BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sold my home last XXXX and sold at a profit. XXXX XXXX transferred this loan to Specialized Loan Servicing. When I sold my home XXXX XXXX reported as Paid XXXX Balance. Specialized Loan Servicing reported as a Paid Foreclosure. I am trying to purchase a new home and my lender can not get a DU approval due to the way they reported. XXXX XXXX has done a conference call with me and Specialized Loan Care and they changed the reporting on a Credit Supplement as Paid Loan. I let them know that needed a letter on their letterhead to be sent to me so that I could get this change made by the Bureau 's. They refused to send me a letter. They have told me that they will make this change but as of today I have not been able to obtain evidence of this. I have been working on this for over a month and have not really received much help. I feel as though they are stringing me along. I have the credit supplement that shows they agreed to the change but still have no guarantee that they will follow through to the Bureaus. 
I called XX/XX/XXXX, XXXX again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX 2 x and Spoke with XXXX XXXX  and SLS together XX/XX/XXXX, XXXX & 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 2020-11-25
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX a Veteran an and myself bought home at XXXX XXXX XXXX XXXX XXXX TN XXXX WE REQUESTED THE FULL360 forbearance in XXXX XXXX the house has been put on auction four times in violation of cares act. TMS ALSO sent bill for all arrearages. THEY REFUSE TO GIVE FORBEARANCE FOR 360 period. 

House on saleXXXX XXXX XXXX XXXXXXXX AND XXXX LIES ABOUT RIGHTS  AMD LAW WE DEMAND FULL 360z

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX I was a victim of extreme identity theft due to Equifaxs negligence and continual refusal to correct and protect my personal information and credit resulting in many years of financial losses. The address they refused to remove from my credit file and never belonged to me matched that of the student loans originating from an individual in XXXX XXXX at the probation and parole office. It wasnt until the data breach class action suit in XXXX that Equifax finally cooperated with this removal of the address but I still fight the loans. This situation is what leaves me infuriated, helpless and terrified with what occurred last week. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from XXXX XXXX advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX Auto Sales in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. Equifax, however, though no freeze had occurred since XXXX, showed a hard inquiry from XXXX on the date on XX/XX/XXXX and worse, my current address had been changed to an address I had lived at from XXXX. I immediately submitted a dispute. On XX/XX/XXXX I received the dispute results to which my hard inquiry removal was denied despite my statement of the freeze at that time. My address status was not changed. At the top of the dispute report my current address reflects what I requested and had previously reflected but below in the personal data section it had not been changed. 

Furthermore, XXXX gave me the XXXX XXXX for reporting credit agency listed on the adverse action letter, XXXX XXXX, whom Ive never heard of, and advised I reach them in this matter. I sent an email stating my concern and demanding that all information they have obtained and released on me be rescinded and that I be removed from their records. Their representative replied with a request to call her and I declined. A week later I was sent an email about an investigation that was not reassuring and slightly accusatory and threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: R.M. Jackson & Associates, P.C.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a call from XXXX at R M Jackson & Associates Pc about a debt that is or is not real and over 7 years old last week. I asked him not to call me during work hours, please call me after XXXX to ensure that i am not at work. He called the next day and I was not able to answer the phone, he left a message. Today he called the main line of my work and asked to be transferred to me. He left me a voicemail on my office line phone and when i called him back I told him I asked him not to call me during work hours and asked how he got my number at work to my desk not my cell phone. His response was that it was his job to know where I was and his job to track me down. So he tracked me down and called my land line work number. He also told me when I asked what this would do to my credit report if I paid it off that he was not reporting this to any credit report. All of this i find to be troubling over a debt that is at least 7 years old and he will not verify to me other than it is for a vet office for a dog named puddles ( a dog that died well over 7 years ago ). How he has the info he does on me is worrying to me and I am not okay with him calling my office to talk to me and asked him not to contact me during business hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Around XX/XX/2023 I started getting email stating welcome to bank of America. The emails were saying here are the details to your new checking account. I thought it was a spam email and didn't really pay it any attention. well a few weeks later I got a new debit card from bank of America. I called bank America right away. I told them it wasn't fraud they said they will closed the account. Then I got a a letter in the mail asking me to send in my ID and more info regrading this account. I didn't trust it why would i have to give them more of of info if they fraudulently using my personal info. I didn't send it and they never closed it. when they finally closed it it was because of inactivity. at least that's what the email said.

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 2023-08-16
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
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:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fl 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 2023-02-16
Company: Bliksum, LLC
State: CA
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:
LoanMe has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company reported on my personal credit file and this is NOT mine. I called them and they advised me they can not give me any information. THEN WHY are they reporting it on my personal credit file. This is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I reviewed my XXXX XXXX and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account Number:XXXX  Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Cash advance

Complaint:
Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. 
DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. 
Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? 
Why is it so difficult for corporate America to do the right thing. 
Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. 
Would n't you use all of your corporate knowledge and assets to find the truth? 
It 's data. It 's stored. It 's in your possession not mine. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information about the status of my Federal Student loans is being reported incorrectly to the credit bureaus from XX/XX/2020 onward. The loans are in forbearance because of the XXXX relief bill that was passed and extended. These loans show on my credit report as being in collections instead of being in forbearance. This has negativity impacted my credit score by the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affecte by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated my Federal Student Loans with XXXX in XX/XX/2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.

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 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Had a Capital One credit card account. Paid offin XX/XX/XXXX. Balance was XXXX. I believe I requested the account to be closed. Since XX/XX/XXXX, unauthorized carges appeared. Now the total charges arr about {$170.00}. Asked them to remove the delinquent reporting as these are fraudulent charges. They wo n't do it and are saying that these are my responsibility and all they could do it mark it as satisfied if I pay the entire amount which were again, unauthorized. I asked them if they would remove these reportings if I make the full payment even though these are fraudulent as i do n't want to invest too much time for something less than {$200.00}, but they wo n't remove the reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Shellpoint Partners, LLC
State: TN
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:
This will be my second complaint on Shellpoint Mortgage Servicing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX / XXXX New Rez XXXX XXXX Owner of loan and they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Shellpoint took over this mortgage on XX/XX/XXXX. At that time I was not aware of this having relocated to Tennessee the first of XX/XX/XXXX and not receiving any notification. Payments were made to XXXX XXXX but Shellpoint did not acknowledge said payments showing late payment on my credit report. Shellpoint was paid in full on XX/XX/XXXX according to their payoff letter. Shellpoint first refused to acknowledge that they were even paid through a wire transfer made by XXXX XXXX on XX/XX/XXXX. It took until XX/XX/XXXX for them to agree and to accept the payment so the loan was paid off in full. It has now been sixty days since they were paid off. They refuse to update with the credit agencies showing the account was closed and remove the two late payments of XX/XX/XXXX and XX/XX/XXXX. I have made numerous requests and my credit is still showing late and account still open sixty days after they were paid in full. This is keeping me from getting a mortgage on my new residents. They continue to tell me the Paid In Full letter is not ready along with not showing accurate late payments and closed accounts to the credit agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX, XXXX/DEPT OF ED : XXXX, XXXX XXXX XXXX : XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instruction 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 the of convictions of crimes which antedates the report 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 agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to prison in XXXX! And they repo my truck and they are still reporting this as a miss payment each month. I need to know how to get this issue taken care 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