BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The companies allowed incorrect invalidated information to my profile, addresses that are not mine they refuse to remove & they refuse to take off negative accounts. I only have one address and sent them certified mail an information update form that they kindly ignored to follow. Then the customer service agent was rude and told me she didnt want to hear my complaining.

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 2021-04-26
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I show 7 payments for my mortgage coming out of my bank account following 7 reversals. I believe they took my funds to collect interest and returned the funds they took from my bank account! I did not authorize these payments so they did not have permission to take my money out of my account and use it to make it more money for themselves to pay their stock issues! Not okay I authorize one monthly payment online once a month when I make a mania payment every month! This is not okay they violated my bank account to benefit themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to obtain a payoff with a lien release from Wells Fargo and Wells Fargo does not give me this information. They are only giving me a payoff but are not including the release of lien on the payoff. I need to close this account and wells Fargo give me a satisfaction of lien. 
Every time I call they they give me the run around. I have even gone to there branch and no one there helps me either. 
I need to close this account and get the release of lien as i am getting other line of credit with a different leader. 

Attached I have included the payoff they are sending me and as you can see it doesn't include the release of lien cost.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers.

15 USC 1681 ( a ) ( 4 )

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 2021-02-04
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and SYNCB/TJX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/TJX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-05-01
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XX/XX/2020 WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?

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 2023-02-28
Company: EQUIFAX, INC.
State: TX
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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1XXXX XXXX XXXX XXXX- Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account Number:XXXX has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXX-Account NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 an 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.

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: SCA Collections, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made several attempts to remove SCA collections off my XXXX  credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and XXXX failed to respond and remove said reports

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 2019-11-16
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: Account information incorrect

Complaint:
I contacted the debtor on XXXX XXXX, 2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2021-02-04
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made several attempts to remove XXXXXXXX XXXX off my Equifax credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and Equifax failed to respond and remove said reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card by XXXX called a XXXX XXXX was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with XXXX XXXX, XXXX, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX nor XXXX has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX collections remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
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 status incorrect

Complaint:
My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX  and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, 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 explanation
Consumer complaint received 2018-09-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have previously sent complaint regarding on Specialized Loan Servicing LLC ( SLS ) for the providing the same service XXXX XXXX provided ; when servicing the loan although XXXX XXXX  still own deeds. 

I never received noticed on change of mortgage payment from SLS, and now I accumulated late payments, and a balance since I did not know of change, by federal law servicing companies need to provide 30/60 day notice of any changes to payment. 

Recently, SLS just started sending mortgage statements after almost 2 years of not receiving any statements from SLS ; which is surprising ; when law requires statement ; whether in bankruptcy or not, since disclosure of no intent to collect debt is present on statement like XXXX XXXX  provided. 

Also, I never received notice from SLS that they change there payment address from Georgia to California, so they did not receive one of my payments on time, although they are at fault for not forwarding there mail to new address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: SC
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  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am trying desperately to sell my home in a short sale. I am under water as a result of the XXXX crash and I have never been able to regain the value of my home. I have a buyer who is anxious to close. I have a letter from Specialized Loan Servicing stating my application was complete as of XX/XX/XXXX. XXXX XXXX ( the first mortgage ) has given their approval. Specialized Loan Servicing ( the second mortgage ) continues to drag their feet. Every time I call I get the runaround. I have provided them with every requested document in a timely manner. They are well beyond any reasonable period to provide a response. They " escalated '' my complaint on XX/XX/XXXX. I later learned they don't escalate anything. You just have to wait. I have a buyer with good funds who is ready willing and able to close. There is no reasonable excuse for this delay.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: NC
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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX  XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX  Date of Inquiry XX/XX/

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 2022-08-15
Company: LD Holdings Group, LLC
State: TN
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:
Loan Depot is reporting me 120 days late on an account that was closed when they reported it late. 

The account was closed on XX/XX/XXXX, and they are saying that I was 120 days late in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
Item 1. I've asked you to validate the debt Item 2. XXXX/XXXX  owns this contract Item 3. I owe nothing Item 4. You are reporting this as if I have an open tradeline with you Item 5. My CRA is impacting my credit reporting details, credit score when it's impactful from a FCRA standpoint Item 6. You responded to CFPB complaint that was immediately closed and based on FCRA compliance Item 7. Your correspondence is erroneous, fraudulent and incomplete Item 8. I do not owe this debt, you have failed to provide a signed contract Item 9. Please delete this erroneous tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Experian Dispute on XXXX. Results Date : XXXX. 
Dispute Results - Remains Dispute Reason : Not Mine. Do not identify. Incorrect information, In-correct Name and Address information added to my credit report by these companies. 

Collections : XXXX XXXX XXXX - {$13000.00} XXXX XXXX XXXX - {$900.00}. 
XXXX XXXX XXXX {$1500.00} Loan and Banking : Dispute Reason : Do not owe money. Paid in Full. Unauthorized Charges. 
XXXX XXXX XXXX - {$3900.00} XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX   XXXX  XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$400.00} Auto Loan Account : Un-authorized charges. Incorrect Balance and Payment info. 
XXXX XXXX XXXX XXXX - {$33000.00} Hard Inquiries : Dispute Reason : Not Mine. Do not identify. Incorrect information, Never gave permission to run credit. 
XXXX XXXX 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 explanation
Consumer complaint received 2021-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-01-27
Company: PMAB,LLC
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried disputing these medical charges through XXXX. Im a XXXX veteran  and all the medical charges were before i got my XXXX rating and the medical charges are all XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
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:
XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed

Company response to consumer: Closed with explanation