BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: ProCollect, Inc.
State: TX
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:
In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.

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 2015-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2017-01-17
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since Specialized Loan Services ( SLS ), has assumed responsibility for my mortgage XX/XX/XXXX, I have experienced ongoing issues ( i.e., misc unexplained fees charged to my Escrow Account, additional principal paid and not applied, payments being significantly increased without justification and/or notice, etc. ). 

On XX/XX/XXXX I contacted SLS as I received an " Intent to Foreclose '' notice. I immediately called and spoke with XXXX. XXXX stated I had been XXXX cents short in my last 13 payments and owed {$1.00} to bring my account current. I was told that due to my BK status, I was not provided any documentation/notice ( NOTE : My BK was completed and case closed on XX/XX/XXXX ). I paid the {$1.00}, reviewed my payment history with XXXX and was assured my account was current and I only owed upcoming XX/XX/XXXX payment in the amount of {$1100.00}. I was also advised by XXXX that they will now send me monthly statements and first one was mailed to me on XX/XX/XXXX. To date, I have not received the statement. 

I logged into my SLS account on Friday and saw a past due balance and notification they have a 'SUPPRESSED - BAD ADDRESS '' for me. I called SLS today as they were closed yesterday for the holiday. I spoke to XXXX ( Supervisor ) regarding address and confirmed the address SLS has on file for me is my correct address. She also told me my account was 60 to 90 days past due. I was then transferred to XXXX in Executive Services, who informed me her records show I was 90-days past due and that every month I make a payment, it is being applied to previous months. I let XXXX know that I have never been late with my mortgage payments and had been through this for over 2 years with SLS. I let her know that their accounting systems are incorrect not to mention NOT transparent. I explained my frustration that every time I speak to an SLS representative, I am told a completely different story about my account. I let her know I have an XXXX spreadsheet noting every payment made to SLS and date my checks have been cashed. I also told her I have {$520.00} in additional principal paid XX/XX/XXXX and XX/XX/XXXX that no one has accounted for to date ( has not been applied to principal or escrow account ). 

I am filing this complaint as a matter of formal record to complain about SLS 's accounting system/ lack thereof. How on XX/XX/XXXX can I be told I am current and 11 days later I am advised I am 90 days past due? Attached is my XXXX spreadsheet for your perusal.

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 2015-04-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Experian has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. 

Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place:1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX company put {$26.00} collection account on my credit report without contacting me, or giving any notice or invoice, 4 months after I closed account and paid it in full. After I closed account in XX/XX/XXXX, for few months I called every month asking what is my final bill is, they could not tell me because they " did not read the meter yet ''! Finally, XX/XX/XXXX I called and they told me I owe {$28.00} outstanding. I paid the {$28.00} immediately. I never received any bills or notices that I have any more outstanding balances. All my mail was duly forwarded. Then all of a sudden XX/XX/XXXX i saw a " collection account '' from XXXX XXXX for {$26.00} on my credit report! For 10 months now I am trying to get it resolved thru Experian Credit Agency. I submitted dispute. After 30 days they informed me that " they verified the account ''. No additional information was provided as to exactly what information was verified and by which documents it was verified. When I tried to dispute their " investigation report '' they said this account was already investigated once and refused to make any further investigation into this dispute.

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 2016-11-02
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I mailed my check in to pay my mortgage it usually takes 10 days it took XXXX the check bounced my bank took the check out the same day but took the check out before my direct deposit went it. My bank forgave the fee because it was 20 minutes difference. I called SLS immediately to submit my payment over the phone and stop payment. They told me that it was ok to wait for a notice. I called every week for a month. XXXX said to wait, I received notice of foreclosure if I did not pay my over due payment. I called XXXX again paid immediately like I tried to do two months before I asked if this was going to show up on my credit report because I tried over and over again to fix the problem she said no it would not show up on it. I tried to refinance and was denied because SLS put on my credit report that I was 2 months overdue. I called them they said to send them a letter to review it. I called again the lady on the phone said that she could not see why it took them 2 months to put it back on my account and they would look into it to call back in a week, I called back and they said that they could not do anything for at least a month. I have asked then to help me over and over again with no results. So I do not trust them to do this and I will loose financing. please help. They doubled my loan amount. I have tried to get the loan modified. sent paper work twice was denied and I have no idea why. I asked then to look into it never heard from them. I called again they said that they have no idea why I was denied. So I have no faith that they will do what they say.

