BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX released {$4200.00} to XXXX XXXX for homeowners insurance fee. I did not authorize or consent for that transaction. After several hours on the phone with both businesses, I was able to get XXXX to refund me the {$4200.00}. It took about 30 days to get the refund check. I submitted a {$4200.00} payment ( for escrow account reimbursement ) on XXXX XX/XX/XXXX and have the customer account activity statement to prove the payment amount and date. XXXX shows no placement of the funds in escrow. But took it in as a principal payment. Servicing changed hands as of XX/XX/XXXX to Specialized Loan Servicing. SLS claims I have an outstanding XX/XX/XXXX payment and therefore am delinquent. I have had at least 4 phone calls in late XXXX as the transition occurred and through XXXX with XXXX being assured it will all be handled once the full transition occurs. There has no been no resolution. Today XX/XX/XXXX, I just spent 20 minutes on hold for SLS to tell me they have had NO ACTION on the payment research request I initiated in XXXX because, " It was routed incorrectly '' I have made a XXXX and XXXX payment on time and in full amount but SLS keeps telling me I am delinquent. I don't mind if the XX/XX/XXXX payment was directed to the wrong place. But SLS shows me as making no payment in XXXX AND my escrow account is short {$4200.00}. I can and am willing to make either the XXXX payment or an additional payment to rebolster my escrow account, but I cant do both. I am unwilling to do either until SLS can tell me where my XX/XX/XXXX payment of {$4200.00} was directed.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of Identity Theft The Information Listed below Which is on my Credit Does not relate to any Transaction That I have made This is the result of Identity theft. Please Block These Accounts From My credit Report Pursuant to the Section 605B of the fair Credit Reporting Act and send The Required Notifications to all furnisher of this information

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 2022-06-21
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:
XXXX XX/XX/2022 {$110.00}, XXXX XXXX XX/XX/2022 {$2900.00}, XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XX/XX/2022 {$110.00}, XXXXXXXX XXXX XX/XX/2022 {$2900.00}, XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.

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 2022-06-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act- XXXX XXXX Account # XXXX, Dept of EDXXXX XXXX Acct XXXX XXXX Dept of EDXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX  Acct- # XXXX XXXX  Acct- # XXXX XXXX XXXX Acct # 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 604A. States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act- XXXX XXXX  Account # XXXX, Dept of EDXXXX XXXX Acct XXXX XXXX Dept of EDXXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct- # XXXX XXXX  Acct- # XXXX XXXX XXXX Acct # 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 604A. States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express is falsely reporting late payments on my credit report. They agreed to take it off of my history as this was their fault for the months of XXXX and XXXX. Spoke to them for over two hours and promised me that by the next billing cycle everything will be fixed and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Portfolio Recovery Associates LLC, calls from multiple phone numbers almost every day. I have never answered their call. They have never left a message, and have never communicated with me as to what debt they supposedly are trying to collect on. I have never heard from them or about them previous to this. I sent them an email telling them that they should either send me something explaining why they were trying to contact me and what the situation is, or to stop calling me. They have ignored us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, since my identity was stolen then stolen again due to Experian/ 2020 data breach ( most recent ). I have had numerous credit cards loans and bank accounts because of this. When trying to reach Experian to resolve this Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues and the online portal don't work ( please see arttached screenshot ). I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, over 7 years, monies etc. on this. Please help 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 2019-02-16
Company: GOLD KEY CREDIT, 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:
Gold Key Credit Credit Inc, XXXX XXXX XXXX XXXX, FL XXXX does not have a license to collect in Florida, they are constantly falsely reporting debt to my credit report that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX bankruptcy courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

Transunion and LCI also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX  XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021.

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 2022-06-21
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i deposited two checks on XX/XX/22 in the amounts of {$1900.00} and {$1200.00}. I waited until the checks 'cleared " the bank. They were in pending status until XXXX when the funds were made available to me. On XX/XX/22, I deposited a check in the amount of {$1900.00} via mobile deposit. I again waited until the funds were made available to me. These were checks mailed to me for products I sold. Since the funds were made available in my account, I spent the money. Then on XX/XX/22, these checks bounced and Berkshire Bank took the money from my account. I then made two more mobile deposits on XX/XX/22 for {$1200.00} and {$1800.00}. Again the funds were approved and made available to me. Then on XX/XX/22, the money was taken out of my account because the checks were not good. In all instances, I specifically waited until the money was made available to me prior to spending it thinking these checks were ok. When I contacted Berkshire, they told me that I should have known better not to use the money for a few days. How am I supposed to know not to spend money that is made available in my funds. What is the waiting period? This makes no sense. Once money is made available, I thought the bank made sure these checks were in good order prior to making the money available to me. Now to cover my bills, I had to move money from my savings to cover the money that Berkshire Bank made available to me, then took back. This is not right. Something needs to be done about this. I am out a lot of money and I need it back. This is not my fault that the back did not do a complete check on these funds prior to giving me the money. Any assistance you can offer me would be so much appreciated. Thank 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 explanation
Consumer complaint received 2022-08-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

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

I did not create the over the limit action on this credit card. It was created by the bank for finance charges and fees. If I had went over the limit on a purchase the charge would have been declined. Since I went over the limit due to the banks fees and interest it goes through and I'm reported for it. That action is completely unfair and is a violation of consumer protection laws.

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 2022-06-21
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX  account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX- TransUnion XXXX XXXX - Spoke with representative. Representative advised for me to send in a copy of the police report and they would remove from the file. 

Gave information from XXXX XXXX VA police Report including sending the name and report number. 

I sent in a copy of the police report and they have not updated and removed the XXXX XXXX or any subsequent accounts due to identity theft. 

This was mailed to them on XX/XX/2022.

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 2022-08-19
Company: EQUIFAX, 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 Report XXXX XXXX XXXX XXXX act # XXXX, has violated my rights. 

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

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

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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 Report XXXX XXXX XXXX XXXX act # XXXX, has violated my rights. 

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

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

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..

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 2022-03-29
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification by mail from collection regarding toll fees that need to be paid for that amounted to {$210.00} in total. Ive already paid the fee on XX/XX/2018, this is about 2 months ago now, and have a confirmation email and a reference number to prove my statement. Ive contacted FTC to speak about the issue and the representative I spoke to told me to file a complaint. As you can see from the picture sent, its the same amount and violation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX XXXX courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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.

Transunion and LCI also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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