BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX2018 my closing co ask and received by fax a payoff on my loan at Specialized loan servicing co for closing as i sold my property, this amount was sent to them on XX/XX/XXXX18, and returned approximately to the closing co on XX/XX/XXXX18 saying it wasn't enough to payoff the loan, in the meantime they sent me a escrow /insurance refund, they called me approximately XX/XX/XXXX18 saying i needed to return this escrow amount, it was sent to me in error, i was instructed to send it by certified check back to them, i did this, My closing company re-sent the amount given to them back to my mortgage co, My mortgage company once again returned it to my closing co as they said it wasnt emough to pay off the loan, they didnt wait for my escrow check returned to get to them,. So finallly on XX/XX/XXXX18, my closing co sent the mortgage co ( SLS ) a new wire amount with the total payoff again including what they had refunded to me, Now the mortgage co has a new wire $ amount for the NEW total payoff amount and has my check where i returned the money to them, While checking my credit file they have turned in i didnt pay XXXX and XXXX payment showing me 60 days past due on my credit, dropping my credit score from near XXXX to XXXX, i have always had GREAT CREDIT, i need help and my credit restored, none of this was my fault, it was all started by SLS giving us the wrong payoff amount, and now they are hurting my credit because of the delay to payoff the loan I have called and was told theres nothing i can do, the payments were not paid on time and thats it. PLEASE HELP ME ALSO I NEED my ecsrow refund returned to me asap, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Someone used my SSN to obtain alleged lines of credit.

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.

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 2021-09-02
Company: Self Financial 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 status incorrect

Complaint:
I had an account with SELF lender where I never missed a payment nor was I ever late. The account is now closed reflecting it to be CHARGED OFF/REPOSSESSED. This is inaccurate as I never missed a payment nor was I ever in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
XXXX XXXX OPENED XX/XX/2021 IS BEING REPORTED AS OVER THE LIMIT. THIS IS NOT ACCURATE. PLEASE UPDATE IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

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 2018-07-27
Company: ID Analytics, Inc.
State: MD
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:
There are credit inquiries that I do not recognize. Also I feel that I should not have to send my identification to get my information that they have no rights to. My scores on the XXXX are way lower than on the 3 major credit 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 2018-07-27
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day XXXX was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX XXXX XXXX XXXX a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

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 2018-04-04
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
THE CHASE BANK CLOSED MY ACCOUNT ONXX/XX/XXXX, AND I ISSUED A CASH CHECK ON MY NAME FOR THE AMOUNT OF MY BALANCE USD XXXX. THIS CHECK WAS SENT TO THE REGISTERED ADDRESS AND WAS LOST ; THE DAYXX/XX/XXXX I DIRECTED TO THE CHASE OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, EE. UU TO SIGN THE APPLICATION FOR THE STOP PAYMENT OF THE BOX CHECK NUMBER XXXX, I RECEIVED XXXX XXXX XXXX, CARRY OUT THE FIRM MANAGEMENT AND INDICATED THAT IT WOULD BE SOLVED IN 5 WORKING DAYS, WAIT FOR THE INDICATED TIME AND HAD NOT RECEIVED ANSWER, CALL THE DAY XX/XX/XXXX TO THE DEPARTMENT THAT HAD MY CASE, I WAS INDICATED THAT THEY KNOW THAT I WAS IN THE OFFICE OF THE BANK BUT THEY DID NOT RECEIVE THE FORM OF THE STOP PAYMENT, TRY TO COMMUNICATE ME WITH THE XXXX. XXXX XXXX AND I HAD TALKED WITH HER ON XX/XX/XXXX, I REMAIN TO MAKE THE SHIPMENT AGAIN AND RETURN ME THE CALL WHAT I DID NOT DO, I CALLED IT BACK ON DAYXX/XX/XXXX AND I INDICATED THAT I HAD TO WAIT AGAIN 10 DAYS WORK ABILITIES. WAIT UNTIL XX/XX/XXXX DAY AND CALL THE DEPARTMENT THAT HAD MY CASE, THEY INFORMED ME THAT THE DAY XX/XX/XXXX THE CHECK WAS PAID ON AN ACCOUNT ON MY NAME IN THE XXXX XXXX XXXX, WHICH I DO NOT OWN NO ACCOUNT IN SAID BANK. ON XX/XX/XXXX BACK TO CHASE BANK OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX I WAS ATTENDED BY XXXX XXXX XXXX XXXX ; TO FORMALIZE A CLAIM FOR THE UNFAIR PAYMENT OF BOX CHECK NUMBER XXXX FOR XXXX XXXX WHICH REQUESTS STOP PAYMENT AND WAS NOT PERFORMED BY CHASE BANK, AFTER 3 MONTHS OF WAITING THE BANK ANSWERS THAT IT IS NOT PROCEED BECAUSE THE XXXX  XXXX XXXX WILL NOT RETURN THE FUNDS. AFTER THIS ANSWER THE CASE WAS TAKEN BY THE MANAGER OF THE OFFICE THE XXXX XXXX, WHO LIKE MY PERSON DOES NOT UNDERSTAND LIKE A BOX CHECK THAT IS REQUESTED A STOP PAYMENT THE DAY XX/XX/XXXX COULD BE PAID ONXX/XX/XXXX, I INDICATE THAT I CARRY THE CASE TO HIS SUPERIORS AND THE ANSWER STILL IS THE SAME : " DO NOT PROCEED BECAUSE THE XXXX XXXX XXXX DOES NOT RETURN THE FUNDS '' I LIVE IN XXXX XXXX AND I CAN NOT TRAVEL SO FREQUENTLY TO THE XXXX. IN THESE MOMENTS MY FAMILY HAS THE MONEY THAT THE CHASE BANK HAS NOT RETURNED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CMRE Financial Services, 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 disputed a collection account with XXXX and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from XXXX explaining why the account remains and only place a comment " Disputed by the consumer ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX report my Student loan account late to the credit bureaus which caused my credit score to decrease by 109 points. The president paused student loan payments in XXXX. I recieved an email about my student loan being late so just in case I requested a deferment to be safe on XX/XX/XXXX, on XX/XX/XXXX they reported my loan late. I have my student loan reported late, but now during Covid when the president paused student loan payments and after I requested a deferment XXXX reports my students loan payments late. Decreasing my credit score 109 point has caused hard ship I have worked very hard to raise  my credit to XXXX right before I get to 700 they do this.