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 2016-01-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection that 's been showing on my Experian and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with Experian or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This latest complaint is related to prior complaint no. : XXXX. The customer, XXXX XXXX, did not receive a satisfactory response from JPMorgan Chase in that earlier complaint. A paralegal in my attorney 's office tried to resolve this matter and we received various reasons why Chase did not refund my escrow. Chase actually sent us XXXX ( XXXX ) reasons why they kept the escrow funds in my mortgage account. The latest '' reason/excuse '' was dated XX/XX/XXXX ( copy of letter enclosed ). The paralegal in my attorney 's office sent a response dated XX/XX/XXXX ( copy of letter enclosed ). 
I settled the foreclosure action and my mortgage was satisfied on the court records. My attorney and I settled the litigation by my paying the sum of {$25000.00}. This was much less than Chase was claiming I owed. The settlement Agreement does NOT mention or address my escrow balance existing at the time of the settlement. A MORTGAGE SATISFACTION PIECE ( pursuant to 21 XXXX Statutes, section 681 ) was filed with the court on XX/XX/XXXX. We have been battling Chase since that date. Since that date, we have received SIXTEEN ( 16 ) letters from Chase stating : " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry of request ''.. The letters always conclude with this statement : " We will have an answer or a status update for you by ( date inserted ) ''. Sixteen times.! I received XXXX ( XXXX ) different reasons why they would not refund my escrow. The latest is the one of XX/XX/XXXX.. I do n't know which of the refusals they intend to stand on now. All XXXX ( XXXX ) can not be accurate. Since I did not hear from Chase by the 30 day deadline, this complaint is therefore filed. I am marking the box " MAKING PAYMENTS '' below as it most closely relates to my problem of Chase refusing to remit my escrow funds. 

I am unable to attach the reference documents electronically, but will forward them directly to your office as soon as possible. 

We are dealing with Chase at this address : CHASE ( XXXX ), XXXX XXXX XXXX, XXXX, OHIO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
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:
I have attempted to get Specialized Loan Servicing to correct my account since XXXX 2016. Since XXXX 2016, each month, they " lose '' the payment that is sent electronically to them directly from XXXX XXXX Bank. Each month, I call them and they state I must submit written proof of payment, which I do. XXXX and XXXX monthly payments have not yet been corrected on my account and I was charged a late fee, because SLS returned the XXXX payment claiming I had an incorrect account # on the payment. The payment set-up with XXXX XXXX electronic submission has not changed since SLS started to receive payments two years ago. I spoke with XXXX at SLS and she told me that the payment was returned in error ( the conversation was recorded by SLS ) and to re-submit the payment, which I did. Therefore, the late fee needs to be removed. The late payments on my credit report also need to be removed and corrected. I have tried to call XXXX and speak with both supervisors and managers, ( e.g., XXXX on XXXX/XXXX/16 ) to have the XXXX and XXXX payments corrected and the monthly late fee removed. I received my XXXX statement today and these corrections have still not been made.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: SC
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:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2016-11-08
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been recieving emails from a group called AMERICAN ADJUSTMENT BUREAU about a payday loan that i know nothing about, recently i got a call from them and when i asked for more information regarding the debt so that i can also investigate it they hung up the phone and when i called back they pretended they did not contact me in the first place now when ever i call it goes to voice mail and no one ever calls back. On the recent email that i got from them it sounds like they are threatening me or trying to scare me to send them money. I am scared because they have my vital information I.E they have my ssn number, my DoB and my bank account number. And on the email that i got from them they did not provide a way for me to contact them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian unilaterally decided a compliant did not come from me and refused to move forward on requested corrections and disputes

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 2017-03-03
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The above selected categories are not exactly what has happened, they are the closest to identifying it. 
I am repaying a medical bill thru automated deduction from my bank account. Medical Data Systems is the bill collector. I began the repayment in XXXX. Yesterday, I noticed my credit score dropped XXXX points XXXX, due to another medical bill for XXXX, it showed the reporting entity as Medical Data Systems. I called MDS and " XXXX '' told me that yes, they reported it, and it was for the bill I am currently repaying!!! That company policy is double reporting every month. This additional posting will remain on my credit report for 7 more years. This bill is the last one from XXXX when I had XXXX, I have been paying off bills for 4 years. When I expressed my outrage and that I would be filing a complaint, he offered me a " settlement ''. A onetime payment of XXXX today and they would wipe out the balance. However, they would not remove the double posting and would not restore my score. Well, I do n't have XXXX today and when I told him that, he asked me if I could ask a family member or a friend for the money ... ..Since the initiation of the repayment agreement, I have not missed or been late. I find this behavior incomprehensible. Too many entities have access too and the ability to effect your credit negatively. It takes a literal act of congress to reel these entities in.

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 2015-06-14
Company: IQOR US INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2015 I received a letter from Allied Interstate LLC stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XX/XX/2015 for a request for Validation of Account. As of XX/XX/2015 I have not received a response for validation.

XXXX called me on XX/XX/2015, in an attempt to collect debt concerning XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from XXXX, yesterday I received an alert from my credit monitoring and XXXX has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the credit account XXXX XXXX, XXXX. opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

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