BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report decreased 30 points the month of XX/XX/XXXX due to my spouses open account balances being included on my credit report. 
Credit bureau representative stated account didnt exist on my credit reports and he would mail me proof. Also, my points have decreased tremendously since the beginning of XXXX for no logical explanation.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello I Submitted 3 credit report error disputes on XX/XX/2021 to transuion, XXXX & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!

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 2021-03-11
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RAS LVRAR has not send accurate verifiable documentation that I owe any debt BEARING MY SIGNATURE. I sent a letter on XX/XX/2021 asking to validate and this company has not done so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CASHCALL, INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good Afternoon, I was contacted by Tower Loan XXXX XXXX Mississippi stating I owed an old debt because a bankruptcy was dismissed. She said my Name is XXXX may I speak with XXXX XXXX I replied this is he she stated this is XXXX with Tower loan we have a balance here of $ XXXX. *** and if you dont pay me today we will take you to court. How would you like to pay this. A little shocked I replied XXXX  monthly and got off the phone. I called back and explained she broke the law by threatening these sections and why did she do it. I then asked for a letter explaining all of the above including why the account was reported as closed on my credit report. I need help with this.

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 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously had my mortgage loan serviced with XXXX. I fell behind and got a modification which helped make my loan more affordable. I was current and up-to date. They then sold my loan to SLS and they stopped sending me monthly payments. I was confused and missed a payment or two. When I would call them they told me they could n't talk to them because I was in active bankruptcy even though it was 7 plus years ago and had gotten all of that taken care of with my XXXX. I had to get help from my son XXXX XXXX who works for a HUD approved housing counseling agency. We finally got them to give us information after we sent them the Ch XXXX BK discharge papers ; but again they refuse to send us statements because they say the loan has not been reaffirmed. From my understanding of Oregon State law that does n't happen here ; and I 'm not sure what else I can send them ; all I want is to be getting my monthly statements so I can see what I owe. I 'm caught up on my payments now but feel like this confusion and extra work that SLS made us go through when we had everything taken care of with XXXX XXXX XXXX before is n't fair. I called SLS to request they get the information from XXXX XX/XX/2015, they said they would open up a ticket. I called today, 5 months later and they never did anything. That ticket never went anywhere. I do not trust them as they 've showed they are unable to help me. It 's unfortunate that they 've made an issue over something that never should have been an issue in my opinion. I hope you can help me clarify this.

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 2021-03-11
Company: Allied Collection Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I'm being sued in XXXX superior court no. XXXX XXXX XXXX @ XXXX I reported identity fraud and disputed it several times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a duplex from SLS at the foreclosure sale of their XXXX deed of trust in XXXX of XXXX, to protect my interest in it since I held a junior note. I have been paying for the insurance and taxes since I bought it. SLS still held a large XXXX deed of trust that I have been trying to pay off in full since I bought the property. I always reach their call center people and they will never transfer me to someone that is helpful. I and my Attorney sent a few payoff letters with no response and then I was told to send a certified letter to their legal dept with the loan no and property address and explain the situation which I did on XXXX/XXXX/XXXX. ( I have the green card that shows they received it ) Neither my Attorney nor I have ever received a response. On at least XXXX different times I would spend a few hours on the phone with SLS trying to get them paid off. I would get someone at their call center and kept getting transferred put on hold several times and then back to Customer care where I started. I ended up giving up in getting to talk to someone that knew anything or had any authority. In XXXX XXXX SLS turned it over to a Trustee service who I have talked to several times. She has n't started the foreclosure process yet since I told her I want to get this paid off in full ASAP. I sent her copies of my Attorney 's and my prior requests for payoff. I also faxed both SLS and the Trustee person that was assigned to this at the foreclosure service copies of my paying for insurance and taxes and the accounting from the tax dept here that shows SLS was sent a refund of {$3900.00} on XXXX/XXXX/XXXX because I already paid it. I requested a payoff statement with a breakdown of the accounting for taxes, insurance, and other fees they want. The payoff statement does not reflect me getting any tax or insurance credit. The payoff statement I received also has {$2800.00} added for amount due the Trustee Service who has n't actually started the foreclosure process yet. If SLS would have given me the proper credit for having paid the taxes and insurance, responded to mine and my Attorney 's pay off requests this fee would not have occurred. I appreciate any help your Agency can do to resolve this. 
Without me giving my personal information on this how can you do anything and help get it resolved?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: United Student Aid (USA) Funds
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.

Company response to consumer: Closed
Consumer complaint received 2021-03-11
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: Account information incorrect

Complaint:
There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences

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 2015-11-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter 2 account of times on the XX/XX/2021 and XX/XX/2021 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my clients file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Luckmore Finance
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been getting repeat phone calls from a debt collector. They call me at least 6 times a day, send text messages and even call my friends XXXX references XXXX as well. They have threatened to report me to the news media and threatened to give my information over to a team of lawyers I guess they deal with. I even tried making a payment thinking that would help but it did n't, they started calling me two days after I made a payment and arrangements. This ordeal has been a nightmare because I really feel like im being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*

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 2021-03-11
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: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to XXXX  to remove the account as I Never had an account with this company and no contract. They continue to report and have not produced requested contract or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Northstar Location Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
LAW FIRM TALKED TO MY FAMILY AND CO WORKERS, in violation of fcra, fdcpa, tcpa and skip tracing

Company response to consumer: Closed
Consumer complaint received 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.

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 2015-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
EVERY CREDIT COMPANY THAT I TRY TO GET MY SCORE FROM IS STATING THAT I 'M 'NOT WHO I SAY I AM.. AND EVEN THROUGH MAIL I CANT GET MY REPORT IN MY HAND. I HAVE A LOT OF ISSUES WITH EXPERIAN ALLOWING CREDITORS TO REPORT THE SAME INFORMATION ON MY REPORT JUST CHANGING THE AMOUNT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
On my reports there is a closed account with huge amount of missed payments. WESTLAKE FINANCIAL SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Fresno Credit Bureau XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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:
I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXXL XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
They are not standing upon the law that governs them. Eperian And XXXX have not followed the fair debt act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief