BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX damage from hurricane Delta happened. I was sent a check made payable to my father 's estate ( I'm the admin ) and also SLS, XXXX. 
With everything happening that year the house didn't get fixed due to foundation issues not covered by insurance. 
SLS never pursued the claim money. XX/XX/XXXX foreclosure sale was executed by the mortgagee by placing a credit bid for the house and it then became XXXX XXXX XXXX property. When this occurs it wipes out any and all debt but in some circumstances if the bid was higher then the credit bid then that creates a surplus owed back to the borrower. And same thing occurs if the credit bid or auction bid is below the payoff balance then the borrower would owe the mortgage company. However no surplus or deficit was created therefore the loan was paid off in full when the mortgagee placed the credit bid. 
I have verified several times that there is no money owed on the loan nor has any collection action been pursued in the occasion money was owed. 
Within these special circumstances since the checks were not considered into the price at foreclosure and the amount was above fair market value the mortgagee relinquished it's insurable interest in the property by placing a credit bid. The loan balance was satisfied. 
I have been giving SLS months to cooperate this matter. SLS like usual they take a very long time to research and get information from " corporate ''. The entire loss draft department can't give me solid answer because it changes with each person I talk to. 

XXXX XXXX XXXX  " If the amount of the bid is equal to or greater than the amount of the promissory note, the mortgagee 's security interest in the insured property is extinguished. And, therefore, the Mortgagee as owner is barred from recovering on a loss which occurred while it was the Mortgagee. ''

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 an account with my written instruction.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is using XXXX XXXX XXXX to contact me without my prior written consent about an unverified debt that is not owed. XXXX XXXX XXXX is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by XXXX XXXX XXXX. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. XXXX XXXX XXXX claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. XXXX XXXX XXXX is committing mail fraud through interstate commerce. CAPITAL ONE has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On Friday, XX/XX/XXXX I wrote a letter to XXXX, XXXX, and TransUnion ( three Credit Bureaus ) information in my file. One of the issues was stating that I was " SERIOUSLY DELINQUENT '' with my car loan ( joint ) payment to XXXX XXXX XXXX XXXX, which is not true. My daughter purchased a XXXX XXXX XXXX on XX/XX/XXXX and I cosigned the loan. Well, on XX/XX/XXXX, the vehicle was totaled by another driver. Though according to XXXX XXXX the car was valued at {$39000.00}, as a result upon inspection XXXX XXXX Insurance paid off the vehicle but at a lower rate based on the cars ' pre-accident value of {$25000.00} ; this amount was sent to XXXX XXXX and accepted for the total loss. The next thing we know a couple months later after receiving payment from XXXX XXXX we were sent a bill from XXXX XXXX stating we needed to pay them {$2100.00}. We could not understand this because they were paid for the loss of the vehicle and if it was not enough money they had the opportunity to go back to XXXX XXXX to request the additional amount. They also had the opportunity to seek the {$2100.00} via GAP Insurance but chose not to do so. 

Though XXXX XXXX was paid for the vehicle in a lump sum due to the accident and received car note payments from my daughter up until the time of the accident they have failed to properly report this information onto the Credit Bureau reports to the three agencies as such. I have been making every effort to resolve this matter with XXXX XXXX but they have failed to properly and accurately report the information to the three Credit Bureaus. 

Secondly, on Monday, XX/XX/XXXX, I sent another to the three Credit Bureaus asking for REMARKS to be removed from my XXXX XXXX XXXX XXXX Credit Card, XXXX XXXX  XXXX Credit Card XXXX and to update my file with XXXX XXXX XXXX XXXX with the enclosed letter stating the vehicle was a TOTAL LOSS and paid at the amount of {$25000.00}. 

I received copies of my Credit Reports at the beginning of XX/XX/XXXX from the three Credit Bureaus. According to the reports XXXX and XXXX REMOVED THE REMARKS as requested but TransUnion has REFUSED TO DO SO. 

This information is affecting my CREDIT SCORE and possibly of qualifying for a Home Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: Midwest Acceptance Corp.
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: Account information incorrect

Complaint:
Today XX/XX/2017 i received an alert through XXXX XXXX that XXXX XXXX made a hard inquiry on my credit. It reflects on all the three credit reporting agencies as there has been a drop of about 123 points in one of the scores. I wish to state that i did not authorize the inquiry and therefore its fraud. Their contact is XXXX XXXX XXXX XXXX XXXX missouri XXXX XXXX XXXX Kindly please investigate this urgently XXXX XXXX XXXX last four of ssn XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Transition and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint in regards to the {$1900.00} balance from XXXX XXXX that is trying to be collected by XXXX XXXX XXXX XXXX XXXX.At the time this lease was broken I was involved in a domestic abuse situation with my now ex-husband which resulted in me having to get myself and my Then XXXX XXXX XXXX XXXX out of the apartment and out of the situation.I have contacted the company on multiple occasions getting the run around.First they told me they would contact XXXX XXXX and inquire about a settlement but they never called me back.I contacted them yet again and they told me that XXXX XXXX stated that they would not settle the balance, so I contacted XXXX XXXX myself and they have a new owner and stated that it was not that they would not settle they just did not have the information any longer being that there was a new owner and the amount had already been sent to collection so there was nothing that they could do.Only in my own research of the Illinois State law and getting the constant run around did I find that there is specifically protection for victims of domestic violence under tenants rights in what is known as the safe homes act in the state of IL.This collection balance should have never been sent to the collection agency in the first place under this IL law.This is causing great distress on my now XXXX XXXX XXXX XXXX and I as it is hindering us from being able to establish residency in a new state as well as greatly negativly affecting my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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.

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 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/31 my phone was stolen. Using find my XXXX on my XXXX, I was able to track the location of my stolen phone. Local sheriffs office refused to accompany me to the location so I went myself. When I showed them my state police badge, they gave me the phone back. When I checked my bank account I noticed the person who stole my phone sent {$500.00} from my bank account via XXXX. Im assuming this is due to me not having any passcodes on my phone ( Because the face recognition does not work when wearing a mask ) So I submitted a fraud claim with my bank, Wells Fargo. Wells Fargo denied my claim, despite me not authorizing this transaction. I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX and received an automated acknowledgment email stating I would hear something back within 10 business days. I have heard nothing. I emailed again on XX/XX/XXXX. Again, nothing back.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: CITIZENS FINANCIAL GROUP, 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: Investigation took more than 30 days

Complaint:
I have an auto loan with Citizens Bank. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments!

The staff at Citizen 's Bank told me it was my problem and to take it up with XXXX.

XXXX  did absolutely nothing at all other than say the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title 15 of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The CCPA further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the CCPA, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under Section 605B of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA.

Moreover, the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ), both of which are contained in Title 15 of the United States Code, provide additional protections to consumers. The EFTA requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the TILA requires lenders to provide accurate and clear information about the costs and terms of credit.

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the EFTA and TILA. Failure to do so may result in further legal action and complaints to the CFPB.

Thank you for your attention to this matter.

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 2023-08-06
Company: Vengroff Williams, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received XXXX letters with different account numbers from this collection agency stating that I oweXX/XX/XXXXmoney. I have never received any bills from XXXX and have always left a credit card on file with them. I had my wife place a call to this collection agency and it went to a personally messaged mail box. We then called XXXX and had them check our accounts with nothing pending found. Checking online we found numerous people complaining that this company attempts fake collections in XX/XX/XXXX name. I will turn these people over to every agency that I can find as I will not tolerate this sort of scam.

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

Complaint:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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:
HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.

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