BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RE : Specialized Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX My acct # XXXX My husband & I borrowed a 2nd mortgage from the above listed lender in the amount of XXXX in XXXX. This was d/t my husband 's near death experience & our massive medical bills. We were able to make a few payments but eventually had no funds to pay for the 2nd mortgage. In XX/XX/XXXX, my husband died suddenly or unexpectedly. I was scammed & mistreated during this period. I put our Condo on the market to be sold. It sold in XX/XX/XXXX. Near closing, I was informed by my attorney 's office, Specialized Loan Servicing company would take XXXX for payment owed. I was perfectly fine with this. But the attorney added, they will also be taking XXXX in interest, and late fees as well. I called the company and my Realtor called to beg this company not to do this, as it would leave me financially distressed. I closed on the Condo and took away XXXX from the sale. I'm a new widow. I'm scared. My husband is dead and gone forever. I'm also XXXX and try to work, but it's extremely difficult. I KNOW this company was informed of my XXXX & financial hardship. I lost. They got their money. I want the media to know this is a Predatory Lender. Don't borrow from them. This is so cruel and unkind. They didn't have to destroy me. I really want ppl to know what they did to me after the recent loss of my spouse. Please help me. I can be reached at : XXXX or XXXX. Please be aware I have contacted XXXX  of Colorado. They are investigating the matter. I have not heard anything specific yet from the XXXX. Thank you. Sincerely, 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 2023-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX of XXXX  checks were stolen from our mail box one was cashed in which the individual change the name of the Payee by altering the check. I bank with Chase and contacted them to put a stop payment on all the checks that were stolen. Only a check was processed by XXXX  XXXX XXXX for the amount of XXXX. I gave Chase all this information check number, amount and their staff put in the wrong information. This is what they claim reason why the check was cashed. Chase has not returned the money even though I bank with them and they told me that XXXX  XXXX XXXX is responsible. I need help in getting this issue resolved and money return. I gave Chase the information to place a stop payment on check. They didn't enter the correct information and now they keep pushing me along that it could take up to 90 days to resolve the issue. its been 365 days and issue has yet to be resolve. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'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 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 non-monetary relief
Consumer complaint received 2023-01-04
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: Their investigation did not fix an error on your report

Complaint:
Please see the attached documents regarding my complaint against EQUIFAX. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXXXXXX XXXX XXXXXXXX. I also filed a CFPB complaint against XXXX XXXX in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Equifax last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Title loan
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2019-04-25
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 do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive submitted documentation to Lexis Nexis, XXXX, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and lexis nexis. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.

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 2022-09-13
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021, my husband and I were struggling financially because of reduction in income, due to the Covid-19 pandemic. We contacted our bank PNC, and requested assistance with our HELOC. We were advised over the phone that we could take advantage of a forbearance program, lastly 3 months, which would temporarily cut our payments by 50 %. We elected to participate in the program over the phone. We did not get paperwork detailing the terms or possible negative consequences of the forebearance. We made our partical payments XXXX of 2021, and resumed normal payments in XXXX of 2021. After the forebearance period ended our drawing privledges on our HELOC were revolked. We were not aware this was a possible consequence of the temporary forebearance. I contacted PNC and they said we could apply to have the drawing privledges reinstated, we have applied twice and been denied. This signifcantly harmed us financially, we were counting on using the funds available from the HELOC to pay off high interest credit card bills. We also noticed our HELOC monthly payments were increasing, so we applied to " lock-in '' the rate as per our terms and conditions of our HELOC, only to be informed the loan was no longer eligible for a rate lock, and is no longer a HELOC, but is now a variable rate mortgage, without the option of a rate lock. This is absolutely devastating. We can not afford to pay the increased monthly payment. We would NEVER have agreed to the forebearance if we knew the full ramifications of doing so. We need access to the equity in our HELOC, and we NEVER agreed to have it converted to a variable rate mortgage! PNC took advantage of us, and did not fully inform us of what we were agreeing to, or the possible permanent, and profoundly negative consequences. 

