BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello Consumer protection, please protect me! 

I am XXXX XXXX XXXX and, This stealing must stop. I paid my H.O. Ins policy in full as I always have. Im the XXXX XXXX  on my policy. ( See attached ) Its Paid in full, so XXXX is not paying anything. Theyre just stealing money from my escrow. 

They have not made a payment at all for years. WHERE IS MY MONEY? 

My homeowners insurance goes down My Property taxes goes down ( see attached dated documents ) But SLS. Continues to take payments for these escrow bills out of my account knowing they are not paying anything or any agency. WHERE IS MY MONEY from my escrow account? 

I need ALL OF MY MONEY BACK I NEED MY ESCROW OUT OF THE SLS AND TO BE PAID ONLY BY ME. 

This is larceny, fraud and criminal because SLS KNOWS THEY ARE NOT PAYING MY ESCROW -.BUT INSTEAD STEALING MY ESCROW FUNDS. 

See SLS lie below saying they are making payments. My insurance company is not collecting double payments. Im the writing insurance agent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY. XXXX ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX Date : Friday, XX/XX/XXXX Subject : We Just Made Your Insurance Payment To : XXXX Error! Filename not specified. 

Hi XXXX XXXX, This is a confirmation email to let you know we just made one or more insurance payments for your loan ending in XXXX. 

XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Our customer website makes it easy to view your loan information. Click the View Transaction History button below to access your account. 

You can make payments, order payoff quotes, change contact information and much more. 
Never miss a payment! Set up recurring monthly ACH payments credited directly to your account. 
Go Green! Help the environment by signing up for electronic document delivery. 

Error! Filename not specified. 

We have also created easy to follow XXXX videos to guide you through what to expect if your loan servicing has recently transferred to Specialized Loan Servicing LLC. The videos also explain the information included in your periodic statement and your escrow analysis statement. 


Questions? Contact Us. 
Error! Filename not specified. 
Monday Friday XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Error! Filename not specified. 

www.sls.net If you no longer wish to receive email communications from Specialized Loan Servicing LLC, click here to unsubscribe. You may also update your email preferences by logging in to www.sls.net to access your account. Select the Customer Profile link, then selecting the Change Email Preferences tab.

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 2022-08-20
Company: EQUIFAX, INC.
State: OK
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 filed a dispute to have this account deleted due to lack of consent they verified it its your debt remove this from my report today. 

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Wrong 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 2022-06-06
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a Vanilla {$500.00} gift card for my girlfriend 's birthday on XX/XX/22. It was purchased at a supermarket about a mile from my home. I held on to the card until XX/XX/22 the actual birthday. When she tried to use the card, it had only XXXX cents left on the available balance. 
After checking online and calling customer service it seems that while I was in possession of the card someone was able to make a purchase in another supermarket XXXX miles from my home. For the entire amount of the gift card except for about XXXX cents. 
I filed a report with Vanilla the issuer of the card and they just keep telling me that it is under review. Its been 90 days so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
There is zero record of my Master Promissory Note for this loan. I have made repeated requests to Navient, who was the original holder of my XXXX XXXX XXXX XXXX loan from Sallie Mae to Navient, and no one is able to produce this document. This document, which should be held by both Navient, XXXX and the Department of Education, can not be found by anyone. This loan was originated in XXXX of 2006, and has since been transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: PA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. 

According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681S-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on!!! 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. 

According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681S-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go 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 2022-04-23
Company: ALLIANT CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone is useing my name and address and social number and got a credit card and run it up to XXXX it was identify fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, XXXX, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]

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 2022-06-22
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: Investigation took more than 30 days

Complaint:
I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, Equifax, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26
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:
On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX authorities about the possibility of fraudulent accounts being opened using my customer information. I begged everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still shown in my documentation since they had been " confirmed. '' This issue frightens and bothers me since it makes it impossible for my family and I to purchase a home. On XX/XX/XXXX, I called the XXXX businesses again to inquire about how they could verify that these accounts belonged to me. They advised me to contact the debt collectors directly because they were unable to assist me further. Every bank that the client called and left a message with had been dialed improperly ; they had no idea who I was or what the accounts were about. I checked the internet to make sure I hadn't made a mistake. My friends recommended me to go to the CFPB website. I'm hopeful this will work because my family and I are eager to buy the house we've been looking for.

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 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had did a stop payment on a bill due to I had a more important bill due that couldnt be missed. During this time everybody XXXX near broke in America the only way you guys are willing to refund a fee is if we sick or unemployed. I been with you guys about XXXX yrs now I only ever did like XXXX refunds and all these refunds just started happening while we in the pandemic and now prices of food gas everything expensive. I would like to have my {$30.00} stop fee refunded please. Also your workers should ask if theres anything else they can assist us with instead of sounding like we being rushed off the phone

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to removed this suspicious information. I think you have not blocked these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XX/XX/2023.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il 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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a XXXX balance on my Capital One card since XX/XX/2021. My account is restricted, and I can not use the card. If Capital One will not allow me to use the card with an account that has not gone into collections, this account is of no value to me. It continues to hold derogatory remarks on my credit report. I have done my due diligence to bring the account to XXXX  balance with a {$1500.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023, XXXX, I reached out to Credit Corp Solutions to attempt to arrange payments. I was forwarded to three departments, while each representatives stating that the account reached their law suits division and they were getting ready to take legal action against me. I had to okay an agreement in order to not face law enforcement taking action. Each representative did not try to work with me on the plans I had arrange that would be easy for me to pay. I had to agree to a plan that is out of my budget so they wouldnt press charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regarding complaint # XXXX Its been XXXX  days, and Transunion has NOT responded to the CFPB regarding my complaint. 

Transunion has failed to respond to myself via written notice. 

Transunion is bound by law to remove the derogatory item that they have furnished on my credit report. 

Transunion has failed to respond to my dispute within the 30 day time period.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: GA
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 Loan XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX BANKRUPTCY Docket Number 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 explanation
Consumer complaint received 2022-08-20
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX & I am no longer responsible for the debt here shown. 

Company : Midwest Credit & Coll Opened : XX/XX/2021 Amount : {$730.00} Sold/ placed for collections to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint, regading SPS Serving not providing XXXX with requested info for receive assistance package. CFPB opened case and closed without resolution. SPS and XXXX are not communicating. 

It is imperative that SPS submit requested info for XXXX so I can receive assistance package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Phillips & Cohen Associates, Ltd.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it. 

Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation