BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for, I have brought 2 vehicles from XXXX XXXX XXXX XXXX. They were timely payments. In fact, one vehicle was paid in full. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Exactness. I have never been late on payments for the account : XXXX : XXXX. 
I made the Payment on XX/XX/2023 and XXXX reversed the payment, independent of my knowledge According to customer service there was an error in processing, -most likely a typing error. 
Moreover, I was never notified of an error in processing the payment. My Credit score dropped XXXX points in one day. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 


Fair Resolution! 

I request XXXX Update the account to Pay on time and never late. Or remove it from my consumer report. 

Best Regards XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX  XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXX XXXX, XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with XXXX XXXX evidence that XXXX XXXX  XXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXX XXXX XXXX. This is extremely illegal. Most recently I have called XXXX Headquarter and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not own this debt. TRANSWORLD SYSTEMS XXXX reported to XXXX a collection in the amount of {$350.00}. They failed to contact me for verification and failed to forward me my consumer rights or notice either before they furnish the negative information or within 30 days of furnishing it. Therefore, Inaccurate, incomplete, or unverifiable information must be removed.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX 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 2021-01-12
Company: CSO Financial
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/2017 I helped my father move from XXXX  to XXXX XXXX XXXX. I stayed a short time to help him get settled and re- established then returned to XXXX XXXX . His landlord asked him to list persons in the home for IDENTIFICATION PURPOSES ONLY, so he listed me. As it turned out his landlady was a major slumlord. she refused to keep the property in livable condition. My dad rented the house sight unseen and hadn't met the landlord. This conflict resulted in an eviction as my dad refused to pay rent while repairs were ignored. The landlord apparently sold the judgement to CSO financial of XXXX XXXX  who put the judgement on my credit report. Ive been trying to buy a home and this erroneous entry on my report is a negative impact. Please make them remove this from my report. I was in no way party to the rental agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The following email sent on the noted date describes the situation. Since sending this email re Loan No. XXXX to the email address given by Specialized Loan Servicing representative I have received no email acknowledgement but have received a delinquency notice dated XX/XX/XXXX eventhough the XXXX payment has been made to SLS. Please see the following : XXXX XXXX <XXXX> Attachments Sat, XX/XX/XXXX, XXXX XXXX  to customer.support at Specialized Loan Servicing Dear Sir or Ma'am : I spoke to a representative there on XX/XX/XXXX and informed him that I just realized that the XXXX Mortgage payment for XXXX XXXX XXXX XXXX FL XXXX was sent to the old servicer XXXX , XXXX ( easy mistake on bank billpay app ). I was informed by your rep that it may have been forwarded to you and that i should send proof of payment to this email addy. Please see attached that proof of payment. I also spoke to XXXX  rep today and was told that the payment was not " processed '' by them and that that meant it was forwarded to you since it has not been returned to my bank. Please acknowledge receipt of this proof of payment and whether the payment was forwarded by XXXX -- XXXX XXXX, 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 explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Received notification that a new account was added to my credit report from monitoring service via my credit union. Credit Report was from Transunion. Report contained the following information : account balance {$870.00} account number XXXXXXXX  address XXXX XXXX XXXX  XXXX XXXX, XXXX , NC XXXX creditor name online information service industry type other collection agencies I have no knowledge of this company or any outstanding balance connected to the account. From the information I received wasn't sure if I should start with the complaint or contact Transunion.

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 2022-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contact these companies several times since XXXX XXXX,2021. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I would receive multiple calls while at work at the most inconvenient times from ccs. I finally got tired of the constant harassment and rudeness from the company so I decided to settle with the company, they told me i owed debt with XXXX XXXX XXXX and even though the information provided to me didn't seem to register with me I reluctantly paid the settle amount. After some time had passed and with much thought I decided to call and ask questions about this debt because I don't ever remember having auto insurance with XXXX. I reached back out ccs to ask questions and the dates the company provided me with didn't seem right because I knew I didn't own a car or have a car in my name at the dates ccs was saying I had auto insurance, so after going back in fourth with ccs and coming out even more confused. I decided to contact my transportation cabinet to see if I owned a car on the dates ccs said i had car insurance. Ccs said that I had auto insurance with XXXX from XX/XX/XXXX to XX/XX/XXXX. I have uploaded documents from my transportation cabinet with all cars I've had in my name and high lighted dates registered I never owned a vehicle on or around XX/XX/XXXX to XX/XX/XXXX as shown from the high lighted dated documents. This company ccs has scammed me out of money, they have no documents with my signature on it saying that I signed up for auto insurance with XXXX and also are reporting this on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-13
Company: EQUIFAX, INC.
State: MI
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT INCLUDING THE FOLLOWING Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: PA
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 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. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that 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 explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION HAS RESET MY CREDIT REPORT AND REVERSE THE ACCOUNTS THAT ARE CLOSED UNDER MY NAME AND PUT THEM BACK AS A OPEN ACCOUNT AND USED A OLD DATA BACK ON XX/XX/2023 THESE ACCOUNT THAT WERE CHANGE FROM CLOSED TO OPEN AS OF XX/XX/2023 XXXX XXXX DISPUTE THIS AS FRAUDLENT ACCOUNTS THIS ACCOUNT IS CLOSED NOT OPEN XXXX XXXX BALANCE {$390.00} THIS ACCOUNT CLOSED WITH A ZERO BALANCE PLEASE DISPUTE IT AS A PAID OFF ACCOUNT XXXX XXXX XXXX DISPUTE THIS AS A CLOSED ACCOUNT WITH A ZERO BALANCE {$0.00} THIS ACCOUNT WAS CLOSED A MONTH AGO CURRENT XXXX BALANCE {$32.00} THIS ACCOUNT IS CLOSED AS ZERO BALANCE DISPUTE THIS XXXX XXXX XXXX XXXX THIS ACCOUNT IS FRAUD PLEASE DISPUTE AND BLOCK THIS ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX I got an alert from credit wise a company that reports to the credit bureaus of data breaches XXXX Experian and XXXX filed to notify me that my information was used on the black web or of any suspicious activity or potential identity theft The photos attached will show that my social security number and email was breached Or found on the dark web It also shows address numbers and zip codes that are in no association with 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 explanation
Consumer complaint received 2023-11-27
Company: NEW YORK COMMUNITY BANCORP INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Multiple unauthorized international transfers occurred from my account totally about XXXX. The bulk of the transfers occurred in XXXX. I notified Flagstar while the unauthorized transfers were occurring. Flagstar then denied my claim because the first transaction occurred more than 60 days from the time I make the report. The first 2-3 transactions were of amounts that I would not notice. Flagstar is hiding behind Regulation E - 1005.6 ( b ) ( 3 ) and ignoring 1005.6 ( b ) ( 4 ). 

In addition, the money was removed from my account using a card that I did not have in my possession, did not authorize anyone to use, and was unaware of at the time of the transactions.

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 2023-02-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

Company response to consumer: Closed with explanation