BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: SN SERVICING CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple letters XXXX referencing an account number XXXX ) from SN Servicing Corporation regarding a property they claim I own. I have NO knowledge of this property and have NEVER done business with this company, SN Servicing Corporation nor the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX 2013, referenced in the letters. 

The multiple letters and statements claims a payment due of {$37000.00} and an outstanding principal of {$110000.00} with no supporting documentation or anything, just simply their " word '' of a mortgage loan owed. 

They claim I am 1465 days late on a mortgage that I never got and that if I do n't pay they will foreclose. What mortgage lender waits 4 years to foreclose on a property? NONE! Also, they send other letters claiming they are attempting to collect on a debt. So some letters state I am behind on a mortgage I never had and then other letters saying this is an attempt to collect on a debt. 

I have called multiple times and constantly transferred to XXXX XXXX XXXX whom is also listed in the multiple debt collection letters sent ) who never answers nor calls back regarding my multiple voicemails. 

I have also emailed multiple times to the ceo and to there customer service department and sent an overnight letter demanding they cease and desist on all contact and telling them I dispute this account as it is not mine. 

My multiple and varied inquiries into this Fraudulent Account are being ignored and there are no signed and notarized loan documents in my name bearing my signature. Therefore, I am contacting a lawyer as well as filing this complaint with Consumer Financial Protection Bureau against this company.

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 2022-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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 2019-07-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates has been retained by XXXX, XXXX XXXX XXXX for a collection of {$810.00} for date of service of XXXX. During this time I was insured with XXXX. I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX./XXXX XXXX XXXX to XXXX   on the referenced date of service. It appears that XXXX, XXXX XXXX XXXX never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX XXXX XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit. I have attached a copy of the collection notice from Wakefield & Associates, along with a copy of my XXXX insurance card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is attempting to collect a bill from a XXXX nearly two years prior. After multiple billing mistakes on their part, they were paid over {$1300.00} two years ago. Now the are producing another bill for {$120.00}. They were never able to provide documentation that I am liable for this. I never agreed to pay this. It was turned over to Money Recovery Nationwide and has been placed on my XXXX  report as delinquent. Money Recovery Nationwide never provided supporting docs for this debt. All they provided was a general consent to treat form from the hospital ( XXXX XXXX ) not the XXXX. <P/>XXXX and XXXX have already investigated this case and have removed this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When Equifax had their data breach, I attempted to add a credit freeze to protect myself from their negligence, but their negligence and incompetence continues to be a problem. First, their system crashed when I put the credit freeze. I received an error message on the screen, but when I tried to reenter the info for the credit freeze, the system only gave me options for unfreezing. I did not receive the required PIN to use when unfreezing my information. 

I attempted to use the online system to issue a PIN, but all the appropriate links went to dead pages. I called their customer service number and after waiting for an hour, I got ahold of someone that said they were only answering data breach questions so I would need to call back. 

I wrote them a letter and explained that I needed a PIN for the credit freeze on my account, if indeed a freeze had been placed. They replied by mail that a freeze was in place on my account - and ignored my request for a PIN. I sent a second letter that was very clear that their system did not provide me with a PIN and the online PIN replacement process was broken. I received a letter back that said my address had changed in the last 30 days - I have lived at the same address for the past 20 years! 

I will try a third letter in the hopes of finding someone competent, but the government really needs to step in and shut this company down. At the very least, provide the consumers with an opt out for credit reporting agencies that are irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2017-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On X/XX/17 I reached a settlement agreement with Bank of America for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. Bank of America updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>Bank of America has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue has been going on for over 5 months. The account was never setup on escrow and taxes were paid directly to the county. However, CMC sent out taxes and forced my account to have escrow claiming I needed to pay the back taxes ( which was already paid ) in addition to the new taxes that needed to be paid for the year. My monthly principal and interest is less than $ XXXX but they were forcing me to pay close to $ XXXX. They stated that I couldn't close the account from escrow until the account was brought to a positive amount, forcing me to make a payment even though I sent them proof of payment in XX/XX/2020. I have called back multiple times ( XXXX, XXXX, multiple calls in XXXX, XXXX, multiple calls in XXXX ) and this issue is still not resolved. Aside from being hung up on, provided false promises with supervisors calling me back, and misinformation, they have NOT refunded my money ( payment of {$2600.00} pay # XXXX on XXXX ) that they stated would be needed to just close out the escrow account. Also, they stated that they sent money to pay taxes on my property, but when I paid it for the 2020 year, it did not show that there was a credit balance. They are a fraudulent company and have been holding my cash hostage during COVID times.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a balance transfer, and it took place on XX/XX/2022. My due date was XX/XX/2022. The transfer was confirmed by XXXX card on XX/XX/2022. On the XXXX of XXXX Aspire charged me interest, yet I had a XXXX  balance. They posted my payment on the XXXX and then later through an investigation realized I WAS CORRECT and removed the late fee but to date has refused to remove the interest and KEEPS TELLING ME they are reviewing it when I ask again and then charge more interest. They have been extremely difficult and string you along for hours in chats, mocking you as well as in emails, all the while telling you they need 2- business days to review and NEVER RESPOND.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
On or around XXXX XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XXXX XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within 5 days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My problem is with Chase Credit Service ; I DO NOT have a Chase Credit Card. The fact is that I'm getting 3-4 Chase Credit Services calls from 5 different states. I answer ; nothing but silence. Will you help me stop this harassment? Can I legally go after them for this? The calls are as follows ; all 2019 XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX Texas ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Florida ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Arizona ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Missouri ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Upgrade, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This company on XX/XX/XXXX placed me on a hardship repayment plan and took off my ACH and said that I do not have to pay XXXX payment. The management team did listen to the recordings and did confirm that this is correct but every month since then they report to the credit bureau that I am late. They had to send over two-three credit correction forms and every month they still report me late. There is a glitch in their software system that sends me to collections. NOBODY at this company can fix the problem. They send me to every department and no resolution. This company is not receptive to the customers ' needs or complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20
Company: Ceannate
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The I3Group is a harassing company and apparently they dont have information that they are claiming to have about my student loan. My loan is not in default but they insist that it is. I make my payments and when I look at my federal loan account online statements when they called they said that the information is not correct. They call from different numbers and are extremely harassing throughout the day. I am currently in the do not call registry and this company says it does not apply to them. They consistently ask for person information such as social security number, date of birth, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NJ
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 a report on my Equifax statement that has been paid in full. I have spent 45 min on the phone on hold tried to submit my problem online after I phill out all the information and enclosed paperwork. There system is not working at this time I have tried this 4 times I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 2022-05-01
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:
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 Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX, XXXX, and Experian requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.

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 2017-10-24
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:
I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for XXXX XXXX. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!

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