BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
My mortgage from Bank of America was sold in XXXX to XXXX XXXX. In late XXXX my score decreased by 75 points and when I looked to see why I show Bank of America reported my XXXX payment late. I contacted them directly and they disputed the information on my behalf on XX/XX/XXXX. I was then sent a letter from them that the information is accurate and dispute was closed. I contacted my current mortgage company and got a copy of the letter of transfer and also my payment history. I called Bank of America again and they agreed it was an error and opened another dispute XX/XX/2019 and again once they were contacted by XXXX  they reported accurate. I've tried twice now to dispute and go through proper channels but they keep disputing the issue on my behalf and then disputing their own 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 2018-06-02
Company: EQUIFAX, INC.
State: AZ
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:
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you Equifax => - XXXX XXXX XXXX - XXXX XXXX - XXXX | XXXX => -  XXXX | XXXX => - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: SYNCHRONY FINANCIAL
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:
I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}. 

I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated. 

My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS, Specialized Loan Services purchased our home owners loan in XX/XX/2018. They advised us of this fact after we had made a payment to our previous loan company, and then have made harassing calls ever since they acquired the loan. 

If they do not receive the payment by the first of every month, they are leaving messages, or calling my cell phone about payment, and the payment is not considered late until the XXXX of the month My wife and I have credit scores in the 800 's, and have never, in 20 years had issues with making our loan payments. In fact, we generally pay more than is required to get the loan paid off earlier.

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: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did a Credit Sale with XXXX roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft. 

I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation. 

Sincerely XXXX XXXX

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

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

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 2017-09-29
Company: Nelnet, Inc.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

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 2022-01-19
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: Personal information incorrect

Complaint:
I submitted a complaint about Equifax. 
complaint I.D XXXX and mailed a certified letter to equifax indicating for them to remove the extended fraud alert from XXXX report as I never requested to have one placed. 

I received a letter from Equifax indicating that there are no alerts on my report, however, this is incorrect, please see attached file from XXXX  of credit report pulle XXXX  XXXX indicating there 'file status : extended fraud alert '' Please remove extended fraud alert immediately yo avoid legal action.This is the second request and it is being documented as well as the first one, which was sent via certified mail. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ( Original Creditor : MONTHLY PAYMENT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

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 2019-11-25
Company: Experian Information Solutions 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:
THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  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

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 2022-01-19
Company: EQUIFAX, INC.
State: MA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During Covid, I was in a forbearance with XXXX XXXX, in XXXX of XXXX, they notified me that my loan would be serviced by SLS. At that time, I could no longer get a hold of anyone SLS and neither was able to get into my account on XXXX XXXX. 
After many calls and paperwork with SLS, I went into a 90 Day Loan Modification trial period. 

As of XX/XX/XXXX, my trial period was over. 

I received a notice of my final statement for my XXXX, XXXX, XXXX payment on XX/XX/XXXX. That day my credit report app and bank alerted me of a drop in my credit rating dropped over XXXX points. I noticed the " reason '' and it showed SLS had reported my mortgage was over 120 days late. Missed payments is what the credit report shows. 

I now have a letter from SLS congratulating me of my Modification Agreement and to please sign and return. 

Because I am now outside of my XXXX trial period, I am trying to refinance my loan to get a better rate. I can not get a better rate because they reported my loan to be over 120 days late. 

I have called SLS and informed them of the credit issue and they said that once I send back the paperwork, then they would address the fixing the credit report. 

I understand the forbearance and modification would never hit my credit report. 

I really need help getting this fixed as rates continue to go up, I can't get out of this loan with SLS to move on.

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: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX, XXXX XXXXXXXX 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 2019-07-30
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:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Our original XXXX mortgage was sold by XXXX to XXXX XXXX  in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL XXXX SOLD TO XXXX XXXX XXXX in 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 2022-06-21
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are two identical negative marks on my credit report from Commonwealth Finance for {$1700.00}. The two of these combined is having a {$3500.00} negative report on my credit. Theyre duplicates and one needs to be removed. 

Also, if you investigate further according to XXXX statues of limitations this XXXX XXXX was reported after XXXX XXXX. XXXX XXXX of XXXX is when I incurred this debt. The debt collection was opened passed the XXXX XXXX mark according to the credit report in which it should be null and voided. 

It is illegally trying to be collected as well as having duplicate accounts on my credit just to make my credit report worse. 

They both need to be removed as it is unlawfully trying to be obtained. Ive disputed this numerous times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: MD
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:
I did not give Equifax Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.

Company response to consumer: Closed with explanation