I contacted PNC bank on XX/XX/XXXX to dicuss my concerns, and try to work towards a resolution, but I have been unsuccessful. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I have been having financial issues. I have called the company Freedom mortgage for help to keep me from being late. No followed up. My payment changed in XX/XX/XXXX which I did not know so I was short XXXX bucks and considered late. I called about getting paperwork to refinance my home the following month is when I found out. I tried to get this resolved and paperwork for three months. I also have been having to pay my mortgage in payments as I get it but always get it to them before the end of the month. The way they apply my payments has started to make my account look off. They are also posting payments several days after they receive but continue to say they post same day they receive. However, I am Positive they do not. I am a bk   person whose mortgage was not reaffirmed. So with that being said they have told me they dont send statements but every now and then, they dont update my online account every now and then, wont give paperwork work to refinance, but will tell a refi company Im late on my payments. I am in a adjustable that i need out of and I want to leave freedom mortgage they are horrible at helping and handling my account. I have called every month for help and every time I am told something different and only given scripted answers and nothing is ever resolved. As a veteran and customer this is disappointing of how I am treated and how they are hindering me from getting my house situation together and KEEP MY HOME! Their practices are horrible and I know I am not the only one who feels this way. I have had my home for 8 years and have never been late or considered late up until now! I want this fixed and to get away from these predators!

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 2019-12-03
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a call from Transworld Systems , Inc. attempting to collect a debt for XXXX  XXXX  in XXXX, SC of roughly {$300.00}. I told the representative that I did not have a debt with them as I paid off my final bill in XX/XX/2019 after I had moved out in XXXX of 2019. The representative acknowledged that I did indeed make a payment on XX/XX/2019 but this was a new debt submitted to the collection agency by XXXX XXXX  on XX/XX/2019. I told her it was impossible to accumulate additional as I no longer resided in XXXX. The representative advised that I reach out to XXXX  XXXX  directly to find out what the debt was for as the representative at Transworld Systems , Inc. stated XXXX XXXX  did not provide any details regarding the debt. I insisted that they had the wrong person and she asked me to confirm my information which I did. She basically said it is my debt and that if I dont pay it it will be reported to credit agencies. On XX/XX/2019 I contacted XXXX XXXX  and confirmed with the lady working at XXXX XXXX that I do not owe any additional debts to them and she advised me to confirm the debt collection agency was legitimate. She forwarded me a copy of my ledger which showed I had a {$0.00} balance on my account. I called Transworld Systems , Inc. and again informed them that it wasnt my debt and I have written confirmation from XXXX  XXXX  that I could forward via email. The agency stated that they dont do email correspondence and that I could either mail or fax it in. I faxed it in twice and called to confirm their receiving. So far they say it has not been updated yet and they cant give me an estimated time for it to update. Simply, this is not my debt, I have confirmed this is not my debt, and have done my due diligence to submit documentation requested by the debt collection agency without resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a notification on my credit report about a company putting something on my credit report I knew nothing about and while doing research the company isnt licensed to collect debt in the state I am residing in which is North Carolina

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: SC
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:
According to 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. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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 with 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 explanation
Consumer complaint received 2021-11-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During the stated time the account was said to be open ( XX/XX/XXXX ) and up to now, I've been trying to get XXXX XXXX XXXX to give me more information and the validation of the debt. Moreover, they immediately sent the loan into collections without giving me time to see what the issue was. Unfortunately, I was charged an outrageous APR at the time, and there were no attempts to check in on what happened. During this time, I was going to a stage of financial hardship, and having this go through collections dampened my ability to get further aid as it lowered my credit score. I looked through my records, and it appears as though the attempt to collect debt was at XX/XX/XXXX. 

While this was only a small amount of debt ( XXXX ), but the collection hurts my overall credit score despite the fact that I have already cleared the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.

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