BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Specialize Loan Services ( SLS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Consumer Financial Protection Bureau Previous COMPLAINT ID : XXXX, Submitted XX/XX/XXXX Outcome : As of XX/XX/XXXX, Specialize Loan XXXX XXXX XXXX ) responded to the complaint. However, XXXX Failed to Resolved the matter in the complaint. 

I am submitting a new complaint because SLS failed to Resolved the matter in the above-mentioned complaint ( attached ). 

SLS Mortgage indicated in their response to my original complaint ID : XXXX that they contacted me regarding the AHFA information needed to resume my payments. This information is not accurate. However, I did received numerous HARASSING collection communications from SLS Mortgage. 

In addition, as of this writing, SLS, has not corrected the issue of my complaint ( attached ). The Mortgage company indicated in their response that addition information was submitted to XXXX to resume payments on XX/XX/XXXX. This is unclear, my loan was not transferred to SLS Mortgage XXXX until XX/XX/XXXX. Also, SLS did not do what they said they were going to do to resolve the matter. 

As of this writing, 1. have not received confirmation that AHFA has received the required documents from SLS MORTGAGE to resume my mortgage payments 2. and the Credit Reporting Agencies has not been updated to remove ALL derogatory reporting from my credit report. 

In fact, according to XXXX XXXX ( AHFA Supervisor ) email ( attached ), dated XX/XX/XXXX, their office still has not received the requested mortgage information to resume my payments. The email further states that there are 43 other homeowners information that SLS has failed to submitted to their office. For that reason, they have forward to the HAF Administrators due to SLS failure to cooperate.

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 2023-05-12
Company: FIRST FINANCIAL BANCORP
State: IN
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 have attempted repeatedly to have First Financial Bank report my mortgage payments to the credit bureaus by filing disputes. My mortgage is current and the payments have been timely the past 6 months, however, they are not showing the account as open, but closed and have not reported any payments whatsoever. This is crucial to my ability to improve my credit score which is also detrimental to acquiring work, credit and refinancing to name a few. I simply want them to report my payments to the three main credit bureaus : XXXX, XXXX and XXXX so that they have a record of my payments and show my account as open not closed.

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 2023-09-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Equifax because they are NOT updating my credit score or reflecting any of my history for the last 2 years. I legally changed my name 2 years ago and have updated all XXXX Credit bureaus. They do reflect my legal name on their respective websites. I have been unable to get any financial institutions to talk to me because they say my credit history is blank. I have called Equifax 4 times and each time they said they would elevate a ticket to a specialist and they will contact me in 2-3 days via phone or email. NO contact. That has been 3 MONTHS of calling and waiting with no resolution. Ive looked it up and found other complaints similar to mine and they say its likely a split file whatever that means. I'm frustrated that customer support of Major Credit bureau that affect my life cant be bothered to fix the score they are assigning to me and causing me stress. I need help from someone at Equifax that WILL ACTUALLY do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Lendmark Financial Services
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: Account information incorrect

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

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 2023-01-31
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Starting in XXXX of 2023 my debit card was shared with XXXX app. I use cash app to pay employees that don't have bank accounts. My debit card was charged small amounts that totalled {$17000.00}. I disputed this with my bank because all transactions we're unauthorized. Wells Fargo along with XXXX app have denied my claims. I sent proof that in XXXX I was experiencing sim card issues we're it was believed that my Sim card was compromised. Neither company looked at the evidence I provided and they both denied my claim. My company is out XXXX with no explanation of the reason why it was denied. I'm asking both parties to provide information why the claims have been denied. The amount of money taken from me is unfair. Wells Fargo is suppose to have my back. Cash app had been on the news for months and I'm also apart of the data breach. Please help

