BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX  issued a mortgage on XX/XX/XXXX. They transferred my loan to Specialized Loan Servicing during the third quarter in XXXX. In XX/XX/XXXX, the title company handled my mortgage case sent me a letter stating that our mortgage record filed with XXXX XXXX XXXX had missing riders and wanted us to sign documents ( in attachments ) back. And I followed the instructions and sent the signed documents back. Now I want to payoff my loan, and the title officer found there are two mortgage records as followings : dated XX/XX/XXXX, recorded XX/XX/XXXX in XXXX XXXX  XXXX, Page XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the originally stated amount of {$510000.00} dated XX/XX/XXXX, recorded XX/XX/XXXX in XXXX XXXX XXXX, Page XXXX, in the Clerk/Register 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the originally stated amount of {$510000.00} I have contacted both XXXX XXXX and Specialized Loan Servicing to solve the duplicate records about three weeks. The Specialized Loan Servicing simply said they don't deal with titles, and on their end, they can only see I have one mortgage with them. Also, XXXX XXXX in fact is the one on the title. The Chief Operating XXXX in XXXX Bank replied to me that they sold our loan to Specialized Loan Servicing and they can not issue any documents regarding the titles.

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 2018-07-06
Company: Ad Astra Recovery Services 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, The reason for me filing this complaint is due to AD Astra Recovery Service failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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 appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2020-05-19
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: American Student Assistance
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My name is XXXX XXXX. 
A student debt loan obtained to pay for my son 's studies was sent to collection at the XXXX XXXX for a balance of XXXX. Dollars. 

On XX/XX/2022 XXXX XXXX cashed XXXX checks totaling over XXXX Dollars that included the balance due and the extra money. When I attempted to get my money back, the figure they initially quoted me was inaccurate. They had forgotten {$10000.00}, a mistake I hope. When I insisted, they assured me that I would receive a check within 60 days ( of what, I don't know ). 

Several questions came to me after this experience, particularly after I spoke with an XXXX XXXX representative who indicated that his " finance department '' was now " examining '' my case : was the balance due accurate? Do they have the right to keep my money, and haggle about it? what are my rights?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my wallet back in XXXX which I lost all my cards. I lost XXXX on this card. I put in a dispute and this bank is not trying to give me my money back. I have been one the phone with them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 keep sending letters to Transunion to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Transunion has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.

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 2023-05-30
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: SUNRISE CREDIT SERVICES, INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a collection debt appear on my credit report earlier this week ( XX/XX/18 ). I XXXX XXXX the name of the company and looked up their website - I have never received anything in writing nor any phone calls ( that resulted in a voicemail - I do not answer calls from unknown numbers ) from this company about this debt. I contacted their settlement department via e-mail using the e-mail address on their website requesting more information about the debt owed, but have not received a response. I have no way to pay the debt if they do not send me the account information that is required for their website, which means it will remain on my credit report until it is sorted out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX and XXXX XXXX dba CEO of Experian Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX sold my private property to a XXXX party intervenor without my consent to do so. Then the XXXX party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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:
In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
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:
I have called several times over the past year or more trying to get Equifax LLC to release my credit report and or score. I have tried to access my free credit report online through XXXX XXXX XXXX website which is my right as a consumer and natural person, and I get a blank report or an error message. I have even tried to pay for my consumer report through Equifax and I am unable to do so. I have not even my report in over a year or so. Equifax has assumed a vital role in compiling personal and private information on consumers credit transaction. lawfully a consumer has the right to view what is being stored and shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Fidelity Properties Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While viewing my credit report i Saw a Debt collector account on my credit file for a Fidelity Collections, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IN
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: GA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/XXXX or XX/XX/XXXX I cosigned for an ATV loan with Yamaha at a motorcycle/all terain vehicle dealership for my nephew XXXX XXXX XXXX XXXX a 100 % XXXX XXXX XXXX veteran. XXXX was making timely loan payments up until his XXXX on XX/XX/XXXX. In XX/XX/XXXX his Executor and Estate were making good faith attempts and were able to clear up any debt with the exception of dealing with Yamaha financing that was then transferred to Capital One they refused to cooperate and refused to clear up the account or transfer ownership. His executor continued to make payments since XX/XX/XXXX. From this time of co-signing for the loan up until XX/XX/XXXX this showed on my credit report as cosigner for a LOAN. In XX/XX/XXXX, A statement arrived at my home address in my name solely from Capital one with a Credit card showing a balance of {$11000.00} and available credit of {$17000.00}. Immediately I noticed my credit score lowered and I received notices of lower credit from my own financial institutions due to the recent increased Credit. I called Capital one multiple times to ask how a loan turns in to a credit card and how they can list this on my credit as solely belonging to ME. They have no record of a XXXX XXXX nor of the original account. I really do not know what to do? I do not know how to rectify this and feel my rights as a consumer are violated, nonetheless their behavior at the time of clearing my nephew 's estate is now raised to an appalling level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.

Company response to consumer: Closed with explanation