BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I requested a forbearance on my mortgage loan starting XX/XX/XXXX, and it was granted for three months. During that time, I paid interest on the loan for XXXX, XXXX, and XXXX, which SLS refused to apply as a separate payment each month. I requested a loan modification in XXXX and sent in the required documentation for consideration. During the period from XXXX to XXXX, I received notices of late payments and foreclosure threats. I was asked to provide additional financial information for the loan modification. I was gainfully employed and had a small events business, but due to COVID, I received no revenue from that. After waiting for months to hear from SLS, I received a denial of my loan modification request. Instead, I was offered the option to short sell or let the mortgage owner take ownership. One reason for this denial was because of a fraudulent home valuation report that was requested by SLS from a local real estate company in XXXX, NV, called XXXX XXXX. This company had undervalued my home by {$100000.00}. I called them to complain because no houses in my area were used for comparison in the report, and the photos in the report did not reflect my home 's location or neighborhoods. 

The forbearance rule mandating that you had to pay the balance of the forbearance plus your mortgage in full for three additional months before you could be considered for a refinance delayed my ability to refinance. I believe that SLS used the undervalued and fraudulent home valuation report and my age to support this denial. 

The company also continued to send me foreclosure notices even after I paid my mortgage and the forbearance balance. While waiting months for SLS response, I tried to refinance but was declined because of the three-month rule. In the meantime, I lost my job. Now I can't refinance the loan. I have no incurred considerable financial loss and stress and am unemployed and trying to keep my home now. 

Had I been given the loan modification at the lower interest rate, I could have kept my head above water. I was told the INVESTORS declined to approve my loan modification, which is at 3.25 %. This denial has now cost me savings totaling {$1000.00} for XXXX XXXX and future annual estimated losses of {$3200.00} ( XXXX ), XXXX, XXXX, and on. The stress has been unbearable. 

Also, I asked for a waiver of the fraudulent {$15.00} home valuation fee, and that was declined ; this was the straw that broke the camels back.

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 2022-04-18
Company: EQUIFAX, 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Personal information incorrect

Complaint:
I tried to call transunion to call about these unauthorized inquiries and I was faced with discrimination from their company and they were very rude and inconsiderate of my problems and I have unauthorized inquiries on my credit report such as XXXX XXXX XXXX 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 2022-12-13
Company: Experian Information Solutions Inc.
State: MI
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:
New and updated information Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681

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 2022-07-05
Company: Experian Information Solutions Inc.
State: AL
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, 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

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 2023-05-20
Company: EQUIFAX, 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 my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX  XXXX Balance : {$630.00} XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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:
Account XXXX showing on my consumer report, associated with XXXX. Advised by XXXX  I have been removed from Financial Responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 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 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 2022-04-18
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
a " XXXX XXXX '' reimbursement check was issued to my business account as " XXXX XXXX XXXXXXXX XXXX XXXX '' was depositted by WellsFargo Bank XXXX XXXXXXXX XXXX XXXX under the account name of " XXXX XXXX ''. 
I brought this to the attention of the bank 's manager, specifically mentioned that the bank has feduciary duties to make sure that business account checks be depositted to their respectively correct XXXX account and the bank has breached this duty. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-05-02
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 

XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Debt was from XXXX XXXX. One line of four ( verified not used in a year by XXXX and Diversified Consultants ) not closed out when I switched to different carrier. Collection agent confirmed. Original debt was XXXX. 

Diversified Consultants, Inc. collection company received account. Negotiated and paid a settlement of XXXX paid in two installments. Diversified Consultants representative XXXX XXXX is the agent I worked with. Received confirmation that debt was settled and account closed on XX/XX/XXXX. On XX/XX/XXXX I received another bill ( collection ). There was a one digit change to the original account number XXXX to XXXX. Supervisor claimed it was for another line ( sub account ). Never received any other bill from XXXX. 

Contacted by Diversified Consultants and told them the original debt was paid. Supervisor interrupted and claimed what I payed was a sub account and this was different. Willing to take all steps necessary to end this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently sold my home, but a title search indicated that there was not a satisfaction of mortgage document filed on the property when I paid off the mortgage in XXXX. The mortgage company was XXXX XXXX and it was either owned by or acquired by U S Bank in XXXX. This would have been 3 years after I paid off the mortgage. The title company I was working with requested the satisfaction of mortgage document from U S Bank in XXXX, XXXX. They initially said they would forward the document to the title company within three weeks. They would not give the title person a specific department number or name of a specific bank representative. Each time she tried to contact U S Bank, she had to use the general customer service number. Apparently, we are waiting for someone in the Releases Purged Department to send the document, but the bank will not give a number for that department, and will not provide a contact person. The last email I received from my title company stated that we are " basically at the mercy of U S Bank at the moment. '' As of this date, XX/XX/XXXX, I have not received any notification from U S Bank. It has been about 2 1/2 months since they were initially notified. As a consequence, at the closing of my house on XX/XX/XXXX, the buyer 's title company withheld nearly {$100000.00} of my proceeds from the sale of my house. They also charged me {$150.00} to withhold my money. Everyone else has been paid -- title companies, realtor, and the buyer has moved into the house. I am the only one who does not have all of my money. I took out a mortgage on another house, and was planning to pay off this new mortgage with the proceeds from the sale of my other house. Now I am paying a mortgage on this new property. 

U S Bank should not be able to withhold a document that is preventing me from having all the proceeds of my sale to be paid to me.

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 2023-07-15
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX  I purchased a brand new XXXX XXXX XXXX XXXX online via XXXX I paid online from my Chime checking account. The total purchase after taxes was {$980.00}. I picked up the phone a few days later. I also purchased the XXXX XXXX protection plan from XXXX XXXX in the event that anything ever went wrong with the phone.Everything was fine. However, aprrox. two weeks later, the phone was stolen from me. I have not had the phone or seen the phone since. I immediately contacted chime and filed a dispute. Although I provided screenshots and proof of where I submitted a police report to them, they denied giving me my money back, claiming there was no error and refuses to pay me back. I have called and argued to no avail. I have also contacted XXXX since the phone is still under warranty, but they want {$250.00} to file a claim for a new device and that's not in my budget right now. I have proof of everything and I can't get a new phone because I saved all the money I had for a very long time to purchase this and now I'm devastated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint back on XX/XX/XXXX ( XXXX ). Here is a summary of the issue. 

I was incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on the company website. 

The company responded by acknowledging that there was an incorrectly forced policy for coverage placed on subject property XXXX XXXX XXXX XXXX XXXX, CA XXXX. The loan was charged with a premium of {$2300.00} for the forced placed coverage on XX/XX/XXXX. They have refunded {$1800.00} and said that they will refund the additional {$480.00} that was not refunded on XX/XX/XXXX. They stated on XX/XX/XXXX that they were in the process of refunding the {$480.00} and should be completed within the next 7 to 10 days. 

To date, XX/XX/XXXX, I have not received the refund.

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 monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2018-05-02
Company: Experian Information Solutions Inc.
State: OH
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 received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

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