BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Specialized Loan Servicing ( SLS ) sent an Escrow Account Disclosure Statement, notifying me that my escrow account would have a shortage of {$21.00}. The statement specifically stated the following : Since there is a shortage in your account, a payment coupon is attached to the bottom of this statement if you choose to pay the shortage in full in a lump sum. If you do not wish to utilize this coupon, we will adjust your payment to make up the difference. 

I elected not to pay the shortage in a lump sum and began paying the new monthly payment of {$2300.00} that went into effect on XX/XX/XXXX. 

Rather than properly applying my {$2300.00} XX/XX/XXXX payment to principal and interest, SLS blatantly ignored their own letter and applied my payment to a suspense account so they could continue to charge me interest on the higher principal balance. I also received a notice from XXXX XXXX   that my credit score had recently suffered a significant decline. When I researched the cause of this decline, it resulted from SLS falsely reporting my mortgage payment being 30 late. Their false reporting to XXXX caused a 57 point decrease to my credit score! 

Ive provided copies of all relevant documentation for your review. This isnt the first time Ive had problems with SLSs incompetence and outright fraud. One year ago, SLS threatened foreclosure action against me, ignoring that fact that my loan was in an approved forbearance agreement that had been granted by XXXX XXXX since my principal residence was located in a Federally declared disaster area and their threat of foreclosure was illegal! 

The actions of this company are downright criminal! They should be banned from the mortgage serving business! Their actions and behavior are as criminal as XXXX when they were servicing student loans! I encourage you to XXXX this companys name and see the THOUSANDS of complaints and lawsuits filed against them! They should be put out of business for good!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this 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 non-monetary relief
Consumer complaint received 2022-09-02
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items. which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Somehow I was signed up for a Transunion {$24.00} service, billed to my credit card. I do not remember signing up for this. 

I attempted to cancel this subscription and after repeated calls to customer service, I was unable to -- I kept being transferred to different departments ; some departments said I do not even have an account, so they could not cancel an account that does not exist, and others said I signed up for something and should take responsibility and pay for it. After wasting a lot of time, I decided to give up and dispute the charge with my credit card issuer. 

Fortunately, this charge was reversed. For good measure, I reported that credit card lost/stolen to get a new card so Transunion would be left in the dark and would get lost. 

However, even after doing this, a month later, I saw the same charge appear ( same credit card account, different number, different 3 number security code, different expiration date ) as a transaction. I have no idea how Transunion got my new credit card number, and I have no idea how to contact them to cancel my subscription, given my past experience ( nor do I want to spend the time doing this again ). I did try to see what " service '' I was billed for -- When I go onto Transunion 's website to try and access this {$24.00} service, I am unable to log into an account, even when " recovering '' the account with my social security number, birthdate, and last name. 

To recap : I received a {$24.00} charge a month ago for a service I am almost certain I did not sign up for. I have spent an inordinate amount of time trying to " cancel '' this service, to no avail. My credit card company was luckily able to handle this through the dispute process. However, even after going through the steps of getting a new credit card ( and changing the billing information for everything that was paid through this card, an arduous process ), they were still able to bill me for this phantom " service '' a month later. 

These charges are at best an honest mistake, at worst criminal. Transunion wasting my time is purely criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: PA
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 third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account was breached and I was charged thousands of dollars in transactions overseas somewhere in XXXX and somewhere in XXXX and the bank doesnt seem to want to give me my money back or shiw me a detailed reason why theyre not refunding my stolen money or given me a list of what they investigated and where my money went.

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 monetary relief
Consumer complaint received 2019-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX Account # XXXX XXXX *XX/XX/2019 *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
{$170.00} charge from XXXX is for XXXX testing for XX/XX/2021 for 4 or 5 people. These charges for XXXX test results are not to be billed to XXXX XXXX during this time period, a s we had no health insurance. If these are not XXXX billings from XXXX, then they are incorrect billings being charged to XXXX XXXX XXXX Why? Because XXXX shows no Collection Accounts for XXXX XXXX for the last XXXX XXXX Kindly remove this collection activity from XXXX for XX/XX/2021 for 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 2018-02-17
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018 XXXX XXXX dollars was with out my authorization charged to my debit card. Furthermore, XXXX dollars that I already had in my coinbase was also taken from me. 

Everyday since then I have reached out to coinbase through email, phone, and XXXX. They have done nothing to alleviate the situation or even given me acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: DISCOVER BANK
State: CA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Santander Consumer U XXXX Open Date XX/XX/2018 Balance {$42000.00} As a customer I have legal rights that are given to me to protect me from misinformation being stated on my credit report. At this stage I want to produce a previous request for investigation before I speak with my lawyer for tips on how to handle inaccurate and unverifiable items that are continuing to be established as legitimate. You need to have me along with a copy from the agreement approved or voice interaction where I permitted billing me regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; AN # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2017-04-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has repeated refused my efforts to have them remove fraudulent information from my credit report. The company was provided with a move out statement that showed no money was owed.  National Credit Systems   responded by sending me a copy of a fraudulent renewal lease with mismatching dates and forged signatures. Additionally they continue to verify this fraudulent information as correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Remove all these version of address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Av, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-08-31
Company: ALLY FINANCIAL 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:
on XXXX/XXXX/XXXX my credit was pulled by ally financial auto financing. I contacted ally financial on XXXX/XXXX/XXXX in regards to this inquiry representative was very unhelpful and advised me to dispute it thru my credit report this is a fraud inquiry and my authorization was not given to pull this 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 explanation
Consumer complaint received 2022-09-02
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:
I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX mobile app. 

After completion of this, nothing has been done on Experian 's side after I filed a dispute with Experian stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this 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