BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My mom found out that Wells Fargo opened a fake Savings account in my name in 2009 and closed the accounts several months later. I was only XXXX XXXX XXXX at that time. Once I learned about these accounts, I called Wells Fargo I filed a few complaints and they kept reassuring me that they would get back to me in a short amount of time. They gave me phone numbers to call, but it's been very unsuccessful and neither have they taken any action to address this matter. My parents were told that one of their excuses was that I was a minor and it didn't affect my credit. 

Wells Fargo opened several fake accounts for my family. A rep for Wells Fargo and a JAM mediator earlier this year promised to send me through mediation and make this right. They have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2018-02-13
Company: JPMORGAN CHASE & CO.
State: MO
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:
Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Creditors' Protection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I spoke with 2 individuals ( one named XXXX ) at CPS- Credit Protection Services , but I called back after hanging up on the first young lady as she was rude. I was informed that they could not send me another statement for services that they billed me for in XXXX. I'm not certain how a company is calling to collect on a debt that they are not willing to redisclose information on to the owing party but this practice is extremely alarming and frustrating. I was told I would have to write them to request a statement, something that is also alarming. I will not be paying anything nor requesting a bill for services they claim I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither XXXX, Equifax or XXXX   actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither XXXX, Equifax nor XXXX  used proper investigative methods to verify the accuracy of the account from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XXXX XXXX,2017 I sent a request for Investigation of  unauthorized inquiries letter to Transunion. I advised that I did not authorize my credit to be pulled and reviewed for any reason. I did not hear back from Transunion in regards to the matter so I sent another letter certified mail which was stamped by Transunion received on X/XX/2017. Instead of the investigation results I received a letter explaining me the difference between hard and soft inquiries. There was no validation or result of the investigation I requested now twice. So again I sent another letter certified mail that they stamped received on X/X/2017. I 've made numerous attempts to contact the company. Today X/XX/2017 I called and spoke to a rep and inquired about the unauthorized inquiries and why an investigation was n't conducted and was advised they are paid by the companies that they are investigating and they pretty much take the fact it was reported as verification. This to me is extremely wrong and against my rights pertaining to the FCRA section 604. Simply not responding is not a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: First Data Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 someone bought {$870.00} merchandise in electronics dept. in XXXX in XXXX, fl store # XXXX at XXXX XXXX. I was at work at XXXX XXXX XXXX in XXXX, Fl. they produced an old drivers license of mine from fla and my checking acct, number, Check number # XXXX was a number way higher than what bank had issued me. I have never lost my checking acct.or drivers license. .It caused an overdraft to me. XXXX XXXX XXXX contacted me - we closed checking, savings debit card. and made fraud report. I contacted XXXX AND FILED FRAUD REPORT.- Reort # XXXX ID # XXXX, I contacted XXXX Police dept. and filed fraud report -- report # XXXX. XXXX told me that was an expired drivers license number and old name on it. All the paper work was sent to XXXX. in XXXX. They issued me a report back from there fraud Dept. One month later, I get Bill from TRS Recovery service - Telecheck wanting this $ $ money owed plus {$25.00} fee and stating me I would be put on bad list till this is resolved. Talked to them on phone -proven this was not me. I shouldn't never been sent to them for collection, - I also reported to all 3 credit bureaus and a freeze on my reports. I want this taken off my credit report - i do not owe any money to anyone this was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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 2020-05-23
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was a victim of identity theft and my EXPERIAN credit report had one charge-off ( XXXX XXXX XXXX  ) and two collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX ) on it. I mailed EXPERIAN a certified letter with my police report, identity report and the criminal report of the suspect that is now in custody that stole my identity. EXPERIAN deleted the three accounts from my credit file and then a couple of weeks later without notifying me re-inserted all three files. i sent a demand letter for a thorough investigation however they never responded.

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 2023-04-10
Company: CrossCountry Mortgage LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Information from credit report Loan Amount : Over XXXX Bank : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I called the phone number multiple times and no one has answered. I spoke with XXXX today, XXXX, and filed a dispute with them and they instructed me to also submit a claim with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Thunderbird Collection Specialists, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XX/XX/XXXX the Collection Agency known as Thunderbird Collection Specialists, CRS XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ phone XXXX XXXX XXXX called me in a very loud and abusive tone of voice demanding in payment of debt TCS filed in XXXX in my Credit Report. The debt originated from the Landlord failing to comply with the apartment amenities as per Leasing agreement. Several complaints were filed against this Landlord and are found on line. 

I told TCS CRS XXXX that TCS have filed the debt in my Credit Report on that year of XXXX mailing all correspondence to my address. Therefore, CRS decision to demand immediate payment calling me is ILLEGAL and constitutes a desire to harass me at my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: NH
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:
An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( XXXX XXXX XXXX ) and has now become present on my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : XXXX  has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! Experian dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, Experian, and XXXX  ) Incorrect Address : XXXX XXXX XXXX (  XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX  ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that Experian is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint Against : SELECT PORTFOLIO SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Reference Account : XXXX XXXX SPS Account # XXXX XXXX XXXX Account # XXXX Mortgage MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX COMPLAINT OVER MORTGAGE NOTE ALREADY PAID IN FULL This complaint is to request Select Portfolio Servicing Inc to open a investigation regarding mortgage note loan MIN # XXXX of XXXX XXXX Account # XXXX signed in 2006. 

There is a clear misunderstanding with this Mortgage Note that was already PAID in full. But the servicing Bank continue requesting payments and trying enforce a lien over a note that has already been paid by the borrower to the original lender. There is serious fatal errors with SPS accounting servicing regarding this account # XXXX. 

I request the servicing bank, Select Portfolio Servicing investigate this misunderstanding and solve this matter as soon as possible. The mortgage Note has been paid in full to the original lender XXXX XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl   XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against Diversified Adjustment Service , Inc at XXXX XXXX XXXX, XXXX, MN XXXX I believe the account XXXX XXXX  was created fraudulently to extort money from me. I don't have or have never had an account with XXXX XXXX. I have had this appear on my credit report XXXX XXXX XXXX in the past and had it removed due to fraud. 

I tried to pay Diversified Adjustment Services, INC to make this go away. I received a letter that if I paid {$110.00} of the {$160.00} debt that they would close the account as paid. After I submitted an electronic payment from an account in good standing and with the funds available, I received a letter that the check was returned, I was charged an extra {$25.00} and that I needed to send them a physical check within 5 days of the letter dated XX/XX/21. 

Please stop this extortion. I am positive this is a fraud and {$110.00} will wind up being taken from my account as part of this fraudulent act!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation