BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After reaching out to the servicer yet again for a status update on the cancellation of the prepaid PMI it appears that their systems are so reckless that they apparently have no idea what I am talking about even though : ( a ) in Complaint XXXX ( attached ) they told me and the CFPB that they had initiated the process to allow us to have the prepaid PMI cancelled and refunded ; ( b ) they ordered the BPO which demonstrated we have enough equity to cancel the PMI ; and ( c ) there have been multiple CFPB complaints about this issue. 
This servicer replied yesterday ( XXXX XXXX ID : XXXX ) saying : Thank you for your inquiry. Our records do not reflect the account having BPMI, and no disbursements out of the escrow account in the last XXXX years. It is our pleasure to assist you. '' We know there is no PMI being paid out of escrow. This is about a prepaid policy that can be cancelled and proportionally refunded. How is that so difficult to understand? 

This servicer should not be allowed to service the loans of federally-backed XXXX XXXX XXXX XXXX They just take money while being incapable of doing anything remotely different or complex.

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 2019-03-09
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is specifically with Experian. First of all it is impossible to talk to a human being, I tried several times and even tried a hack on the Internet ( pushing XXXX instead of XXXX ) and none of them work. I tried to temporarily lift a freeze on my bureau so I could apply for a loan. I tried online and it refuses to accept my User Name and Password ( I know it is correct because I wrote it down and place in my safe when I put the freeze on ). When I ask to have my user name emailed to me it accepts but I never receive the email ( requested XXXX times over the past 12 hours ). I call the " Customer Service '' number and I get a machine. The machine permanently removed the freeze instead of temporarily suspending it. I tried to fix and since it is impossible to talk to a person I was unable to do so. This company needs to be put on your hit list to fine billions of dollars like you do the banks! At least banks have a customer service department that tries to actually help their customers. Credit Bureau 's seem to think they are immune to any sort of responsibility to their customers! This has got to stop!

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 2019-10-08
Company: EQUIFAX, INC.
State: AL
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:
I sent my dispute letters to XXXX, XXXX, and Equifax showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received correspondence from a company called Calvary SPV I, LLC.

Their correspondence claimed a debt that may have allegedly been owed using my name. This corporation then proceeded to file an alleged debt on my credit report without my consent. 

I asked XXXX XXXX to provide me with an original contract with my wet ink signature that has obligated me to pay any alleged debt. She has failed to provide any. 

There is no contract signed in my name that binds me to this Calvary SPV I, LLC corporation. This has led me to believe that Calvary SPV I, LLC and its agents may be operating in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i received a text stating that there as fraud activity on my bank account then received a call from what showed as td bank number and then person said to accept text to reverse the transactions and which they gained assess to my account and XXXX {$2300.00} by using XXXX  and td bank refuses to give me my money back. And there is supposed be $ XXXX  day limit using XXXX and they were able take {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: WI
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:
Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date

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 2018-08-19
Company: EQUIFAX, INC.
State: MI
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:
Every credit report ( all 3 XXXX, XXXX  and Equifax ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX  balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after XXXX requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all XXXX bureaus and nothing has been investigated, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: WI
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:
Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: CO
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:
Both XXXX and XXXX have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

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 2023-04-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MI
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 sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$800.00} XXXX XXXX XXXX  XXXX Balance : {$290.00} Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX that are UNKNOWN to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM SOUTHWEST CREDIT SYSTEMS FROM XXXX XXXX XXXX PROGRAM XXXX IN REGARDS TO AN ALLEGED DEBT FOR {$240.00} OWED TO XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE ACCOUNT TRANSACTION ACTIVITY SHEET SHOWN AS EXHIBIT A IS NOT CORRECT. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX, PA XXXX IN MY LIFE. LASTLY, SOUTHWEST CREDIT ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) SOUTHWEST CREDIT ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, SOUTHWEST CREDIT ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$480.00}. LASTLY, SOUTHWEST CREDIT ARE VIOLATION OF 15 USC 1692B ( 5 ) AS WELL AS 15 USC 1692B ( 2 ) BOTH MARKED AS EXHBIT B & C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted Equifax numerous of times a day for the last 3 weeks in regards to my credit report. I havent been able to access my credit report from My.Equifax.com. I notified Equifax that I cant access a copy of my credit report and score from no other credit reporting companies either. Equifax continues to transfer me around then telling me to send a copy of my ID and identity proving documents. I faxed this information over to Equifax and Ive continued to call and get transferred and him up on. I asked for supervisors and no one is never available and they place me on hold for hours at a time before ending the call. 

I request my credit report and score be fixed immediately. I request a copy of my credit report and score be mailed to me immediately as well. 

Equifax is violating all laws in regards to my credit report. They are basically refusing me my report, my score, and access to my credit information. 

If this information isnt corrected, I will proceed with legal suit for violation of laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IL
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Cashapp has a check cashing feature. The feature was absent on my instance of the app. 
I contacted support to inquire about why I didn't have the ability to cash checks. They denied me access to the service and refused to give me any explanation as of why. They only said it is not overridable. I suspect they are discriminating against me, so I would like an explanation as to why other users are able to cash checks on cashapp but I am forbidden. 

Also, their fees are obscene and I suspect they are cheating me on my daily buys by using bogus price quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim of identity theft and Ive file many disputes to remove these files on my credit report. Investigation did not fix error on my 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 non-monetary relief
Consumer complaint received 2021-03-01
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, XXXX, Transunion .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.

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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.

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