BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over XXXX years old XXXX  XXXX, XXXX To Whom It May Concern, XXXX, EQUIFAX, XXXX Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over XXXX years old XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over XXXX years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over XXXX years old.

Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: GA
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:
Please be advised that I am completely OUTRAGED with the NEGLIGENCE AND NON-COMPLIANCE of Equifax. These actions are unjust to me as a consumer and have a clear disregard for the law. When logging into my XXXX portal, I see that there were XXXX disputes initiated ( not by me ) on, XX/XX/23 and XX/XX/23. The investigation of the disputes was completed on, XX/XX/23 and XX/XX/23 ( document attached ). 

Equifax did not use reasonable procedures to assure the maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The investigation did not verify the accuracy and completeness of the accounts. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 3 ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are an authorized 3rd Party ; We are the Escrow/Title Company that handled the sale, and are responsible for making sure the Release of Lien is filed and done so correctly. 
We issued a payoff to PennyMac on XX/XX/XXXX, to pay off the existing mortgage with them. The home was sold. On XX/XX/XXXX, I began communicating with PennyMac regarding the Release of Lien. The Release was recorded on XX/XX/XXXX, but it was filed under the wrong Document Number. The correct Document Number is XXXX. PennyMac filed the Release under XXXX. I sent PennyMac the fully executed 3rd Party Authorization on XX/XX/XXXX. I have continued to follow up with PennyMac on the following dates-XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The continue to tell me they don't have 3rd Party Authorization. The Release of Lien needs to be corrected and filed under the correct Document Number. The lien is still showing up on title as being open, and is causing a cloud on title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ORIGINAL COMPLAINT XXXX ( XX/XX/20 ) CLOSED BUT THIS IS NOT RESOLVED! 

I understand this complaint has been closed but the issue has NOT been resolved! It is no different than when we started in XXXX. We received a letter from XXXX on XX/XX/20 ( dated XX/XX/20 ) that stated specifically the issues and that all was resolved. ( That's when they closed the complaint ) We immediately requested a payoff statement to verify ( dated XX/XX/20 ), and did not receive it until XX/XX/20 and it is STILL INCORRECT. 

PLEASE SEE ATTACHED DOCUMENTS I've attached a mortgage statement from XX/XX/20 showing a principle balance of {$340000.00} - tell me how, AFTER a total of 6 payments ( 4 lumped together on XXXX of {$10000.00} ) and two others ( XXXX & XXXX ) in excess of {$2500.00} each - how can our principle balance now be HIGHER?? Payoff statement dated XX/XX/20 says we owe a combined principle balance of {$350000.00}!!! 

The transaction history shows 3 different times we were credited for the {$7600.00} ( total of the 3 monthly payments ) - but that it was also DEDUCTED 3 times!! So we did NOT get credit for that {$7600.00} paid and the " second mortgage '' is STILL SHOWING A BALANCE of {$7900.00} - when it should never have been created in the first place!

Also, our escrow has not been corrected! What happened to 3 payments worth of OUR MONEY TO PAY OUR TAXES AND INSURANCE?? This was paid in the XXXX lump payment - 3 months of escrow are missing totaling {$1700.00}! 

We had a mortgage audit done not long after our original CFPB complaint. 
I have attached that for your reference. 

PLEASE help us. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CMG MORTGAGE, INC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
CMG Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Papillion, XXXX XXXX Every Customer, Every Time, No Exceptions, No Excuses. 

This is the email tagline for one of their Jr. Loan Officers XXXX XXXX . My wife and I are looking to build a new home and put our house on the market in early XXXX. Before listing, we received two offers and went with one that received a pre-approval from this institution. 

We signed our purchase agreement with the buyer on XX/XX/XXXX and XXXX XXXX had almost two months to ensure the buyer he Pre-Approved was ready to go. The HUD appraisal was done on XX/XX/XXXX and the termite inspection was done on XX/XX/XXXX. A day before closing ( XX/XX/XXXX ) the buyer and seller 's agents are notified that the buyer may not qualify. 

As a last resort, the buyer 's agent reached out to another lender that typically is a miracle worker for her. That lender said there was nothing she could do and, in her opinion, the buyer would never have received Pre-Approval at their institution. While I understand things come up in the process, it seems like XXXX XXXX did not do his due diligence and will not admit his error. 

My advice going forward for anyone looking to use CMG Financial that I know in Nebraska : If you are given approval by this lender, follow up and ensure they are actually doing their jobs. Babysit them during the process so unlike the Pre-Approved buyer we had, you are not giving up your home expecting to move and left homeless the day of closing. 

