BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been since XX/XX/2019 requesting to have a mortgage through Specialized Loan Servicing be reported correctly on my credit bureau. I have disputed this several times with all parties and to date this is still reporting illegally and incorrectly. I'm in a back and forth between XXXX  and SLS about the final status of this mortgage. SLS responded to cfpb in writing that they have instructed all credit bureaus of a paid in full on this account and to date it has not reported that way on my credit bureau. I paid a mortgage off in full and its being reported " settlement '' or less than full balance. When I called XXXX  they ask if the sale was a short sale, I told them absolutely not. They said SLS was still reporting account as a short payoff of!!

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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans Union continues to report companies with {$0.00} balances as delinquent such as XXXX XXXX, XXXX XXXX   and XXXX XXXX.

It is also reporting multiple inquiries to whom a lot of have given no consent to run my credit.

It is also reporting a new account XXXX XXXX XXXX that I have had no contact with and am not the designated owner of the 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 explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for Experian XXXX XXXX and XXXX. Experian shows 180 days late, XXXX XXXX shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. XXXXXXXX XXXX XXXX was not the loan servicer for frame reported and is incorrectly reported on my account. XXXX XXXX  is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for Experian only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to XXXX XXXX purchasing my mortgage loan removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between XXXXXXXX XXXX XXXX up until currently I was out of work due to Covid and now Ive suffered a work related injury. When I tried explaining that to Wells Fargo and also asking for some type of understanding and leniency they ultimately told me my account would be closed. Furthermore I had fees that kept piling up time after time when Im drowning financially waiting on workmans compensation to backpay 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 2019-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have issue a with XXXX XXXX XXXX that XXXX has issued a fraudulent charge to XXXX XXXX XXXX that I authorize at the purchase of appliances ( washer, dryer and vacuum ). All three were supposed to be charged to my XXXX XXXX XXXX XXXX XXXX. The vacuum was charged but the water and dryer was charged to XXXX XXXX XXXX card that I didnt knowingly approved nor use to charge for the appliances. 

I contacted XXXX XXXX XXXX for 6 months terminate this card and charged the total balance to my XXXX  cards and removed the fraudulent late payments and two 30 days derogatory late notices. They removed the late fees and 1 late notices. But refuse remove the one remaining 30 late payment on all 3 of credit agencies. They also refuse to allow me pay off the balance of the credit debt.

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 2018-02-09
Company: ID Analytics, Inc.
State: CT
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:
Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX   because no one can keep our information safe. 

I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX  as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. 

My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? 
- Who is XXXX XXXX XXXX? and why has no one heard of them? 
- There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. 
- I called XXXX XXXX XXXX and all I got was a Voice Mail box. 
- People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. 
- XXXX XXXX  is tied to many of the companies online and many people have received letters from XXXX like I did. 

To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! 

I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. 

Date of transaction - XX/XX/ XX/XX/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 2023-09-27
Company: GOLDMAN SACHS BANK USA
State: MI
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 



These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Below is the list of companies that I contacted due to the enormous amount of unauthorized inquires that is on my credit report. I contacted these creditors only for them to tell me that there is no open credit card in my name and they do not see the inquiry on there end and for me to dispute it with the credit bureaus. I disputed all of the accounts listed below with the 3 credit bureaus ( transunion, XXXX, XXXX ) all of them came back as verified. The cra 's DID NOT VERIFY anything because I  talked to all of the companies before disputing. The inquiries are fraudulent and I want them removed immediately! This is my last and final attempt to resolve this issue before obtaining legal advice. These unauthorized inquires is a strain on my credit and I am in the process of looking for a home. Do not send me some pre-made letter again stating this was verified because that is a lie! No one from the cra 's called any of the creditors to validate this information because they do not have it in there system. I have listed the names and phone numbers of the creditors to contact concerning these erroneous accounts. Here are the inquiries that need to be removed immediately : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Contractors ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX  XXXX   XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( 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 2019-12-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LN # XXXX To whom it concerns : My Loan was purchased by Lake view loan servicing LLC XX/XX/XXXX. I made changes to my bill pay and auto payment through my bank.. Fast forward, My XX/XX/XXXX payment went out as usual. The statement arrived and show that I had a late fee and the payment was over due. I call loan care immediately, I called my bank. Long story short. 
The loan payment had been going to an account number not the loan number. I went round and round on the phone, finally spoke with a supervisor, a XXXX XXXX. Well he got most of my issue straight. The XXXX payment did post the missing money was found. 
My XXXX payment went out on the XXXX of XXXX. The money got refunded to my account thanks to Mr. XXXX. 
So, for XXXX payment, I had my bank send a check. ( accelerate XXXX payment ) The check was to arrive by XX/XX/XXXX. I have called lakeview loan servicing. They can not answer to where the check is. nor an accurate time line to process. I ask about the late fee? Well payment is due by the XXXX. '' Late fees are automatic. You might get a one time waiver '' The front line phone people have no answers but get the money ... 

1. It should take 7-10 days to process my check 2. The check has been there for over a week. It has not posted 3. late fees automatic? I'm not late, its their process that's late. 
4. There is no continuity to correct problems.. Every time you call, get a new employee and issues start all over and no one knows what to do. just follow script for answers to the customer .... 
I

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.

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 2023-02-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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:
My identity was stolen in the past and I have recently noticed items on my credit report that dont belong to me. Please close these accounts and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: FORD MOTOR CREDIT CO.
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:
My identity was stolen. A police report has been sent several times to this company. The other two major credit bureaus have removed them for fraud. Ford Motor Credit continues to report on a fraudulent closed account. A police report has been provided on several occasions. This fraudulent closed item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Colony Brands, Inc.
State: AR
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:
ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXXOLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY  XXXX, AND XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attempted to order a refrigerator through Sears online in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of 2019. acct syw  mc/cbna # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.

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 2023-09-13
Company: ProCollect, Inc.
State: GA
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 should not be on my credit report as the Bankruptcy courts do not report to the credit agency.. this should not be on my credit report.. this needs to be removed immediately. 

As I have not heard back from you in over 30 days since my notice of dispute dated XX/XX/1999, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

this in not permitted by law.. Please have this removed .... this needs to be removed from all three credit bureaus

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 2019-12-16
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my mortgage note was recently transferred to LoanCare. Why, as a consumer, do I not have a say in the company servicing my mortgage? I have had several mortgages in my lifetime and all of them have been consistent with one another until now. I had no say in the matter and as of now, have no choice but to accept LoanCare as my current mortgage servicer. The problem I have is that I have become accustomed to the grace period of 16 days. Monthly mortgage payment is due on the XXXX of the month and considered late if payment not received by the XXXX of that month. Now that I am stuck with loancare, and have no choice, I am being charged to make a payment unless I apply for auto withdrawal out of my account or make an online payment by the XXXX of each month. How is this possible? I have been paying my mortgage on time by the XXXX for years. All of a sudden out of nowhere, the servicing rights of my mortgage change and now I have to pay a fee in order to make a payment? This is absurd. How is it not law that servicers can not charge a fee unless payment is received after the XXXX of the month? It should be the same across the board. I don't want to work with loancare. I want a new mortgage servicer. How do I make this change? Please advise as I refuse to pay a fee if I want to make a mortgage payment on the XXXX of each month.

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