BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing made a billing error on my first statement after they purchased my loan from XXXX, and in their error, they are charging me {$670.00} in late fees, on an account that has never been late. I tried to call customer service, as well as fax my request with copies of my previous mortgage statement that shows the account was paid up to date, and the company did not resolve the issue, multiple customer service agents said they would look into the issue and contact me back, they never did. After multiple attempts at phone calls, messages, and faxes, one of the customer service team members lets me know that unless my request is mailed to a XXXX XXXX they completely ignore it. If the request is not mailed to the XXXX XXXX within XXXX days, the fee becomes valid, even though they charged it in error. I have now mailed the request with all supporting documentation to the XXXX XXXX they have, and I am working through the process of correcting this issue with them. I am filing a complaint because their process is incredibly difficult for a consumer to follow in order to notify them of their own billing problems. The po box address is hidden in " fine print '' on the statement and is not easily accessible through regular view in their website.

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 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Bank of America. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well that I sent to Bank of America. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX or alleged HELOC money withdrawal checks made by me. As well as all original loan documents as stated in my letter. Because there are several discrepancies regarding the HELOC. Also Bank of America is trying to Evict me from my home by using my spouse name to do the Eviction as if we have no connection to one another. Bank Of America is using XXXX XXXX XXXX XXXX XXXX as a cover up for the Eviction when XXXX XXXX XXXX XXXX XXXX stated not to have a record of my home or any involvement with my home several time via email.

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 2022-07-05
Company: EQUIFAX, INC.
State: TX
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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
Issue : Unable to access credit report from Equifax to get approved for a mortgage. Called customer service. Multiple agents have told me the same thing. " Please send us a cover-letter requesting your information be updated, along with copies of your social security card and documents pertaining to your residence in XXXX XXXX' XXXX I have provided everything including my D.O.B, address, and phone number. Included as well was a copy of a utility bill. 

As of XX/XX/2022, I, XXXX XXXX XXXX have consistently faxed required documentation to the number provided by Equifax information services. 
I have also mailed documents XX/XX/XXXX and XX/XX/XXXX to Equifax information services in an attempt to " unlock '' my credit report in order to proceed with my mortgage. No matter how many times I call Equifax the situation remains the same and they claim to have either 1. No record of me and I must submit documents 2. My Credit report is Frozen and needs to be unfrozen by submitting documents. And 3. There is a fraud alert on my credit report and must submit documentation for Identity verification. 

It has been 20 days since first submitting documentation to Equifax to verify my Identity. I have received two replies in the mail thanking me for my request, but must submit documentation, which was submitted in the request. 

Equifax is taking my personal private information and " losing '' it as I have submitted the required information countless times via FAX and twice via email. No Agent has been able to help me, and no agent will provide me any contact information for thos responsible for receiving my sensitive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: VA
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:
This submission is NOT from a third party. I XXXX XXXX the natural person and consumer sent a letter to EXPERIAN On XXXX once again informing them they were reporting misleading fraudulent accounts on my consumer report. They received it on XXXX & have 7 days upon receipt to send me my deletion request.

Pursuant to 15 USC 1681a ( 4 ), EXPERIAN is currently in VIOLATION as a consumer reporting agency for not exercising their grave responsibilities of reporting information with fairness, impartiality, and a respect for consumer privacy. They lack impartiality & fairness by continuing to report DISPUTED transactions on my consumer report. The violation continues by not respecting my right to privacy as a consumer by reporting information solely as to transactions/experiences involved by the person creating the report and I the consumer as stated in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In conclusion Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) Consumer reports EXCLUDE any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I didnt give anyone authorization to furnish a report on me involving the extensions of credit Im disputing.

I dont consent to the fraud taken place. Im being violated and my rights as a federally protected consumer are being taken advantage of.

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 2017-09-08
Company: EQUIFAX, INC.
State: CT
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:
Equifax was hacked, leading to exposure of my SSN and other details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A.

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 


Account # 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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed chapter XXXX bankruptcy on XX/XX/2019, it was discharged on XX/XX/2019. In my credit reports it shows wrong dates which is effectively effecting my credit. Ive sent the credit bureaus my discharged, Nothing has been updated.

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 2017-08-21
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX XXXX stating that my debts with Navient Private Education Loan are now settled. When I paid these balances with XXXX XXXX XXXX XXXX XXXX, Navient would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XXXX and for XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
could n't pay the note, once repossessed they added another XXXX on the car so I could n't get it.. they then sold it did not disclosed the amount they sold it for and left me with a balance of {$10000.00} for a {$15000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: IL
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 reached out to the credit reporting agency on the account several times on previous report it shows it was in included I. The bankruptcy then on the current dispute they reported it as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing the late payments showing on my account for Westlake Service Inc which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recieved a call from XXXX. The man stated he was from dynamic recovery solutions and was collecting a medical debt from XX/XX/2011. He wanted an updated physical address and payment. He stated that there was a new law that he could attach my taxes and this would negatively affect my credit. He stated he would give me a 50 % discount which equaled around {$650.00}. He gave me a number to call back and stated I had until Tuesday and he would hunt me down if I didnt. He stated his name was XXXX XXXX and callback number of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.

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 2017-08-21
Company: EQUIFAX, 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:
I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: AES/PHEAA
State: WA
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:
I have been working toward Public Service Loan Forgiveness, and have been working at the same eligible employer ( a public 4-year university ) since XXXX of XXXX. I have been regularly submitting employment certification forms in order to maintain a real-time tally of the number of qualifying payments made toward my total required count of 120. Currently, my payment counts on all but two of my loans are 118 ( the remaining 2 are 119 ) but only 115 ( and 116 for the two outliers ) have been logged as qualifying, and I contacted them today ( XXXX ) about a three-month period XXXX XXXX XXXX that has been left off my totals even though I provided them with an employment certification form for that time frame in XX/XX/XXXX. I was told that those qualifying payments were still under review by an outside entity, and they could not give me a timeframe for when they would be added to my payment count, even though I have submitted employment certification forms afterward that should retroactively reflect my continuing employment eligibility. I am concerned that this will not be resolved by the time I reach my 120 qualifying payment requirement in XXXX, and that this will delay the approval of my final PSLF Loan Forgiveness application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/2018 with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX on XX/XX/2018 for  the account, stating that the account does not belong to me. The account has not been removed my credit report.

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 2017-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Some one dryed to apply for a capital one credit card with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: NY
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 was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX, XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected

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 2022-07-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
After submitting letters by certified mail to " XXXX XXXX  '' the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, XXXX and Equifax. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.

Company response to consumer: Closed with explanation