BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Unacknowledged Qualified Written Request and Request for Information - In XX/XX/XXXX, the prior servicer ( 23 months after being the servicer ) both altered the mortgage summary in a historical document ( from a XXXX balance ) as a " correction '' pursuant to a reversed prior decision fixing a previous servicing error. ATTEMPTS TO FIX THIS : I called three times and Specialized Loan Servicing, LLC ( " SLS '' ) refuses to even enter either the Qualified Written Request or the Request for Information or acknowledge these requests even exist. I was told a supervisor would call me, but this also never happened. HISTORY : Before the change in servicer, I filed a servicing error dispute with SLS claiming they had agreed to a lien release in XXXX. FACT No. 1 : On XX/XX/XXXX, the dispute was sent to their " legal department for further research. '' See attached " SLS_XXXX XXXX. '' FACT No. 2 : On XX/XX/XXXX, the new servicer took over the loan. See attached " XXXX Corrected Notice of Servicing Transfer.pdf. '' FACT No. 3 : On XX/XX/XXXX, SLS issued a XXXX Form 1098 with a XXXX  balance left owing after deducting the amount credited for the borrower. See attached " XXXX Form XXXXXXXX. '' FACT No. 4 : On XX/XX/XXXX, SLS admitted : " the lien release described in my dispute was not in error. '' They asked the new servicer to liquidate the amount owing. See attached " SLS_XXXXXXXX. '' The new servicer refused. FACT No. 5 : On XX/XX/XXXX, SLS again verified " the lien release for the loan ending in XXXX described in my dispute was not in error. '' They again asked the new servicer to liquidate the amount owing. See attached " SLSXXXX. '' FACT No. 6 : On XX/XX/XXXX, SLS sent a generic letter changing the zero balance on their historical XXXX Form 1098. See attached " SLS_XXXX '' at pg. 3. FACT No. 7 : On XX/XX/XXXX, SLS confirmed the alteration of the historical document was based upon a change in their holding there had been a prior lien release agreement. See attached " SLS_XXXX. '' UNACKNOWLEDGED QUALIFIED WRITTEN REQUEST : On XX/XX/XXXX, I requested a copy of the documents used by SLS in changing their decision on the lien release servicing error dispute. See attached " SLSXXXX. '' UNACKNOWLEDGED REQUEST FOR INFORMATION : On XX/XX/XXXX, I attached an " XXXX  '' document wherein someone alerts ( " Organization '' ) a.k.a. XXXX ( SLS parent company ) of their altered XXXX Form 1098. There is an argument about whether it is proper to back-date the XX/XX/XXXX XX/XX/XXXXForm 1098 document to XX/XX/XXXX. XXXX states the changes to the historical document were at my ( " recipient 's '' ) request. And so, I request the information wherein I make such requests. See attached " SLSXXXX. ''

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 2019-03-13
Company: Experian Information Solutions Inc.
State: ID
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:
Experian was contacted and reports to me as a consumer that my student loans are in closed status as I am still in my 3 year review period from XXXX XXXX XXXX XXXX   Discharge. The review period ends on XXXX XX/XX/XXXX. But the Credit report given to a potential creditor on a hard pull of my credit still lists my student loans as delinquent and not in the closed status. The Credit dispute  procedure was followed by me with Experian online in previous weeks and months. I rechecked my credit report with a local credit union and the delinquent student loans are still included in the information that the creditor receives but not in the information I see on my Experian credit report I am shown by my Experian consumer account. This information is used to deny me credit contrary to the laws of the Consumer Fair Credit Act. I disputed the Experian account in XX/XX/XXXX and I checked the status today on XX/XX/XXXX. The Delinquent account status is not supposed to be there according to my understanding of the XXXX when I received a TPD discharge of my loans in 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 confidentiality under 15 USC 1681. 
Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 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 non-monetary relief
Consumer complaint received 2018-04-14
Company: EQUIFAX, INC.
State: OK
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:
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and XXXX and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a personal school loan in the amount of {$36000.00} with Sallie Mae. Sallie Mae has charged me late fees because i have been latte with payments because I am not able to make the current payments. Sallie Mae has never contacted me directly. They have only called my co-signer with an automatied system. Because of Sallie Mae negligence. Sallie Mae reported my loans to the credit reporting companies as defaulting. So now they have ruined my credit rating and my co-signers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have three Items that do not belong to me on all three of my Credit Reports ( XXXX, Transunion, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. Over a month ago I sent certified letters to all three bureaus ( XXXX, Transunion, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX XXXX XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).

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 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, {$3100.00} was charged on my Capital one Credit Card. It was rent for an apartment for the month of XX/XX/XXXX. The Real Estate Agent refused to allow me to see a copy of the Lease before making the application and deposit. I relied on Capital One to return my deposit in the event the Real Estate Agent did not deliver the apartment as agreed. The Real Estate Agent did not deliver as agreed because she submitted to me a Lease that had different terms and conditions than what she promised. I immediately asked for my deposit back and she refused. I asked Capital One to cancel the transaction. Capital One initially credited my account, but reneged stating that I did not show them proof that the owner did not approve the Lease. I spent more then 2 hours with Capital One on the telephone during several calls trying to get them to re-credit my account. I explained to them the following : The merchant lied in their response to Capital One in saying that the application and deposit states there will be no refund. The deposit application clearly states '' the down payment is refundable to the applicant in the event the application is rejected by the apartment owner '' The merchants response contains a second lie when it claims the client canceled at the last minute. The request for the refund was made within 24 hours of delivery of the Lease with different terms and conditions then was agreed upon. The merchants delivery of a Lease inconsistent with what was promised is in fact a rejection of a application and a counter offer to Lease on different terms and conditions. Therefore, under the terms of the application, the deposit should be refunded. I never received the apartment even though I paid in full for it and there was never a Lease signed. The merchant refused to present the Lease with the application and then later presented a Lease with different terms and conditions which was never signed. Capital One needs to re-credit my account in the sum of {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
URGENT! MY MARCUS ACCOUNT IS FROZEN I transferred my funds from XXXX XXXX and XXXX Bank to Marcus by Goldman Sachs. Shortly thereafter, I entered into escrow to buy a home. Now, Marcus has frozen my account with {$260000.00} in it. 