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 2023-09-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For a few years now, two collections accounts from this company ( XXXX for {$710.00}, and XXXX for {$780.00} ) have sat on my credit report, negatively affecting my credit and FICO scores. I do not know where this debt came from, I am unfamiliar with this company and I have had no known dealings or contracts with this company. I don't know where this negative information is coming from. 
There is no paperwork, account information/ number provided to me anywhere or anytime to support why this debt even appears on my credit report. It is a phantom debt on my credit report. This company has a terrible XXXX  rating and I am submitting a complaint to that agency as well. They have a habit of placing phantom, random collection accounts on consumers credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Ivy Street Development Corp.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did not know this amount was still owed until I saw it on my credit report a couple of years ago. I immediately contacted Southern Tier credit and paid the {$53.00}. It was removed from both my XXXX and my XXXX XXXX accounts. I have just now requested a report from your organization and found that it was not removed there. I think it was an XXXX XXXX bill that I didn't remember receiving, all the others were paid. I am not sure who to contact now. Southern Tier?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing has not paid the insurance companies from our escrow account, despite numerous calls and emails ( with both the insurance companies and Shellpoint copied on the emails and, at different times, included on the calls ). We have already paid over {$600.00} out of pocket to cover the insurance premiums ( in order to avoid cancellation of the policies ). These premiums should have been paid by Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NY
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 fair credit reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

Account name : XXXX, Account name : XXXXXXXXXXXXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-09-04
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Was not given notice my landlord told me she found it on her porch. They are garnishing me for charge offed and closed medical accounts. Take money from every check barley afford my medication

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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 

I ask that the items be deleted to correct my credit report. Fraududlent accounts : 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 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 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 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 2023-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account from XXXX XXXX debt collection agency reporting on my XXXX, Equifax, and XXXX credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor XXXX XXXX XXXX made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXXXXXX XXXX name is removed from this lease so it should not be reporting on my credit reports with Equifax, XXXX, and XXXX. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
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 am writing to express my serious concerns and file a formal complaint regarding an error in my Equifax credit report and the associated leak of my personal information, which I believe has compromised the security of my identity. This is a grave issue, and I kindly request Equifax 's immediate attention and resolution. 

Today ( XX/XX/2023 ), I noticed discrepancies in my Equifax credit report, where it seemed to be mixed with another individual 's information. Additionally, this error has led to my personal information being accessible to the said individual and vice versa. The mix-up and data leak have caused me significant stress and concern over potential misuse of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to file. a complaint against Cohn , Goldberg & Deutsch , LLC for their egregious violation of the Fair Debt Collection Practices Act. I received a letter from this company dated XXXX XXXX stating that they are attempting to collect a debt and that I had I until XXXX XXXX to request validation of the debt, and if not, the debt would be assumed valid. 

In response, I promptly sent a letter by USPS certified mail tracking # XXXX in response to that letter on XXXX XXXX which was received by this company on XX/XX/2023 at XXXX, which was well within the timeframe. Despite this, Cohn , Goldberg & Deutsch , LLC failed to acknowledge the debt validation letter to provide any proof of the allege debt. Which it is now assumed invalid. 

To my dismay, I discovered that on XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a claim in XXXX XXXX, MD District Court, which not only contradicts the FDCPA but also constitutes unfair and deceptive practices. They have not only disregarded my request for debt validation but also pursed legal action without proper verification. 

It is essential to note that I have mail forwarding from my previous address to my current address which was provided to the company in the letter received by them, and I use USPS informed delivery to monitor incoming mail. Despite this, Cohn , Goldberg & Deutsch , LLC has not sent any response or validation documents. 

Within the 30-day timeframe specified by the FDCPA, all collection activities were supposed to cease and desist until validation was provided, giving me 30 days to investigate once received. However, Cohn , Goldberg & Deutsch has provided no response, denying me the opportunity to validate the allege debt. 

Furthermore, I sent another letter Dated On XX/XX/2023 which the company received XXXX XXXX at XXXX ( USPS tracking XXXX ) explicitly informing them of their FDCPA violations and the lack of grounds to purse legal action. In this letter, I emphasized that any attempt to sue would result in a lawsuit being filed against their company for damages deemed reasonable. It is crucial to note that I made them aware that their silence would be considered acquiescence, implying their agreement to be sued for any claims I may file against them. 

Despite these explicit warnings and attempts at resolution, the company has failed to respond, further demonstrating a blatant disregard to the FDCPA and a lack of commitment to their duties and resolving this matter amicably. 

Your assistance in addressing this matter and holding Cohn , Goldberg & Deutsch , LLC accountable for their actions is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 been going back and forth with all three consumer reporting agency 's XXXX XXXX and Equifax regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$670.00} XX/XX/2020 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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