BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XX/XX/2020. I have begged SLS to remove the credit report late remarks of those four months. Can you 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 2022-04-10
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, Experian, XXXX, and 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 2015-11-05
Company: Pinnacle Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The daye of the debt they said originally opened in XX/XX/XXXX which is not true, it opened in XX/XX/XXXX. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XX/XX/XXXX, I was contacted by Chase Bank saying that my account was compromised by someone trying to take money out using XXXX. I had to go into the XXXX branch and I closed my account that I had for 20 years I open a brand new account. The banker asked me were all the charges are my old account valid and I told her that several charges from XXXX XXXX were not valid and were unauthorized because that account was compromised also. I closed that account along with several other accounts that were also compromised and used XXXX XXXX XXXX XXXX to close all the credit cards accounts that were compromised and credit one monthly payment to pay the remaining balance. The teller then transferred all my remaining funds to the new account and told me that the account would be officially removed in 60 days. On XX/XX/XXXX, I noticed that Chase Bank had withdrew the negative balance from the old account from my new account. I immediately called their Claims Department and spoke with several representatives from the Operations Loss Prevention and Claims Department and was told that the situation was an error on Chase Bank behalf and everything will be taken care of. I began to call claims and spoke with several supervisors and was told that each case will be notated on my file. While checking my account today Chase has once again taking money out of my account without any authorization, and I was told that there was no notation taken on my account previous to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The TCF Bank XXXX, XXXX XXXX was corrupted with his friend, XXXX XXXX XXXX, retired local bank, blocked paying off all of my loan Payment with by representative, XXXX XXXX XXXX who I paid and hired to handle my paying off the total loan amount. I had XXXX lenders who wanted to lend money to pay off my entire loan amount. I requested repeatedly XXXX XXXX XXXX but He refused to meeting with XXXX XXXX XXXX. He was having meeting with XXXX XXXX XXXX and communicated with him. The Bank illegally took all of my properties. 
I was paying all the payment without default. The bank delayed and dragged the time. They are corrupted badly and took all of my asset which is all of my life saving. 
I and my family suffer so much. 
Please help me and help many others from their serious criminal acts. 

I have attached a file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Westlake Services, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Avant Holding Company, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avant considers non-receipt of loan in amount of {$6800.00} as fraud when loan was applied for by myself, appears loan amount deposited into incorrect account number. Avant replied to prior CFPB complaint in part by issuing a fraud packet, when in fact the issue appears to be technical in nature, not fraud. Further, they refer to calls made to Avant regarding high interest rate, credit score not taken into consideration at time of application.. Calls were made prior to request lower rate, Avant refused, their rep by the name of XXXX XXXX unable to resolve matter. Further, funds were deposited into incorrect account, partial payment ( s ) made and ceased due to unresolved issue with interest rate and non-receipt of funds. Avant attempted to collect on debt by reporting amount to credit bureaus including interest, account later charged off after unsuccessful attempts. Avant simply needs to remove account from credit reporting, in which case, Avant remains evasive about matter, provides number to make payment in which case, no payments will be made. Failing to remove account from credit reporting, account will be removed from credit file after seven years, all negative/derogatory information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX  regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX  on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Equifax is continuously incompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-06-10
Company: EQUIFAX, 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:
Hi I am contacting you in reguards to my XXXX Equifax and XXXX credit reports because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX  ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Activehours
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Earnin express lets you receive your paycheck two days early. I was supposed to be paid on XX/XX/XXXX and as of now XX/XX/XXXX I have not been paid and they can not give me a reason or havent offered a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for American Express credit card gold XXXX sky miles while the promotion is running. The promotion was that I would receive XXXX delta miles after spending total of 3000 $ within first 3 months. I met the criteria, but I never received those extra points. There is an ongoing investigation since XX/XX/XXXX. The agents keep on telling me that it will be resolved within a few weeks. It still has not been resolved by today, XX/XX/XXXX. On the latest conversation, one of the manager ADMITTED that it can take longer than 2 weeks. They did not offer any compensation in any form for all the inconvenience and time lost. They CAN NOT even guarantee that the issue will be resolved. 

Chat reference number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX I reached out to NCB Management about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with XXXX XXXX XXXX original debtor ). 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: National Credit Systems,Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXX  years ago I hired XXXX XXXX  This company of their own freewill as a credit collector accepted payoff agreement I was able to satisfy debt andXXXX XXXX allowed me time to repay them. 
All parties were affirmed and satisfied all paid much time later the debt collector files against my credit rating resulting in my credit rsting falls by 37 % and they usually file with irs for a 1099-C showing I had unearned income All False BUT we as citizens have no cnduit to protest resulting in irs demanding payments with resulting fees interest etc I worked to restore my credit rsting. I used every legal anner to assure payment. 
I am now burdened once agan by debt collector and eventually irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, XXXX, XXXX, and TransUnion.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX XXXX XXXX # XXXX, XXXX 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 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 2022-04-10
Company: EQUIFAX, 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:
In the Past 6 months i have disputed multiple times a couple accounts with Equifax. XXXX continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Equifax has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : 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 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
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, 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

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