BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX Hud attempted to represent me in getting a modification, They attempted several times.My attorney XXXX XXXX began representing me beginning in XX/XX/XXXX letters and documents were sent requesting workout He sent a Letter Dated XX/XX/XXXX for confirmation of his representation. Mr.XXXX  sent SLS a payment of {$14000.00} In XX/XX/XXXX. It was returned. request for modifications from XX/XX/XXXX to present, letters of hardships and storm damages due to hurricane Irma were sent. SLS changes the contact person monthly I have never been able to speak to the assigned teller.I have requested to speak with the XXXX  XXXX XXXX XXXX   XXXX to no avail. Court mediation with the Magistrate orders to submit another request for modification did no good.Their attorney even tried to help 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 2019-07-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
CRA continues to report inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
XXXX XXXX XXXX is being sued by me and has been served. They allege they repurchased loan XXXX XX/XX/2023. The transfer names you, Rushmore as substitute trustee. XXXX XXXX appears to be making agreements with and contracts with you granting you with power to foreclose on my property. It is unclear to me what is happening with fraudulently induced loan XXXX because XXXX XXXX has taken affirmative action to block any and all communication with me since the alleged transfer. The loan was properly canceled within the three day period, alameda agreed to cancel and rescind in writing, and all money and beneficial interests were returned to XXXX  in check XXXX. 

Please let me know if you are trustee, substitute trustee, or hold any interest my home. If so please note that there is a case pending at state court regarding any and all interests XXXX XXXX has in my property recorded on my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
I received a letter from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I spoke with Supervisor XXXX in card services on XX/XX/XXXX. He explained that if I paid {$13.00} to bring my account to {$400.00}, the savings account that had {$400.00} would be transferred and the card and the account would be closed. On XX/XX/XXXX20 I go into into a branch to find out that the account isn't closed, I'm given an 800 number to call. I called the number and the rep transferred me to XXXX also a supervisor in card services. He explains the card and account will not be closed until after I pay {$400.00} and then wait until after XX/XX/XXXX so I have to pay the interest on a cash advance of {$50.00} ( plus a {$10.00} fee ) that was done in XXXX. After all this is done the account will be closed and the {$400.00} will be mailed to me. The issue I have is ; I did what I was told by XXXX in good faith and now the new supervisor is unwilling to follow the commitment in good faith that I understood.

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 2020-02-29
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It appears XXXX put my account in collections. They used Southwest Credit Systems to make a collection. I never knew about or received any notification about the {$130.00} owed. I would have paid it once i knew about hte payment. I did pay it this month when i first found out about this payment directly to Southwest Credit Systems. However, this has negatively affected my credit report and i am looking to purchase a home in the next couple of months. I would like to request that XXXX and or Southwest Credit Systems to take this off my credit report for all 3 major credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX pulled my Equifax report on XX/XX/2017. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally submitting this CFPB complaint just to notify you about the late open account, charge off and late/closed upon checking them in in my credit file. I found out that the accounts still on my credit file which are appeared as late and inaccurate the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts should be corrected right away : XXXXXXXX XXXX XXXXXXXX XXXX : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2020-02-29
Company: Experian Information Solutions Inc.
State: SC
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 do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted XXXX, Experian, and Transunion concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, XXXX  upon contact agreed to remove the ninety one inquiries on XXXX, sixty eight on Experian, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.

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 2020-02-29
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I paid my XXXX mortgage paymet payment via phone and payment was confirmed verbally by an employee on the phone. Two weeks later the money was still in my bank account so, I phoned PRMI to find out what happened. They stated that the routing number of my check by phone had been transposed wrong and they verbalized their error and were unable to take my payment by phone at that time as my payment was now late. I attempted to speak to corporate to try to resolve the issue and get back on track however ; they hung up on me. I later paid it through my XXXX account as I usually do and they reported me to the credit bureau for their mistake. I am concerned about a mortgage company not being up to date on routing numbers and this proves that their billing practices need improvement as we know routing numbers are common knowledge and this should not have even happened in the first place. I am again having issues with PRMI as I made my XX/XX/XXXX payment through my XXXX  bill pay and the did not accept payment. I phoned XXXX  and I have a proof of payment and their decline of my payment. How can a mortgage company refuse payments? I am concerned as they are affecting my credit by not accepting my payment and then reporting me to the credit bureau this is unfair and very concerning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
15 U.S code & 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this CFPB you did not handle my complaint correctly! You are helping these 3rd parties companies house illegal activities and information! You also didnt notify me of my dispute! Experian and XXXX is illegal housing information causing me hardship! I am the original creditor and I didnt not give no consent or permission to have these companies to report negative information on myself! That is against FCRA! I want to know what proper steps was taken to know how wasnt my dispute resolved? Can you show proof of how those negative collections belong to me? Can have the companies send me the account information? Like account records, with payment information as wells? original signing signature? Can u show me all the open dates, account details? I sent in cease-and-desist letters. I sent in all my correspondence to via certified mail. CFpb have Experian and XXXX send in all the paperwork showing that all proper step was taken to to investigate this complaint! Because right now you all illegally helping Experian and XXXX participating in fraudulent activities! I will take legal action against you all! Collections thats need to be removed are XXXX XXXX # Acct number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account thats is reporting .. All them accounts needs to be removed & discharge immediately! None of those accounts belong to me legally! All the information from accounts number and open dates and late payments are illegal and wrong! These items do not belong to me! So show me prove? What step was properly taken? Please have experian and XXXX provide proof of a lawful and legal investigation.

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 2020-02-29
Company: EQUIFAX, INC.
State: SC
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 do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted Equifax, XXXX, and XXXX   concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, Equifax upon contact agreed to remove the ninety one inquiries on Equifax, sixty eight on XXXX, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
To Whom It XXXX Concern, I have filed multiple disputes with Capital One in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

Capital One is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from Capital One stating that the account was closed on XX/XX/2023. As of my credit report on XX/XX/2023 the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in May. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/2023 and the account was closed in XX/XX/2023. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have Capital One accounts reflect the accurate date of closure ( XX/XX/2023 ) effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XXXX {$2400.00} XXXX XXXX XXXX OPEN XXXX {$4300.00} XXXX XXXX OPEN XXXX {$260.00} XXXX XXXX OPEN XXXX {$660.00} XXXX XXXX OPENS XXXX {$1000.00} XXXX XXXX XXXX OPEN XXXX {$1000.00} XXXX XXXX OPEN XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

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 2023-01-04
Company: Experian Information Solutions Inc.
State: LA
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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 explanation
Consumer complaint received 2022-11-01
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation