BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have gotten behind ( well been behind for some time on my loan ). My mortgage servicer Specialized Loan Servicing sends me a monthly statement indicating my amount/s and what I have paid. On this statement it shows Fees/Charges/Optional Product with a {$0.00} balance but yet the past 2 times I have called them they have advised me verbally that I owe them over {$300.00} in late fees. How can you indicate on my monthly bill that I have no late fees but yet say that I owe you late fees over {$300.00} ( can't remember exact amount ). I feel that they are being untruthful in not disclosing to me that I am being charged a late fee when they send out my monthly statement.

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 2019-05-03
Company: Navient Solutions, LLC.
State: TN
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:
I currently owe $ XXXX in student loans to Navient. My regular monthly payments are auto drafted monthly, and I am a month ahead in my payments. 

My company has started to make monthly payments on my behalf for {$150.00}. 

My due date is the XXXX of the month, and for XXXX, the payment was made on XXXX. 

As of XXXX, my next payment due is not until XXXX, but a payment will be processed around XXXX. 

My employer sent the first additional payment of {$150.00} to Navient and it wwas posted to my account on XXXX. The entire amount was applied to interest. I want the amount applied to the principal balance on my smaller loan. 

I called Navient on XXXX and spent XXXX minutes on the phone arguing about daily accrued interest. 

Navient told me that the only way I could make a true principal payment would be to make the additional payment on the same day as my monthly payment so there would not be any daily accrued interest due at the time of the payment. 

So now I'm stuck with the entire additional payment being applied to interest and nothing going to principal. I'll probably still owe on this loan when I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$7100.00}.

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 non-monetary relief
Consumer complaint received 2021-03-05
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
I previously co-leased a XXXX XXXX from Hyundai through Hyundai Finance. In XXXX of XXXX ( at the beginning of the COVID-19 pandemic ) I was attempting to return a leased vehicle on time, but Hyundai made it extremely difficult to return the car. After being turned away at multiple Hyundai dealerships, I finally found one that would allow me to turn in the car. The vehicle was turned in on time and in perfect condition. 

At the time of the turn in, I was told that due to COVID, there would be no exchanging of documents and I wouldn't be provided with any paperwork. I was also told to expect to be contacted later with additional information ... such as the turn in fee. However, I was informed to expect delays with being contacted because of COVID making things more difficult. I was never told how or when I'd be contacted. 

After months and months of waiting, both my co-lessee and I were notified in XX/XX/XXXX of a negative credit pull from Hyundai over an unpaid fee. I was shocked since I had not heard from Hyundai about any outstanding fees. 

I immediately called Hyundai Finance and asked what happened. They told me that they do not send the final invoice via email despite all prior invoices being sent by email. They also said that if they call and I miss the call, they do not leave voicemails. The only way I could have been notified of the final fee was by letter, which I never received. 

I turned out that Hyundai had the incorrect address and the final invoice was not actually sent to me, but rather some other address that doesn't even exist. 

I would also like to point out that I regularly checked my online account and saw nothing, until I called and followed up with Hyundai Finance. Once I spoke with them, the original invoice including the fees in question posted to my account. You can see in the attached documents that the final invoice has the incorrect address. When I spoke to Hyundai Finance in XX/XX/XXXX, I told them of the error in address. 

I settled the outstanding amount with Hyundai the day I learned of it, but it seems that they have kept the negative credit mark on the accounts of my co-lessee and I. When I filed a dispute with Hyundai, they investigated themselves and found there was no wrong doing and that nothing would change. 

I am desperate to remove the negative credit report for both my co-lessee and I since the fees were paid immediately upon learning about them, despite being denied the opportunity of knowing about them in a timely manner.

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 2021-03-05
Company: EQUIFAX, 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2022 at XXXX p.m I made a phone call to Transunion in regards to a dispute that states that accounts are accurate and remain will remain on my credit report. The associate that i spoke to by name of XXXX XXXX stated that within their investigation they reached out to the creditor ( debt collector ) and they informed Transunion that my social security number, my phone number, name and address belongs to me and that the account and debt is mine. So in end result Transunion used that as a method to determine that account is verified and accurate. I explained that the debt does not belong me and that these debt collectors are required by the Federal Law to consent with me in regards to information being reported on my credit report. All she said was i am sorry. I gave her the federal law 15 usc 1681 ( a ) ( e ) that states that a investigation should be conducted by contacting neighbors, associates, and family and I asked XXXX XXXX if that was done and she said no. She explained that they only reach out to the dent collector. After that conversation I spoke with the Supervisor XXXX XXXX at XXXX with the same concern and nothing was being done to resolve my issue. I also explained that I have dispute on my credit report because a bank forged my signature without my consent. I told XXXX XXXX that i have proof of it with supporting documents. I asked him what if XXXX XXXX lies and say that the information i state is not true what would be the end result? The supervisor XXXX XXXX said then they would end the dispute and mark the information as verified on behalf of the bank. Transunion does not care about the consumers and they break the federal law all the time.

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 2019-05-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ) last year. In the transition my escrow account paid for my hazard insurance. I sent the bill to SLS after they rejected it with the agent. I was told they were looking into it. It's been 2 months and now the coverage cancelled XX/XX/19 per a letter received from XXXX 's XXXX today. This is fraud by trying to force me into taking out their coverage at double the rate since my coverage is now cancelled based on their breach of contract and an additional XXXX fee has been assessed. Total due to XXXX 's is XXXX  and the agent is at XXXX XXXX XXXX XXXX, policy XXXX. SLS should be sanctioned based on this fraudulent activity. Please assess penalties and interest on my behalf.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account Information XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Date Opened XX/XX/XXXX XXXX. Months showing XXXX 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$53000.00}.

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 non-monetary relief
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account for XXXX XXXX with a balance of {$5000.00} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: SC
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:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CBC Companies, Inc.
State: FL
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:
On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : factual data, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
Mortgage company ( citzens bank ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake.

I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time.

Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted XX/XX/XXXX TransUnion,XX/XX/XXXXand XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information with the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. The account number that is listed is invalid it is not an original account number and can not even be verified. the law states that the original account number must be provided and have no asterisks and anything inaccurate reporting. The account number has been compromised and is invalid. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, 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 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 2022-02-08
Company: URS Holding, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone called my phone and advised they knew who I was and should just verify my social or they will take legal action against me. When I told them I was not who they were looking for the man advised that they have caller ID so he knew my name. But the XXXX was wrong. He told me that there would be consequences if I did not pass a message on to the person in question.

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