BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This company, SLS, bought our HELOC in XX/XX/XXXX. It took awhile to get everything to transfer over, but we finally had everything completed on XX/XX/XXXX when we deposited XXXX from back pay. Attached are 5 pages of transactions starting on XX/XX/XXXX and ending with XX/XX/XXXX. My balance increases daily, when the only transactions are DEPOSITS from my husbands employment. No one at the company seems to be able to answer any questions regarding what the wording on their forms mean, and when pressed for explanations, they say they will send an " inquiry '' to the accounting department. Then I am to call back in 7 to 10 days to find out the accounting dept 's response. I have done this once in the past, and when I called back 7 days later, there was no record that any request was even sent to accounting. And on pages 4 and 5, on XX/XX/XXXX and XX/XX/XXXX, there are so many transactions - reversals, single item receipts (? ), reversals, and Unapplied Funds Unidentified (? ). And all the time, my balance increases ( which means I pay more interest ) when it should be decreasing. Help me understand.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 XXXX XXXX XXXX. 

XXXX OF XXXX account # : XXXX XXXX Amount {$5.00} XXXX OF XXXX account # : XXXX XXXX Amount {$1100.00} XXXX  OF XXXX account XXXX : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: AZ
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 have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2021-07-14
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Citimortgage serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX days late. XXXX  is still reporting payments through XXXX of XXXX on a loan that was paid XXXX in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with XXXX  and citimortgage and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.

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 2020-11-27
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:
This is my second complaint to CFPB in regards to Experian and XXXX  Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from Experian and XXXX. 

I once again demand for the accounts from said company below be removed since Experian and XXXX can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither Experian or XXXX can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.

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 2023-03-19
Company: FORD MOTOR CREDIT CO.
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 XXXX Credit Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer cant furnish any account information without my written consent.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not owe a debt of {$30.00} to XXXX. This is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
XX/XX/XXXX I paid off account full balance work synchrony bank ( care credit ) XXXX was paid off total,XXXX  was paid on XXXX .on XX/XX/XXXX, I saw a late payment inquiry and my credit score was dropped 38 points and als my 100 percent payment record was dropped to 99 percent .on XX/XX/XXXX I spoke to XXXX and XXXX after reporting to them about synchrony charging me a late payment after I paid account in full XXXX before due date. I paid XXXX that following Friday after receiving the statement. 
Account was paid for in full after opening credit card not even a month into statements. 
They claimed it was an interested fee, a fee I confirmed was not on account after paying the whole account off.

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 2019-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Some 3rd party fraudulent XXXX account made more than a dozen unauthorized transactions ( total close to {$20000.00} ) into my Chase savings bank account. These transactions spanned over a period of 6 months ( XX/XX/2018 - XX/XX/2018 ). 

Upon reporting ( on XX/XX/2018 ) to Chase bank about the fraudulent transactions, Chase returned roughly {$1800.00} back which fell in the first 60 days of the first unauthorized transaction. Chase notified me that they are not able to recover any additional funds beyond first 60 days because they have liability for 60 days only and that ideally I should have called them within first 60 days of the first transaction. Since then I have added additional alerts on my bank account to monitor it more closely. 

I called XXXX right away and reported those same transactions almost the same time as I reported to Chase. XXXX requested me to go back to Chase bank and ask Chase Bank to file ACH return request. XXXX assured that as soon as they received the ACH return request from Chase they will return all the remaining funds back to me. 

After multiple follow ups, Chase finally filed ACH late return request to return the funds to the originating bank. However, Chase filed these ACH late return requests with XXXX XXXX ( another bank which had pulled the money in the first place ) and not XXXX ( who is the merchant ). Multiple Chase bank representatives assured me that this is the right way to do it and this is the only way Chase bank can do it. 

It's been more than 2 months since the ACH late return requests were made to XXXX XXXX but they have not responded. Chase Bank waits for 2-3 weeks for XXXX XXXX to respond and after that makes a new request to recover funds. However till date XXXX XXXX has not responded and I have not received my money even though XXXX have told me that they will return all funds. 

I keep following up with both Chase and XXXX every 1-2 weeks but I'm not getting much luck with either one of them. Often times I get different confusing answers from both Chase and XXXX. 

Many tell me that the fact that XXXX XXXX is not responding to Chase is not normal. One bank   ought to respond when the other is trying to talk. 

I need help from Chase, XXXX and XXXX XXXX to get my {$18000.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: Bay Equity LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2017, I purchased my current home through Bay Equity home loans. I was assured at the time of purchase, that all taxes and Melo Roos were impounded. After a year of having the loan, I received a letter from my current mortgage company stating a shortage in escrow. I went over my loan documents and found out that my Melo Roos were never impounded, as stated. I then contacted Bay Equity home loans. They acknowledged the mistake and offered to fix the escrow shortage ... Which they did. Then I was promised they would refinance my loan free of charge to correct the mistake that was made on their behalf because they didnt want a bad loan on their company. After providing all the necessary information that was requested, I was informed that they couldnt do the loan because of my debit to income ratio. I was assured that this problem would be fixed and they said it was nothing they could do. The only thing that I want was the original loan agreement that my contract states. I feel that its unfair to me that they left out the Melo Roos, so I would qualify for the loan with out my knowledge. If possible can you please provide information on who should I contact to resolve this matter. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank mistakingling i assume deposited my payroll checks from XXXX XXXX in the amount of XXXX and then my payroll checks in the amounts is over two hundred biweekly into my ex wives account instead if my correct account my ex wife has no financial association with me as i am now engaged and living with a new person these checks were able to escape my monitoring because i am so busy at work i can not always check my deposits but my fianc has brought this to my attention when i contacted chase they told me that i had to contact my ex and get tge money from her but i disagree she and i no longer speak nor would she give it back two three the bank is the one that made the mistake i was never listed a person on her account and should never had my funds taken I am tired of fighting with the bank i am now ready to take further measures this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
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:
Multiple names have been used to open accounts on my credit profile fraudulently.

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 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
A hard hit was added to my credit for capitol one on on XX/XX/2021. I've called capitol one and was given a customer reference number XXXX to submit to reference that I've reported that the inquiry was not authorized by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: SC
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:
Mailed in documents to Both XXXX and Equifax. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NY
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: MI
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:
Hello, this my second complaint. It is very disappointing that Equifax is not following the law. I have asked on multiple disputes for Equifax properly dispute the accounts in question. I have also asked Equifax to please send me a proper METHOD OF VALIDATION. I asked Equifax who they talked to, What email they sent to these furnisher, what was the dispute reasons, I asked Equifax to send me a copy of the responses the furnisher sent back. I also sent Equifax this ... ....

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully Equifax continues to ignore my demands

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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:
XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency XXXX, XXXX XXXX, and Equifax and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a letter in the mail on XX/XX/2018 from Radius global solution LLC that they are trying to collect some debt that I have never heard of. Contacted my insurance policy and they have never received any lab report from XXXX XXXX XXXX XXXX. The balance is way higher than it would cost with my insurance. 


I tried to reach out to them but their number bounces and the call wouldn't go through. 

Account # : XXXX XXXX XXXX : {$220.00}

Company response to consumer: Closed with explanation