BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: TX
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX WY XXXX XXXX KY XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
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: Information belongs to someone else

Complaint:
I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I initiated a payment in the amount of {$570.00} to Specialized Loan Servicing ( SLS ). The payment was sent electronically from XXXX to SLS. I pay the same way every month. 

I checked the SLS website to budget for my XX/XX/XXXX payment and it showed the payment was past due I contacted SLS on XX/XX/XXXX and spoke with XXXX, XXXX. He told me to email proof of payment to customer service and the ticket could not be resolved until XX/XX/XXXX. 

I contacted XXXX and they sent me proof of payment, with trace numbers and the date the money was cleared by the SLS XXXX XXXX - XX/XX/XXXX. 

I sent the XXXX letter with the details, proof of the {$570.00} deduction from my checking account to XXXX On XX/XX/XXXX I spoke with XXXX, XXXX, and he said they were having trouble posting payments. I asked for a supervisor and was transferred to a voicemail that could not accept messages. I faxed a letter with proof of payment to XXXX, the fax for disputes provided on the SLS website On XX/XX/XXXX I spoke with supervisor XXXX XXXX. He saw the proof of payment attached to my account records. He said he would forward to the cash correction department and flag my account not to report negative information to the credit bureau XX/XX/XXXX I sent another fax to XXXX with proof of payment XX/XX/XXXX I received another collection call. They wanted me to make another payment for XX/XX/XXXXand my XX/XX/XXXX payment. 

XX/XX/XXXX I sent a certified letter using the CFPB Error Resolution Notice under 12 C.F.R. XXXX to XXXX. XXXX XXXX XXXX, CO XXXX XX/XX/XXXX, I decided to make the XX/XX/XXXX payment again and the XX/XX/XXXX payment while the error resolution process continued. I paid {$1200.00} using the one-time payment link on their website, run by Official Payments. 

XX/XX/XXXX, none of the payments are posted to my account and they continue to charge late fees. The error resolution date of XX/XX/XXXX has passed.

I have paid the XX/XX/XXXX payment twice and the XX/XX/XXXX payment electronically, all with proof of payment from financial institutions. A total of {$1700.00}. I can not get anyone to acknowledge, respond or correct this issue. I continue to get collection calls.

May concern is if this continues it will lead to ruined credit and foreclosure. I need someone to contact a person who can review the proof of payment and apply the payments I have made

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 2023-03-23
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:
I attempted to contact Experian, XXXX, and XXXX about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my 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 2023-02-17
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2019-03-27
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XXXX of 2017, XXXX made 2 hard inquiries on my credit report that I did not authorize. I have never been interested in their services, so I am completely certain they are unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
RE : Last XXXX XXXX To whom it may concern, I, Your Name, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : TBOM/ASPIRE 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 2018-12-04
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my XXXX  Credit Report and found that their is an account that does not belong to me from XXXX XXXX XXXX XXXX  with the Original owner being XXXX. It was reported on XX/XX/2018. The amount is {$410.00}.

I contacted the collection agency on XX/XX/2018 and the representative was rude and would not cooperate to confirm any information that I asked for. I was asked to verify my information and I was not giving them anything in case they were wrong. I was also hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a loan modification with SPS. When I speak to the lender they always say that the loan is in default and has been referred to an attorney. However, I have received modification papers and made the first trial payment at this time. ( The second payment is not yet due ) When I remind them of this they then tell me my ex-husband must sign the paperwork as he was the original person on the loan. My divorce was finalized prior to the loan modification and my ex-husband quit claimed the property to me. These documents were sent to SPS in XXXX when I started the modification process. The trial modification paperwork that SPS sent to me identified my ex-husband as the original borrower and me as the new borrower. They requested and was sent finalized divorce statement and the quit claim documents again but they are still dragging their feet about recognizing me as the new borrower. Since he quit claimed the property to me he is irrelevant in regards to this loan. My ex is lives in another country and is not easily accessible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I want to Report XXXX XXXX credit card this was 10 yr ago they took it out of my credit report now they using portfolio I never did no contract with this company and now they report it again its coming out like a new debt report again. I have a kid with XXXX 10 yr ago couldnt paid. On the 3 credit report is coming out again. They need to take all this out of my credit report deleted. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice yesterday ( XX/XX/XXXX ) that my escrow account was underfunded for XXXX and my escrow payment would be increasing in XXXX by {$700.00} a month ( {$8400.00} ) a year. This would be a roughly 60 % increase in my monthly payment. 

I called Investors Bank and they said it was because my account underwent a review in XXXX and my escrow was deficient and there were also increases in the estimated escrow for XXXX that needed to be spread over 12 months. 

I think this is terribly unfair for a bank to give a customer two weeks notice that their monthly escrow is increasing by {$700.00} per month for the next 12 months. There should be protocols in place to identify this shortage or under-funding well in advance of the new calendar year. 

How are families supposed to budget for this type of increase, especially right before the holidays?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2017 I was in a car accident with my family. The truck was only one year old and the at fault driver 's insurance declared it a total loss. The insurance company made a payment in early XX/XX/2017 ; however because I did not have Gap Insurance, there was a residual amount due. The whole process was very confusing, and I do not recall receiving guidance from Bank of America on how payments were to be made once Insurance made the bulk payment. I was under the impression that with the insurance company making a payment in XX/XX/2017, I did not have to make one in  XXXX and could pay off the residual amount the following month, which I did within 30 days of the XX/XX/2017 due date. Because I did not make a separate payment in XXXX, I was turned over to the credit bureau ( with the loan fully paid off ), even though I was a customer in good standing and never made a late payment prior to this situation. Reporting me to the credit bureau has tarnished my credit report and impacted the interest rate on a recent purchase I financed. I feel that Bank of America should have been more understanding with the situation I was going through ( i.e. the accident, dealing with a pile of medical bills and communications ) and at a minimum tried to contact me via phone or email to make sure ( i.e. positively confirm ) I understood my responsibilities as a consumer. I feel like they took advantage of the situation and am very disappointed as a consumer.

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 2017-12-15
Company: HONOR FINANCE, LLC
State: IN
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:
On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 letters to all XXXX  credit bureaus ( XXXX, XXXX, and Transunion ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: TN
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. 
XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Telsa Motors Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have solar panels on my house through Solar City and tried to cancel with them initially because the panels were not working. I have been trying to cancel for years and have never been able to get a direct answer. Since Solar City has been taken over by Tesla it has been the same situation. I have emailed and called on numerous times with no assistance. The panels have not been working since I received them and I've been getting charged monthly for a service I'm not receiving. As right the total amount showing on my credit report is {$51000.00}. I spoke with Tesla they even said that the panels aren't even turned on in their systems. My ultimate goal is to have the panels removed from my property and the balance cancelled as the company has not met the terms of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Synovus Bank
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: Public record information inaccurate

Complaint:
I wrote a letter to each credit bureau back in XX/XX/ about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA 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 2018-08-07
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX  & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.

Company response to consumer: Closed with explanation