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 2018-04-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and XXXX and Equifax refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. XXXX and Equifax keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with CREDIT COLLECTION SERVICE # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for  purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: SYNCHRONY FINANCIAL
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:
I have a loan with SYNCB/OLDNAVY and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/OLDNAVY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SYNCB/OLDNAVY with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2018-07-12
Company: Convergence Acquisitions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2018 I decided to get on the XXXX county clerk of courts website to check on a landlord i wanted to rent from after I checked there file i decided to check my information and I found XXXX XXXX, XXXX suing me in the amount of {$1100.00}. 
Case Number XXXX .I fell this company violated my rights they never once contacted me one time about this so called Bill i owe. I don't know who XXXX  XXXX, XXXX is. And to make matters worse i acknowledged they sent the summons to my old address on purpose to get a default judgement against me. I can't get any information about this case a court date who and what this case is about. I did send them a quick letter that I didn't really have enough time to make sure the letter was written correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was notified that my information was on the XXXX market and there was some activity I did not authorize. I have tried to get this corrected numerous times but the credit bureaus have not did anything about it. This is hard on me emotionally and has been frustrating and need it corrected.

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 2022-08-06
Company: EQUIFAX, INC.
State: GA
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 sent out my disputes on XX/XX/2022. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: GA
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:
I summited a complaint, against all 3 credit Equifax XXXX XXXX with CFPB CLOSED THE DISPUTES AND STATED I NEEDED TO SEND A COPY OF ALL INQUIRIES THAT I BELIEVE THAT ARE NOT MINE AND I NEVER GAVE PERMISSION TO RUN MY CREDIT, I HAVE ONLY 8 POSITIVE LINES OF CREDIT ALL OTHER INQUIRIES I NEVER GAVE PERMISSION TO ANYONE OR COMPANY TO TRY TO ACHIEVE CREDIT ON MY BEHALF I DEMAND FOR ALL FRAUDULENT INQUIRIES TO BE REMOVED BY EQUIFAX XXXX XXXX I AM UPLOADING ALL INQUIRIES THAT I DO NOT HAVE A IDEA I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Credit agents are reporting without my consent nor do I have a written agreement to display that on my credit and they're still doing it against federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Citibank contacted my father around XX/XX/XXXX-XX/XX/XXXX. I was out of the country. My father has a separate account with Citibank, they advised him that my account was past due and no payment received since XX/XX/XXXX. My father isnt listed on my account, nor do I live at home with my father. Once my father made the rep aware that he had made a mistake he didnt want to release any further information. My account is enrolled in a Debt Settlement program and i have notified ALL my creditors of this and not to contact me or any one else. 

XXXX XXXX contacted my mother around XX/XX/XXXX-XX/XX/XXXX, while i was out of the country, at my previous home telephone trying to collect on a a debt, after they had been informed of my enrollment into a debt settlement program.

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 2020-05-16
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have contacted a rep and was told a letter would be sent to me but could not assist any further. The letters all stated the same reasoning : high exposure risk. 
I have had several Synchrony cards ( JCP, Lowes, Belk, PayPal, RTG, ValueCity and GAP ) dating back to almost 10 years, no late payments, FICO score in the 700s. In the past month, Synchrony has closed all of my accounts without any notice. I understand these are unprecedented times but why close accounts of customers who were never late paying and utilizing their limits responsibly? I would have preferred you lowered my credit limit instead of closing, that was {$110000.00} combined credit limit that is now gone. I would not bank with Synchrony ever again!!! This was such a disappointment! The only thing you can do is risk lowering your credit even more by reapplying, no thanks!!! In unprecedented times such as these, I understand you have to mitigate risk but what about your customers? You closed these accounts assuming I would run the limits up, but I am still working everyday. I don't think there is anything you can do to bounce back from this. The company is unable to do anything and you will have to reapply.

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