BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint involves the amount of {$44000.00} which was for a subordinate/second mortgage on my home. This mortgage was taken out 15 years ago ( XX/XX/XXXX ) at which time the original amount was {$52000.00}. The above mentioned ( {$44000.00} ) balloon payment matured on XX/XX/XXXX. Back in XXXX of XXXX we started negotiating with SPS ( Select Portfolio Servicing ) XXXX XXXX  XXXX XXXX XXXX XXXX, Utah, XXXX to have this loan refinanced due to COVID and other situations we could not afford the balloon payment. Our goal was to renegotiate with the lender for an extension on this loan so we would be able to stay in our home. After several interactions and production of documents requested such as, tax returns and proof of income we were under the impression that we would be getting a modification. We were also told to withhold our XX/XX/XXXX payment until we receive the new mortgage. But to our amazement on XX/XX/XXXX we received a disturbing letter suggesting that we should sell our home in order to satisfy this debt and we were given a short sale deadline of XX/XX/XXXX which was even more shocking since it only allows us 11 days to make a lifetime decision. 

I am the major breadwinner in my home and I sent proof that our total family income is approximately {$12000.00} per month. I work as a XXXX XXXX and have a young son in college whom Im supporting. I would think that due to the hardship that we are all under due to COVID-19 that this lender would understand my situation and would work with me to resolve this issue instead of trying to push me into selling my home which is the most harsh situation Ive ever expected. Please note that over the last 15 years Ive paid this mortgage twice over which I understand is business but now a new person has bought the mortgage and it seems they are just trying to make money. As of now, the servicer would not tell us who the lender is and I was never given an explanation as to why we were denied a modification. Please look into this situation and let us know what the end result is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way. 

The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.

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 2022-02-15
Company: Experian Information Solutions Inc.
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-02-15
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2017-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has a {$770.00} written off there is nor any money written off. 

There is no where from XXXX XXXX that states I owe any money. By XXXX letter it states there are no further amounts due on the above account. 

Experian did not address what I stated in which is the {$770.00} written off that shows by Experian.

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 2017-07-12
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: Public record information inaccurate

Complaint:
I have contacted both XXXX, XXXX and Equifax about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted Equifax they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both Equifax, XXXX and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, XXXX and Equifax my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NJ
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My health insurance XXXX XXXX XXXX XXXX XXXX XXXX was never billed for the medical bill from XXXX XXXX XXXX the origin of the bill. I contacted XXXX XXXX XXXX and they filed my instance after they sent me to collections with Amsher Collection by mistake ( invoice XXXX ). However XXXX XXXX XXXX XXXX pay the bill and I paid the remaining if the bill after the medical bill was recycled through the system. I contacted Amsher and give them proof the bill was paid by my insurance and myself and Amsher is still collecting on the bill. I requested they remove the bill from my credit report and sent them a certified letter tandcthe insurance billing paid cancelled check. AMSHER is still collecting on a debt that XXXX XXXX XXXX has been paid on ( {$310.00} ). I asked that the collection be removed from my credit report and Amsher continues to report this bill in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was expecting 2 reimbursement checks to arrive from my employer, I contacted my employer on X/XX/17 because I had not received the checks in the mail. My employer advised me that the checks had been deposited in someones account, and my employer sent me an image of the fronts and backs of the checks, which showed a forgery of my name and the statement to deposit the funds to the account of XXXX XXXX and a signature indicating the name XXXX XXXX. I drove to XXXX XXXX XXXX to inquired since the checks were issued on a XXXX XXXX XXXX account. While at XXXX XXXX XXXX we discovered the checks indicated they were cashed at a Wells Fargo. I went to Wells Fargo and they told me they would not file a claim for the theft and would not be looking into the issue, they would not take any information on the issue eventhough I was offering them the images of both sides showing them the account number the checks were deposited to. So as the victim of theft and forgery I filed a police report and have provided the check images to the police department as Wells Fargo clearly will do nothing. XXXX  XXXX XXXX branch, the XXXX XXXX XXXX Fraud Department, and the police department all indicated Wells Fargo is difficult to work with and that they do not respond in a timely fashion.

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 2022-02-15
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Bread Financial Holdings, Inc.
State: NY
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:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my COMENITY BANK/VICTORIA SECRET credit card ending in XXXX. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX XXXX XXXX, and COMENITY BANK/VICTORIA SECRET are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life. 

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Avant Credit Corporation
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:
XXXX XXXX has pulled my credit several times causing hard inquiries bringing credit score down, when request once in XXXX and XXXX both paid for by loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the collection company in regards to the account asking for them to send me a copy of sign contract that I signed with there office. She told me that the collection was sent to there company and that 's why it 's reporting. I asked her to delete the account because I never signed and authorized contract with there company this was with the University i attended. She stated that they do not delete because it was sent over by the school. I ask her to send me validation she sent over a contract from XXXX XXXX  and not there office

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 2017-07-12
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account several times by stating validation that I signed paper work with your company to show a collection on my account. I faxed over a letter asking them to remove it and she stated that the letter just goes in a file and this was submitted by XXXX XXXX XXXX. I told her that this should have been reported by XXXX XXXX XXXX and not there company. South West credit system in the amount of {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( 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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.

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 2017-07-12
Company: EQUIFAX, INC.
State: OH
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:
1. On XX/XX/XXXX, I pulled my free annual credit report from EQUIFAX ( Confirmation # : XXXX ) and noticed a collections account for a debt I did not owe from XXXX ( XXXX XXXX XXXX XXXX XXXX ). 2. On XX/XX/XXXX, I sent a certified letter to the name and address listed on my Equifax credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX, stating that I disputed this debt and that it was not owed by me. 3. On XX/XX/XXXX, this certified letter to XXXX XXXX XXXX XXXX XXXX was returned to me and marked " Return to Sender. Not Deliverable as Addressed. Unable to Forward. '' 4. On XX/XX/XXXX, I sent a certified letter to EQUIFAX INFORMATION SERVICES, LLC, XXXX XXXX XXXX, XXXX, GA XXXX, stating " This letter was returned to me by the post office stating it was not deliverable as addressed and no forwarding address was left. Thus, the address listed on my credit report for this creditor is not accurate. I am requesting you to immediately remove this account from my credit report for inaccurate reporting. '' 5. On XX/XX/XXXX, Equifax responded to my later stating " they have verified this item belongs to me. '' I 'm not sure how since the address is inaccurate, not deliverable and I have no recourse to contact this alleged account to dispute the inaccuracy of this information on my credit report. 6. Under the Fair Credit Reporting Act ( FRCA ), EQUIFAX has a duty under the law to remove negative information from my credit report if it is inaccurate. I have proven this account has reported an inaccurate contact address ( as my certified letter disputing the account was returned to me by the post office as not deliverable ). Therefore, under the law, it should be deleted from my credit report. 7. To date, this negative account with an inaccurate reported contact address information remains on my credit report when it should be deleted under the FCRA.

Company response to consumer: Closed with explanation