BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am wrongfully being charged a lender placed insurance. 
I have tried working on this issue from XXXX XXXX with XXXX At XXXX XXXX Loan # XXXX XXXX  then sells my loan to a new servicer Specialized loan servicing at XXXX Loan number XXXX Where they begin collecting the prior fees I call the company to bring this to their attention XXXX told they will make inquiry and I was to cal back XX/XX/XXXX On XX/XX/XXXX I speak to XXXX in escalation he confirms no lapse I requested charge to be removed. He states he is unable to do that

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 2022-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-17
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: Reporting company used your report improperly

Complaint:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX and XXXX, purchase with card got declined. I contact BOA on XX/XX/XXXX. I was told the credit card is closed and got a numberXXXX, for further information. I called this number on XX/XX/XXXX and the representative told me all my accounts including checking/saving/credit cards are closed. I request for reason but he announced it's a business decision and can not disclose anything. I asked about the rewards and he said all rewards are forfeited. I complain about this and he insist on this action. At that time, there are XXXX points in card ending in XXXX and XXXX points in card ending in XXXX. Currently I can not redeem or transfer points on the BOA website. On XX/XX/XXXX and XX/XX/XXXX, I got BOA mails showing my credit cards are closed, the checking/saving will be closed in 30 days.

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 2022-12-07
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am currently waiting to be forgiven with the Public Student Loan Forgiveness program. I had my XXXX payment month in XXXX of 2022. Was told by XXXX XXXX that I was to be forgiven but moved to XXXX  in XXXX. Since then, I have been waiting with little to no movement or communication and would like to have a better timeline of when I will be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company is contacting references and informing them of the length of debt ( or lateness ) and amounts owed. Unsure of the exact date but was notified today ( XX/XX/2021 ) about being exactly 10 days behind. This practice violates the Fair Debt Collection Practices Act. My references should not be provided details of my debts such as the length of debts and amounts owed. References should not be used for a debt collection practice but instead used as 1 ) a reference to provide me a notification to make contact with the company to discuss the debt 2 ) for reference for the company to provide an alternative or updated points of contact such as phone number, email, or address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
This is my second 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account Portfolio recovery assoc : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: MCU Holdings, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, a representative from XXXX collections company called me and left a message. I called them back immediately and was transferred to the agent who left the message. The man told me I owed {$1800.00} to XXXX and that the company asked him to call me before they got XXXX XXXX XXXX involved. I asked if they are planning to sue me then since he said they were planning to get XXXX XXXX XXXX involved. The representative denied that he said anything of the sort and I asked him why XXXX XXXX XXXX would get involved unless they were planning legal action. He didn't really address that question. I asked for detailed information on the debt, account info, original contract, etc. and he said they sent me a letter ( which I never received ). He said he could email me the letter and I asked him to. When I received the letter, there was just the amount they said I owed, with absolutely no itemized breakdown of charges or original contract. Just a letter with company letter head. I watch my credit carefully and just refinanced my home. I don't have anything from XXXX on my credit and I don't recognize the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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 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 2023-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-23
Company: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}, 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 2023-07-25
Company: EQUIFAX, INC.
State: MN
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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MI
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:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not dispu

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I and my children were supposed to get temporary credits based on dispute claims XXXX, XXXX, XXXX and XXXX from Bank of America. Most banks and Bank of America issued temporary credits for clients within XXXX business day. Dispute department has delayed for a long time. So when my bank account balance went down, and Bank of America charged overdraft fees XXXX times, total XXXX dollars Bank of America should return back all my moneys because low balance is not my fault. It is their fault for delaying to give us temporary credits. News medias and I will bring this case to XXXX XXXX office representing us. 
Evidences are attached ( including XXXX letter ) 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 monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
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 requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2023-07-27
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: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-07-12
Company: Evans & Mullinix, PA
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Due to extreme inflation, not being paid XXXX XXXX in child support and tax law changed which greatly affect my refunds for the last 2 years, I was unable to continue paying credit cards. This allowed XXXX  XXXX XXXX to send Its Lawyers, Evan and Mullinix, after me in court. I live in XXXX XXXX, Mo and they are located in XXXX XXXXXXXX XXXX I believe I originally opened the account online but I did shop in store. All items were delivered to my residence in Missouri. They won in court uncontested XX/XX/23 as I only had 4 days notice when they taped the service to my front door. I could not afford any payments as I am behind on my mortgage. I am a single parent and live paycheck to paycheck. I notified the law office of this fact. The Kansas court then approved a garnishment of my XXXX   XXXX  XXXX XXXX account on XX/XX/23 and was garnished on XX/XX/23. 
There are several issues with this. Kansas can not issue a garnishment of Missouri property. Kansas Supreme Court has ruled that wages are still wages in a bank account. I had notified the law firm of my money status and they still went after my account. They have been notified in court of the status and refuse to release. Lawyer had admitted he was still liable to only 25 % but I pointed out that in Missouri it is only 10 % due to head of household and hardship and that the wages were from before his order was granted. The judge immediately granted a court date. I believe this law firm is preying on the poor and unfortunate by circumventing the spirit of the wage garnishment laws in ways that require lawyers who they can not afford or else they would have just paid their bills originally. 
On XX/XX/23 I contacted XXXX  XXXX XXXX and informed them that they can not withhold the money for an out of state order as I live in Missouri, the bank account is a Missouri account and was opened as such. I explained that they already was fined for this prior. I waited on hold for a long while as they referred with the legal dept. All they would say is they believed it a lawful order. They also denied holding the funds and said the lawyer had it till I confronted them. The rep checked with legal again and admitted they were still holding. I am also on workers comp from a recent accident and wanted to be able to protect my ungarnishable workers comp payments and they said they can not protect them and they could be garnished.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-30
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an online option payment which describes Due date, amount, principal, etc.

I made a payment with the specified due date, and put a specific amount for principal, the company does not apply the payment, which means if you don't catch up, and make a few phone calls, you will be late on your payments. Seems like the company does this to gain in interest, since they don't apply the payment right the way. 

Company SLS purchases insurance because they do not read the uploaded insurance.

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