Marcus says they won't release ANY of my funds until they can verify the account ownership of my XXXX XXXX  account ( which is now closed ) where SOME of my funds came from. They verified ownership of my XXXX Account where the rest of my funds came from, but they won't give me access to those funds either. 

XXXX Bank is in the middle of a merger or reorganization and can't be reached by phone due to 100 plus minute wait times that never get shorter. I have spent hours on the phone with Marcus. 

Marcus said they could also verify ownership of my former XXXXXXXX XXXX account by a copy of an account statement, but it had to be sent by mail. 

I sent them a copy of my XXXX bank statement by XXXX Mail XXXX. According to the tracking number XXXX it is " ready for pick up '' but no one at Marcus can guarantee that my funds will be available to wire in time for my escrow close. Meanwhile, I need immediate access to these funds in order to fulfill my escrow obligations or I may lose out on my purchase and forfeit my {$21000.00} deposit. 

Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial 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: Account status incorrect

Complaint:
Due to a divorce and XXXX treatments in eary XXXX, i was unable to keep up with a commitment to pay Comenity Capital Bank XXXX XXXX  XXXX XXXX  ) for tutoring services provided to my daughter. In appx XX/XX/XXXX, this debt was then sold to another company XXXX XXXX XXXX, XXXX  In turn, XXXX XXXX XXXX hired attorney firm XXXX XXXX to collect on the debt. In XX/XX/XXXX, I was able to pay off the balance directly to XXXX XXXX in two payments of {$460.00}. In XXXX and XXXX of XXXX, I spoke with XXXX XXXX  and XXXX XXXX regarding how my account was still being furnished as an unpaid charged off in an active collections status. They both indicated i would need to speak with Comenity Capital Bank XXXX XXXX XXXX XXXX ) regarding the credit furnishing since they were the actual company showing up on my credit report. I spoke with Comenity Capital on appx XX/XX/XXXX in which i was informed since i previously disputed the account, they could not update the credit furnishings. i spoke to them again on XX/XX/XXXX and was then told they could not update the account status because they sold the debt. i advised them per the Fair Credit Reporting Act that they had to furnish complete and accurate information and what was being furnished was not correct. There seems to be a process gap in between the original creditor and the buying company on communication as to when a debit is settled in full/less than half. it is u fair to me as a consumer to have my credit report reflecting i have a unpaid debt with Comenity Capital when i do not! please have them review my credit furnishings and update to reflect the account was settled instead of in collections/unpaid charge off. i am not sure if the coding sent to credit bureaus is incorrect or if the remarks/account status require updating, regardless, my credit report should not show as an unpaid charge off. i understand that once the debt was sold the balance was decreased to XXXX. what i do not understand and think is unfair is to not have my credit profile correctly reflecting the account was paid. i have previously disputed this but i do not think the company is truly investigating my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a XXXX XXXX thru my daughters XXXX XXXX account ( XXXX XXXX, order # XXXX ) with my Chase Amazon card ending in XXXX at the beginning of the year. I tried the bed for a month or so, but I couldnt adjust to it. I made 2 minimum payments while trying it out. I called to return before the trial period was over. Im enclosing the receipt from XXXX authorized rep. of the bed being returned. He said that it would be donated. 
The next bill I received still reflected the balance. I called Chase Amazon to dispute ( prematurely ). The next bill reflected a XXXX balance, but the next bill had the balance re-applied. 
After many hours on phone with XXXX, they had me contact 3rd party XXXX. Im enclosing their response of the investigation. Chase XXXX refuses to credit me. Someone has the money. I have a bill for a bed that I dont have. Nobody wants to take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: VA
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  Account, XXXX XXXX XXXX  account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX  XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-04-07
Company: FIRSTBANK PUERTO RICO
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander of Puerto Rico dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX XXXX  demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks 30 60 days late with this bank. 
Santander of Puerto Rico was sold to First Bank of Puerto Rico therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down 100 points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments 30 and 60 days from 2 diff banks and a XXXX score )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: OH
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: Information that should be on the report is missing

Complaint:
My name as first and middle name is changed and they have my new name but they continue to use my old name and when they look into my social security or BMV in Ohio and my new name appears and they won't acknowledge my new name and I dispute it with them and they said that my dispute was settled and they are keeping my old name on their information and it's missing up my credit big time and the company is Experian.com they are a credit bureau firm .... I called them on updating them on all of my updated information and they corrected everything but my first and middle name... if u were to call social security or BMV in Ohio they would have my updated info like my name and where I live and etc...

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 2021-04-29
Company: Experian Information Solutions Inc.
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:
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden XXXXXX/XX/XXXX card account. To this day the company continues to report to Experian and XX/XX/XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Santander Consumer USA Holdings 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:
XXXX credit reporting is reporting erroneous information after disputing them, they will not remove an closed account that's paid in full.

Company response to consumer: Closed with explanation