BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: SRA Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, SRA Associates located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am writing this complaint on behalf of my old Mortgage Foreclosure loan # XXXX with PNC Bank. I was scheduled for a foreclosure back in XXXX. However now I am being penalize for a new purchase with FHA. THere is a XXXX alert still on my account until XXXX XXXX. I understand the 3 year waiting period however, I foreclosed on my Property in XXXX however, there was a Security Deed error. The Security Deed was never signed by the Notary so I was Summons to have the Deed Reformed in XXXX. Due to error of title company it took another year to have the Superior Court of XXXX XXXX GA reform the document. The notary has died and was unable to reform the document. Now I am unable to close on my new property and in the process of losing my earnest money, contract and other monies. I am requesting a urgent request to have FHA remove my XXXX alert. My XXXX case # is XXXX. I will add the summons that was filed against me and other documentation for the release of this negligence of the mortgage company. I had a attorney involved where we requested a removed of the deliquency but no results. ThanksXXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For the past 24 Months Chase has been charging me for overdraft fees although I'm not enrolled in their overdraft protection service plan. I had no idea that this was occurring until I looked at previous bank statements, but I was aware of the recent transactions. The two most recent were on XX/XX/XXXX and XX/XX/XXXX when both times my account was already over drawn by more than the {$50.00} ( $ XXXX on the XXXX ) or less overdrawn by the end of the day policy where the fee will not be charged. From XX/XX/XXXX-XX/XX/XXXXChase has charged me {$610.00} in overdraft fees. This was done without me enrolling in the overdraft protection plan as well as against their overdraft service for overdrawn accounts by {$50.00} or less. I've reached out to the customer service representatives about this issue to either have my concerns unanswered or simply stating that the fees will not be reversed. Since this is a service that I never agreed to nor was the overdraft of accounts overdrawn by {$50.00} or less dollars followed, I want all fees that were unlawfully charged and taken from my account returned immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02
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:
There are several accounts which appeared on my credit report without notifying me first.. I have never dealt with these people in the past..I don't know who they are.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX, XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-02
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix XXXX debt collection company received payoff amount of {$400.00}. I paid 2 payments of XXXX XXXXon XX/XX/2019 and {$200.00} on XX/XX/2019. They promised to send me receipt and closing notice by email or us mail but I still havent get any notice today. 
I just need written approval of paid off and closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, INC.
State: OK
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:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: GA
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: LD Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Load Depot ( XXXX ) XXXX https : //www.loandepot.com calls me continuously all day long, at least 4-5 times a day from various numbers that include area codes XXXX, and other parts of the country. When I block a number, they generate a new one. I have blocked and blocked and yet they still call. I have not called them back because I do not have an account with them and have never done business with them and do not want to give them any more information than they already have, which is my cell phone that is supposed to be on the do not call list. It's a robo-call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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:
FTC VIOLATIONS! INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THESE ACCOUNT! FTC WAS SENT THEN TRANSUNION PUT THEM AS COLLECTIONS. PLEASE HAVE THESE REMOVED! THESE HAVE BEEN REMOVE BEFORE AND TRANSUNION PUT THEM BACK ON! PLEASE HELP! 

1.XXXX XXXX XXXX # XXXX {$210.00} 2.XXXX XXXX # XXXX. {$65.00} 3. XXXX XXXX XXXX # XXXX {$630.00} 4.XXXX {$73.00} 5.XXXX XXXX XXXX # XXXX {$6800.00}

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX  collection on my Transunion credit report needs to be reinvestigated or deleted, I have an identity theft report and I have disputed this collection. XXXX has deleted this collection from my credit report, Transunion has to do the same, how is it that one credit bureau deleted it and the other says that the collection is accurate, dont both of these companies do the same type of investigation and go thru the same process.

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 2022-03-07
Company: Specialized Loan Servicing Holdings LLC
State: NJ
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:
Under the Loan Details tab of my account with Specialized Loan Servicing, XXXX appears the following message : Specialized Loan Servicing does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to Specialized Loan Servicing on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict XXXX another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage XXXX for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage XXXX payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. Specialized Loan Servicing LLC ( SLS ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : Specialized Loan Servicing LLC, XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and Specialized Loan Servicing, LLC both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the Specialized Loan Servicing, LLC Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

Specialized Loan Servicing, LLC informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to Specialized Loan Servicing LLC, which they ignored and continue to state they did not provide information and will not respond any further.

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 2020-12-17
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
SN Servicing Corporation has informed me that XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX is the current holder of the note and the mortgage. 

I am requesting that you provide me an electronic copy of my pay-off letter to reflect charges as of XX/XX/21 The property address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please send the electronic copy of my pay-off letter back to me via the CFPB website with your response. The sooner I get the electronic copy of the pay-off letter the better. 

Right now I have a party very interested in the property and don't want to loose them. 

I have attached the letter from SN Servicing Company Please act ASAP Thank-You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NE
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'm in accordance with the fair credit reporting act the list of accounts below have violated my federally safeguarded consumer right to privacy and confidentiality under USC 1681 Students loans XX/XX/XXXX, {$1800.00} XXXX, XXXX  {$190.00} XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Credit information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602- 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 an account without my written instructions 15 U.S.C 1681c ( a ) 5 sections state no consumer reporting agency may make any consumer report containing any of the following items of information or 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 section States 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 2023-04-05
Company: Pinnacle Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX and pinnacle Crdits service has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results XXXX has also confirmed that debt that was in fact under a different social but and this bill that they are reporting is not mines please delete all inaccurate information of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Im trying to get help removing some hard inquiries that my older brother has made impersonating me using my information and my social

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 2023-03-16
Company: Experian Information Solutions Inc.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXXXXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the years XXXX and XXXX, Equifax Information Services reported two debts in the amounts of {$19000.00} and {$24000.00}. After five-attempts to receive verifiable information in regards to the parameters of these reported debts, Equifax has only chose to respond with three " updated '' and " verified '' reports of the debts allegedly owed by me. No proof of these debts have ever been extended to me in reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). These reported debts are 23 and 17 years old and still today have yet to be verified by Equifax Information Services.

Company response to consumer: Closed with explanation