BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX 3 Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-01-28
Company: SIERRA PACIFIC MORTGAGE
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently sold by Sierra Pacific to XXXX. The effective date for the sale of the loan was XX/XX/2020. I was advised by Sierra Pacific that I needed to make payments to them through XXXX and then start paying XXXX. However, Sierra Pacific has not sent these payments to XXXX. XXXX is threatening to foreclose on my home now. I've tried contacting Sierra Pacific regarding this, and they now claim they did not sell the loan. However, they had already sent my escrow balance through XXXX to XXXX. I've tried to come to a resolution through Sierra Pacific and they refuse to help. I can't get a resolution in place and have tried speaking to them numerous times. I have call dates and times to validate this. I have documentation proving i sent payments to Sierra Pacific as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reported this company each month about the fees and charges that are not correct. I have sent and will continue to send complaint to have these fees removed. This company is very poor for any form of servicing. I send the payment certified mail with a cashier check. Long before it late date. They make it a point to add these fee. Please see the statement, that they held {$2500.00} before applying a payment of {$1100.00} to the account. Please escalate this to someone that can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
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:
XXXX XXXX placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Emerald AR Systems, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did owe this medical debt, but had since paid off to Emerald AR months ago, I asked them to update my credit as I've been trying to fix my credit to buy a home. After the months have gone by, Emerald has not updated my status with XX/XX/XXXX and this results in me paying higher interest, not being able to get into a better loans and better terms. 

I asked for a letter of XX/XX/XXXX balance, Emerald, as with vast majority of other collection agencies would not do and other than " we will mail you a Letter/Receipt! '' In the day and age of instant everything, a payment confirmation takes seconds, yet they apply this tactic to avoid a paper trail so that the consumers can not prove that they slack off on updating credit in a timely manner. In my case, it has taken months to no avail. 

This is no small matter, it affects my ability to get a mortgage loan, and it costs me money long term. I'm not an isolated case that are damaged by these collection agencies - They just want the money, and get away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: AL
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 tried on several occasions to resolve the issue with experian. They have not responded to my request properly. I have not once revived verification or how this so called debt is mine. XXXX and XXXX have verified and validated that this information is incorrect and have removed this account from my record. DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX I have provided all documents, licenses, bills ect and they continue to give me a computer generated response. Remove this from my account the information in incorrect. If 2 other credit bureaus have stated they can nit verifying this information how are you? This is against the law.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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 2023-04-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX  JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.

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 2018-02-28
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX via mobile deposit with XXXX XXXX XXXX. The check was from XXXX. I was not told when it would be available. I contacted the institution on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, but that I could reduce that by a day by linking an account. I did so. I called on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, and that linking the account made no difference. On XX/XX/XXXX the funds were still not available. I called and was told that since it was a new account, funds would actually not be available until XX/XX/XXXX. After I pointed out that the depository agreement did not state this, I was told that the problem was actually that they were unable to verify the funds on a XXXX check ( from the financial institution ), and that the funds would not be available until XX/XX/XXXX. I have been given multiple reasons why a check from a different bank can not be credited to my account, and a multitude of dates as to when it will be available. I want this money credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, and XX/XX/2022, unauthorized fraudulent transactions were made from my accounts in the following amounts : {$2100.00} transferred from Savings to Checking, {$2000.00}, {$1500.00} and {$3400.00} were stolen from my Checking Account. 
I have provided information that I did not have control of my cell phone and that the thief changed my SIM on each day! 
I have filed a police report, sent letters of explanation, got information from the cell phone provider, filed disputes, notified three credit bureaus, requested reconsideration after denial of claims, filed Internet Crime Complaint and followed the instructions and recommendations of The Federal Trade Commission on IdentityTheft.gov. 
This company has not yet responded to my last communication ; it's been 35 days. 
I have been completely ignored with the exception of the denial letters. 
I was notified by XXXX XXXX, Assistant Vice-President, Resolution Specialist, Regulatory Complaints and given Case # XXXX, I verified my identity as complainant ( by phone message and email ), provided him additional documentation but have NOT heard anything from him. My telephone calls and messages left have also been ignored.

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 monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i am a victim of identity theft. my id was used to get loans and credit. I filed the correct paperwork and sent it into the credit reporting agencies per the FCRA. I have asked for copies of the verification process and still haven't received the paperwork. 

