BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS SELECT PORTFOLIO SERVICING INC. WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX, IS SENDING TO WRITER TEXTS MESSAGES REMINDING TO PAY WHICH WAS DUE XX/XX/XXXX. THEY HAVEN'T SEND ANY NOTIFICATION OFFERING ME WAYS TO PAY OR ANY ACT OF CONSIDERATION AS PER THIS UNFORTUNATELY SITUATION. I CONTACT THEM WITHOUT A POSITIVE RESPONSE. 
THEREFORE, I WANT TO REPORT THIS INSTITUTION, AND ASK YOUR OFFICE TO HAVE THEM CORRECT THIS ACTION AND BE MORE SENSITIVE WHAT IS GOING ON IN THE WORLD.. 

I AM A SINGLE WOMAN, AGE OF XXXX, WORKING TO COMPLY WITH THE PAYMENT HOWEVER I HAVE NOT COLLECT ALL MONEYS TO COMPLETE THE XXXX PAYMENT. PLEASE ACT ON MY BEHALF AND CORRECT SPS FINANCIAL ENTITY.. 

THANK YOU BEFOREHAND, FOR YOUR ATTENTION TO THIS REQUEST. 
XXXX XXXX TEL XXXX ACCT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AMERICAN HONDA FINANCE CORP
State: VT
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:
My Lease with Honda financial Services was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local Honda dealer and told HFS that. They said they noted it and then I began getting XXXX : XXXX calls from " HFS '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased cars : 2 from Honda!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ARS Account Resolution Services is in violation of the FDCPA Section 807, codified at 15 U.S.C. Section 1692e ( 14 ). ARS Account Resolution Services is a alternate name for Healtcare Revenue Recovery Group, LLC, and the FDCPA clearly states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ... ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ''

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 2020-06-02
Company: SYNCHRONY FINANCIAL
State: KS
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:
In XXXX I received a call that my credit card through Lowes via Synchrony Bank had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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: Investigation took more than 30 days

Complaint:
I'm writing to express grave concern about intentional privacy violations by the three major credit XXXX, Equifax, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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'm having issues with Experian on my credit report. My rights as a consumer rights have been violated, I am highly disappointed that you refuse to follow the laws that were written by the FCRA. I have requested a thorough investigation and have asked for the original signed documents of this alleged debt. You have refused to send them and have refused to investigate this alleged debt correctly. 

Not only that you my rights as the consumer have been violated according to 15 U.S.C 1681 ( b ). Permissible purpose, 15 U.S.C. 1681b ( 2 ), in accordance with the written instructions of the consumer to whom it relates.

I Consumer, XXXX  never gave any written consent to put this alleged debt on my credit report/file.

15 U.S.C. 1681 ( a ). accuracy and fairness of my credit report.

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 2020-04-10
Company: Sequium Asset Solutions, LLC
State: OK
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:
Sequim Asset Solutions talked to multiple people over the last few weeks told them they had the wrong number and to stop calling multiple times of the day. I was told my number would be removed with in 24 hours and I still continue to get calls. The calls consist of answering the call and silence, then the call  hangs up. If you call back you get a rude person you can barely understand trying to collect money on a debt owed by someone other than myself. Then they ask for your name address and date of birth. I then promptly asked to be removed that I was not giving that information to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Letter from Wells Fargo dated XX/XX/2022 denying me a credit card. ( Application XXXX ) In the letter was information from XXXX about my negative credit rating ( XXXX ) and delinquencies on payments. 
1. I never applied for this credit card. 
2. My credit rating has always been in the high XXXX or low XXXX. 
I checked with XXXX on XX/XX/2022 my credit score was XXXX ). 
3. I contacted Wells Fargo four times by phone informing them I did not apply for their credit card and to immediately cancel the fraudulent application. 
4. The result of all four phone contacts is that Wells Fargo has not cancelled the application. 
5. If Wells Fargo does not cancel this fraudulent application but instead categorizes it as being denied for credit issues while using erroneous, incorrect information it will appear on my credit report as being denied. 
6. Wells Fargo obviously furnished XXXX incorrect information from a fraudulent application that was not my correct information. 
7. I received a letter and five page Declaration of Fraud form from Wells Fargo. The form asks me to investigate whether or not this is a fraudulent application. Additionally the form threatens me with criminal prosecution if I submit a false declaration. 
8. I am unclear why and how I am responsible for investigation of this fraudulent application. Particularly since it was Wells Fargo that submitted erroneous, falsified information about me to XXXX. I have never experienced this level of arrogance, and unprofessional behavior from a service company that charges fees for their services. I have been a professional government official for 50 years and have never witnesses this level of incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CT
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has my information & tried to use it, and Im worried about identity theft. I Tried serval times to dispute accounts with credit bureau.According sec 15 USC 1681 ( A ) ( 4 ) Consumer right to privacy 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing is refusing to provide me with payment schedule for the Life of the Loan ( thei loa n was originated in mid 2007 by XXXX. The loan has been sold several time and this has been and ongoing problem with this company. When i askes for a payment schedule they indicate by statue they don't have to provide me with this information based on the loan being a HELOC. This has caused a lot of consternation and impacted my health and financial condition. This issues has caused a loan closing in the past to be canceled that would have paid off this loan based on their lack of cooperation. They have also reported delinquencies to the credit buaures even with the loan being current and now paid off. This has impacted my ability to refinance my primary house and i am engaging an attorney. ( from XXXX XXXX ) XXXX XXXX to to suite this company. They will also not provide a accurate payoff or information for the life of the loan Honestly, I don't know what else to do. When I call them they put me on hold and transfer me back and forth. It appears they simply wont answer the phone or they don't have enough employees to service their customer base. I was thinking about reaching out to my State of Michigan Reps or XXXX XXXX my Representative in the US House of Representatives. This issue has cost me money and frankly my health has been impacted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TX
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief