All of a sudden, in XX/XX/XXXX the interest rate I earned changed ( to 0.03 % ) and in XX/XX/XXXX it went down to 0.01 %. I wonder that the bank might have changed its interest rates. I searched online and called Wells Fargo. The lady I talked to showed me where online I can find the information. I found that the rates for the XXXX by Wells Fargo checking stay same as before - 0.05 % for {$5000.00} or above balances. My question is why the bank only credited me 0.01 % even though my daily balances have been above {$5000.00}. I asked whether the bank changed the interest rates only in the months of XXXX and XX/XX/XXXX and changed them back as of today ( XX/XX/XXXX ). The lady I talked to could not confirm and kept saying the bank has the right to change interest rates as the rates are variable. I suspect that the bank makes a mistake and requested the bank make a further research. She refused and hanged up.

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 2021-10-28
Company: EQUIFAX, INC.
State: AR
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Collection Management Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector knew by the name XXXX XXXX. XXXX, phone number XXXX, has attempted to communicate via telephone repeatedly at unusual and inconvenient times as outlined under Code of Federal Regulation ( CFR ) Title 12, chapter 10 subpart B subsection 1006.6 ( b ) ( 1 ) ( i ) ( ii ) and FDCPA subsection 805 ( a ) ( 1 ). I have no business with XXXX XXXX. XXXX  directly or indirectly which makes them a third party. XXXX XXXX. XXXX  's unwanted communication with me is a violation of 12 CFR 1006.6 ( d ) ( 1 ) and 12 CFR 1006.10 ( a ) ( 1 ) because I never gave XXXX XXXX XXXX my location information or permission to contact me. These are also violations of the FDCPA subsection 804 & 806 ( 5 ) respectively as well as 12 CFR 1006.14 ( a ), ( b ) ( 1 ), ( 2 ) ( i ) ( ii )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
update : They refuse to respond to the state of maryland whose has approved HAF. They keep lying and pretending Maryland never contacted them repeatedly. 

original complaint : My Mother, a senior in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. She applied for HAF funds several months ago. In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. I caught this error before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a senior with a perfect XXXX credit score a 40 year mortgage. Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. They need to be monitored and investigated asap. Since first contacting Consumer Finance, Shellpoint appears to have committed fraud in the state of Maryland by lying to the Maryland Homeowners Assistance Fund which has caused a denial of a XXXX loan. They claimed that my Mother was in a modification with them and that she's not eligible for HAF loan. So they will make up total lies to undermine homeowners form receiving HAF funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : It is a very long time of the modification issue for the second mortgage or HELOC, from XXXX XXXX during 7 years. I submitted to request the modification for this HELOC, after the first loan modification successfully.

The Services tried to ignore my loan modification for 6-year long, one of the technique that Specialize Loan Servicing LLC used to treat my loan modification that they sent/replied/requested ... mail to me per using somebody else address where I never receive during/about 6-year length. SLS used it to blame on me, not to cooperate with the Services. SLS used this as an excuse during the years of underwater or/and the property has no market value in those years. The property market value has increased up more than 40 percent then SLS went back and enforced the property in Foreclosure Process that SLS shall collect more money. 
I just wondered why my loan modification all replied letters from SLS has been sending to wrong address where I never used it and I never provided it to SLS???

Secondly, SLS took that long of 6 plus years to review my loan modification?

It now took only 6 months for them to deny and push in Foreclosure? 
Yours truly, 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 2023-01-25
Company: FIRST PORTFOLIO SERVICING 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: Credit inquiries on your report that you don't recognize

Complaint:
I use XXXX XXXX XXXX and was notified that someone used my info and credit for a hard inquiry to this company : XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX when i tried to call the number a few times and left messages I got no return calls back. I need to file this dispute with FTC so that I can fw the request to XXXX to have the inquiry removed. 

I have since froze my credit until I can get this rectified.

Company response to consumer: Closed with explanation