These are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I specifically asked the Auto Dealership to run my credit with XXXX XXXX and they ran it with 5 other institutions which put hard inquiries on my credit report. These took place on XX/XX/21 and XX/XX/21

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 2021-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate reporting on my credit report. To this day, 38 days later, I have not received a response as yet. I feel like I'm being ignored. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 dats gives a reason to immediately correct those inaccuracies on my credit report. I demand these accounts be reported correctly as Never Late with no late payments. If this isn't corrected, I will pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a police report for identity theft with the XXXX Police Department on XX/XX/XXXX Incident # XXXX, with XXXX XXXX. The credit companies accepted my report and documentation that this bill was fraud. My credit went back to normal. Recently, I have again been billed by another credit company for the same utility in Texas. I am being asked, once again, to give proof that I did not move to Texas and incur this bill. I have lived at XXXX XXXX XXXX, XXXX PA XXXX for XXXX years, prior to that, I lived on XXXX XXXX XXXX XXXX, PA. I have never lived anywhere other than Pennsylvania. I have never been to Texas. I have been working for the XXXX XXXX XXXX XXXX since XXXX, which requires Pennsylvania citizenship. I use PP & L for electricity, always have. 

Today I called the collection agency ONLINE Information Services. '' I have more information this time about the fraud : Name of Company : XXXX XXXX XXXX Account Number : XXXX Amount : {$380.00} Address the utility was used at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date for bill : XX/XX/XXXX Type of utility : XXXX The woman I spoke with said whoever opened the account has my social security number and birth date. I would like this matter to be resolved. I would also like the utility company to block any new accounts with my name or social security number. 

Another police report was filed on XX/XX/XXXX. Incident # XXXX with XXXX XXXX. I was given an email to contact XXXX XXXX by the collection agency : XXXX. Phone number for the collection agency is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have called the company to attempt a resolution to the credit error that occurred XX/XX/2023 in the amount of {$41.00}.

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 monetary relief
Consumer complaint received 2023-02-14
Company: CCF Intermediate Holdings LLC
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: Personal information incorrect

Complaint:
There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the THIRD complaint about this horrible company.

BOTTOM LINE : EACH MONTH Specialized Loan Servicing apples 100 % of my payment to an unspecified account. It is NOT applied to my principal/interest and to escrow as it should be. This problem has existed since XX/XX/2019 - the day they purchased my loan from XXXX XXXX. 

Every month bill collectors call saying I am in default, the SLS website says a payment has been made yet the headline is I am past due on my payment. I am not. I have paid MORE than is stated that is due ... which is another problem. I have THREE different payment amounts - and do not know the correct amount to pay, so I pay the highest one. 

This is a fraudulent company and needs to be closed down. They are trying to steal 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 2021-04-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Nissan Infiniti LT has violated 5 of my federally protected consumer rights in the collection of a debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this inaccurate public record on my consumer file WITH supporting documents from the source they " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, TransUnion continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( verbally and IN WRITING / these documents have also been forwarded to TransUnion ) that TransUnion has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. 

XXXX believes TransUnion is using an outdated and unverified report against my FCRA rights. XXXX has EXPLICITLY DENIED verbally and in writing that they have ever verified the account as accurate with any CRA after the completion of their reinvestigation, as the account is unverifiable and was subsequently deleted. On numerous occasions, multiple upper management personnel within XXXX has sent notification to TransUnion to dispute that the bankruptcy. XXXX has yet to receive any response from XXXX. I have yet to receive an acceptable lawful resolution. 

TransUnion has informed me that I need a " letter of expungement from the bankruptcy courts to have the bankruptcy removed from my file ''. The United States Bankruptcy XXXX XXXX XXXX XXXX California has informed me that TransUnion has, " given me an impossible task to complete '' because I would need to have a bankruptcy on file in order to have such bankruptcy reviewed for possible expungement. The United States Bankruptcy Court XXXX District of California has stated that they DO NOT verify bankruptcies with ANY CRA or third party vendors. 

I don't understand ... if XXXX is the source that TransUnion is using to verify this account as accurate, and XXXX has documented that the account is unverifiable and deleted, then why is TransUnion maintaining their position that the account is verified as accurate??

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