As for my wife and I, we put our home back on the market before our contingent sale deadline and loss of our deposit. We paid for rent and mortgage since we moved out of our house on XX/XX/XXXX. XXXX XXXX dodged the phone calls of our realtor after XX/XX/XXXX. I really feel bad for the buyer as he canceled his lease for the day before signing and anticipated moving into the house that next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own three properties ( escrow account set up for all three ) that are serviced by XXXX XXXX XXXXXXXX, for XXXX XXXX ( lender ) : XXXX XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

One out of the three properties was transferred ( including the escrow account ) to SPS Select Portfolio Servicing in XXXX : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

In XX/XX/XXXX when the property taxes were due to XXXX XXXX, XXXX, NC ; SPS Select Portfolio Servicing paid out the property taxes for all THREE properties ( in the amounts of {$3400.00} and {$3300.00} and {$3200.00} ) although they are only servicing one property ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX )! So, the escrow account of the one property that they are servicing for me went up XXXX to cover for the taxes that were erroneously paid out for the other two properties ( {$3300.00} and {$3200.00} ). This resulted in my monthly payment going up by {$800.00} ( about 30 % more than what I am supposed to pay ). 

This problem has been lingering for almost 6 months now. I have had countless calls with SPS Select Portfolio Servicing, and they keep telling me that they are working on resolving this issue. In the meantime, XXXX XXXX XXXX department, XXXX, NC has reimbursed SPS Select Portfolio Servicing the erroneous tax overpayments ( {$3300.00} and {$3200.00} ). I have called SPS Select Portfolio Servicing several times for them to adjust the escrow account of that one property they're servicing for me, with monies that was sent back by XXXX XXXX XXXX department, XXXX, NC. However, they keep extending the resolution date by 30 days claiming they are working on resolving the issue. 

I have already sent them documentation of each property, and each has a different parcel number, a different street address, and also provided them evidence that the property taxes of two of the properties ( {$3300.00} and {$3200.00} ) have been paid by the rightful servicer : XXXXXXXX XXXX XXXXXXXX, for XXXX XXXX ( lender ). They don't seem to be able to resolve this issue and keep pushing out the date for resolution. The last letter I received from them was on XX/XX/XXXX and they are asking for another extension of 30 days to resolve the problem. 

I would like to file an official complaint for SPS Select Portfolio Servicing. Thank you for your consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my XXXX account, XXXX account, After pay account, XXXX account, XXXX XXXX account, XXXX XXXX account and credit card, Synchrony credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases. This is going to effect me from buying a home. This needs to be taken serious and when I call in to speak to your agents they are extremely rude and give me a hard time like Im lying I been with Synchorny for awhile now I dont deserve to be treated this way. This needs to be investigated and find out who do this. Thank you.

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 2023-05-23
Company: Fidelity National Information Services, Inc. (FNIS)
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 tried to open an account with my local credit union and was told that I'm in the chexsystems, I pulled my chexsystem  report and it shows that XXXX XXXX  if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a XXXX XXXX  in my area, the closest XXXX XXXX  near me is more than XXXX miles away, I need validation of the debt, I need the XXXX contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my chexsysttem report or I will file a suit.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-08
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 2023-07-05
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I obtained the loan for {$470.00} from affirm.com to pay in 4 installaments for the purchase of XXXX XXXX XXXX from XXXX XXXX XXXX Order # XXXX on XX/XX/XXXX. 
I emailed to the merchant when my purchased sunglsses would be shipped since no information was provided in the order or on the website on XX/XX/XXXX. 

Merchant responded that it would be in 7 to 12 working days, and it was on the website.

Since it was an obvious lie I emailed back on XX/XX/XXXX after receiving this reply either to cancel that order and refund money or provide me with the exact day my order would be shipped. 

Somebody presented as XXXX replied that would forward my request to some administration area if my " order '' was not processed - while it is still in " Processing '' status as per attached screenshot on XX/XX/XXXX. 
I replied back to provide me that my order was canceled, and did not received a reply. 

Since it became obvious that it was a scam I contacted affirm.com on XXXX for the loan ID : XXXX used for this purchase, XXXX from Customer Service XXXX I explained her the issue, and also that according to XXXX XXXX XXXX the XXXX XXXX out of XXXX with 770 reviews that it is a scam site stealing money. 
I also told her that can provide email thread communication with that " merchant ''. 
She told me that understand the issue, created dispute case # XXXX, that all 3 future installments will be put on hold during investigation, and she escalated this to the senior team. 

On XXXX I received email fomr affirm.com that the next installment will be posted to my XXXX XXXX on XX/XX/XXXX. 
Right after I called affirm.com Customer Service ( XXXX ) XXXX and talked to XXXX. 
She told me that there is no case number yet, and all XXXX installements of {$110.00} each would be withdrawn from my XXXX XXXX. 
To conclude, affirm.com was sided with the cheater to get its cut and not the victim of this online scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 of 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