BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgage loans that are currently serviced by Specialized Loan Servicing company ( SLS ), who took over the loans from XXXX XXXX in XX/XX/XXXX. At the time of this transfer, both loans were in good standing, i.e. no defaults, late payments or other derogatory items. When my first statement came from SLS, there were " past due fees '' on both loans in the amount of {$6700.00} for one loan and {$7400.00} for the other. I called SLS in XX/XX/XXXX when my first payment was due to determine what happened. I was told that the past due amounts were a result of " attorney fees, foreclosure fees and overdue penalties ''. I have never been in foreclosure on this or any other property I own, and the only time an attorney was involved was at the closing when I purchased the property. I was told to contact SLS by email with my dispute, and that someone would be in touch to address it. I did so in XX/XX/XXXX. I received no response. In XX/XX/XXXX, I again contacted SLS by phone, and another representative told me he was taking down all the pertinent information and would pass it along to the appropriate department, and that I would hear from someone " soon ''. I heard nothing from SLS. I called again in XX/XX/XXXX, and was told that all complaints need to be submitted in writing - letter, not email. I sent a letter outlining these problems on XX/XX/XXXX, and it was received at SLS on XX/XX/XXXX. I received two letters from SLS dated XX/XX/XXXX indicating that my complaint was received, and that they would be in touch. I called SLS today and was told there are no updates and was unable to get any information on this issue whatsoever. The representative acknowledged that their response timeframe is typically 30 days ; however, we are well past that point now.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

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 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 2020-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXXXXXX XXXX XXXX XXXX  Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-05-31
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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Trans Union and XXXX to reinvestigate these accounts. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open dates, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 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 crime which, from date of disposition, release, or parole, antedate the report by more than seven years. The Bureaus are not in compliance with metro 2 credit reporting. I also have the evidence to prove my case.

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 2019-10-29
Company: Experian Information Solutions 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 have made numerous requests to remove all fraud alerts on my report so that I can obtain a loan and so that my reort can be accessed without a hassle. they have failed to remove the fraud alerts and my phone number that they have listed as a contact when the alert prevents a creditor from access is even incorrectly listed and the numbers are mixed up. 
I have submitted the information that they requested to do these things numerous times and it is on their record.

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 2019-10-08
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I called to advise that i can no longer make payments. I was told by the representative that they would still debit my account. The amount that they charge is XXXX every 2 weeks. It was a huge mistake to get this lian. The rates are 385 % which is well over the states allowed fees. Tgis was  for a XXXX dollarloan. Over the course of 5 months, i have more than paid off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: TX
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:
Its been 8 months since i filled this complaint Below and Exquifax did not respone or fix problem the problem. 

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXXXXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX3.XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX   XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to XXXX XXXX XXXX XXXX, the resident ( s ) located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. opened a Cable/Internet/Cellular account using my personal information. I do not now nor have I ever resided in XXXX, California. 

The account was placed in collections with Diversified Collections Inc. and is threatening to damage my credit - the account number for the collection is # XXXX. 

A police report was filed on XX/X/2017 with the XXXX Police Department, Tracking # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: PROVIDENT FUNDING ASSOCIATES
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I moved into a new home on XX/XX/XXXX. My first payment was due XX/XX/XXXX through XXXX XXXX home mortgage which I paid. XXXX XXXX sold the mortgage to Provident Funding thereafter. I have a 60 day grace period to make my first payment to Provident so technically it was not due until XXXX. I made a payment to Provident on XX/XX/XXXX anyway and then created online autopayments on XX/XX/XXXX. My understanding is that the autopayment would be for the next month since I had already paid for the month of XXXX. Provident Funding debited my checking account twice on XX/XX/XXXX. I asked for the second payment to be refunded and they told me they could not do this without seeing the balance in my checking account. I don't feel that this is relevant information, Provident should not need access my checking account details to refund money that should not have been debited for another month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this debt off to the XXXX XXXX XXXX and as of XX/XX/2019 I am paid up/paid off all debts owed to the XXXX XXXX XXXX. This amount listed from Contract Callers is not only inaccurate but it is false, I want this removed from all 3 credit bureaus. 

I can show a bill that shows my account was current and still being billed on the date the Contract callers dinged my credit profile for the false amount of {$410.00} shown.

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 2019-10-29
Company: EQUIFAX, INC.
State: LA
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 that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with the alledged original creditor that this third party debt collection is alleging I owe and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. as a result, TRANSFINANCIAL are now threatening me for an alleged debt that the purchased from the alledged original creditor. I never received a Material Disclosure of any of the information that was supposed to be provided to me. TRANSFINANCIAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for the inaccurate accounts on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives me a reason to immediately correct the accounts on my credit report. They should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this accounts be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-29
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the ( SOUTHWEST CREDIT SYSTEM ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
IN XX/XX/2020 RESERVED A RESIDENCE THROUGH " XXXX '' FOR RENTAL XX/XX/2020 TO XX/XX/2020 FOR THREE NIGHTS.

REPORTED FIRES IN AREA, CLOSED ROADS, AND POWER OUTAGES " HOG FIRES '' THE TIME I WAS TO USE RENTAL TALK TO LOCAL MANAGEMENT CO "  XXXX XXXX '' WHO ASSURED ME THAT I WOULD RECEIVE A REFUND DUE TO THE FIRE DANGER.

FORWARD ALL INFO TO CREDIT CARD COMPANY " CITI '' " CITI '' IS FACILITATING THE FRAUD

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 2023-09-15
Company: OneMain Finance Corporation
State: DE
Product: Credit reporting 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:
Hello, I am in serious need of help with some hard inquiries I would like to have removed due to the unauthorized and unverified inquiries placed on my report. Please get back to me as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
when I was informed of these cards I tried to inform and dispute them and they wont remove them. I went through identity theft and have fraud alert and security freeze on my files. I just want them off my report please. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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: Personal information incorrect

Complaint:
Transunion File # XXXX Date XX/XX/XXXX Address Reported on my credit file how does Transunion have me at 3 address in the same year of XX/XX/XXXX living XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and in error I was living in XXXX XXXX the whole year working for XXXX XXXX as an XXXX I see so many errors by Transunion as if the information is created and just put on some one credit report with any proof or documentation from Transunion

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX mentioned that this credit would be a soft check as they are not the typical credit companyythey use the income to determine the limit

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 2017-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I became involved in a " hit and run accident '' chase in which the police was chasing a truck. I was pulled over to the side of the street when the truck came over and smashed the back of my car while the police was chasing. Police caught the truck and men were arrested.and jailed. XXXX XXXX XXXX police made a report and sent me a copy stating I was a victim and therefore not responsible for my car being destroyed. Toyota Financial took possession of the smashed car.and it was a discharge. 

Toyota Financial included the car on my credit report for {$18000.00} stating it would remain there for seven years and then drop-off Toyota Financial state I write to three credit companies and " request this be removed from my credit report. I did exactly as Toyota requested. I just need a letter from Toyota Financial stating I was not responsible for this " hit and run ''.

Company response to consumer: Closed with explanation