BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-10-12
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Ive been requesting a payoff to sell my house for months. They have had many delays or dont answer the phone. Ive reach out to XXXX loan management services, to acquire a payoff. They wouldnt provide the necessary information then eventually they hired lawyers to foreclose my house. I called daily to obtain a payoff to sell until I lost a sale trying to sell owner to owner. I then hired a realtor to help sell the house. I repeatedly requested a payoff quote from rushmore and their lawyers until rushmore loan services transferred my loan to rushmor services. I acquired another buyer and had a closing date. However Ive had to postpone sale twice due to XXXX not providing payoff quote. XXXX on the verge of loosing another buyer and less than a month away from my house being foreclosed. I would have already sold my house before the foreclosure process if I had the payoff quote. Currently I still cant sell my house because they still dont provide the pay off, which will be more expensive due to lawyer fees because of their delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of identity theft. I have a police report. I have been dealing with this for years now. I am homeless because of this information. Someone acquired my information during the pandemic due to the XXXX data breech. They opened accounts in my name, used my social security number, opened bank accounts, lived in apartments. I was working as a XXXX  during covid. Then I caught XXXX  due to XXXX XXXX and nearly died. I had a long rehab period. I have long XXXX. I cant get the tenant screenings through TransUnion and XXXX to fix the eviction information even though a police report states it is inaccurate. They will not fix my credit reports. The investigation consists of them asking these companies and they declare it accurate and that is the end of it. The companies who gave credit to the theives dont have to prove anything. It is ridiculous that as a 30 year XXXX XXXX I am homeless. Now I lost my job due to being homeless. 

My application tracking number is 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 explanation
Consumer complaint received 2023-03-06
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I was sent an email and a prepaid card in the mail unsolicited. I have tried to unsubscribe from emails, requested my account be deleted, all personal information erased, yet I still get daily emails. Never email me here again : 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 explanation
Consumer complaint received 2022-04-08
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a call from the Tax Collectors office regarding the past due property taxes for tax year XXXX, after visiting the local clerks office trying to schedule a property inspection for XX/XX/XXXX in order to obtain a rental permit. 

The countXXXX TAX office advised that they could not move forward with scheduling my inspection, until property taxes were paid. 

Called the Mortgage Company ( Homepoint ) same day XX/XX/XXXX, inquiring why the taxes had not been paid since they were included in my escrow. 

The agent whom I spoke with proceeded to tell my taxes had been paid to XXXX XXXX, in the meantime my property is in NJ XXXX XXXX. 

As if this alone was not a problem the issue was further compounded by the fact that the mortgage company raised my original monthly payment from {$2100.00} to {$4800.00}, based on the fact that the taxes on the property were wroughtly XXXX per year. 

In the meantime not only did they pay the wrong town they also have wrong information about the yearly tax, the property in question based on the Tax office and the most recent Tax bill pays {$5700.00} in yearly taxes. 

Homepoint has been contacted on several occasions, I have spoken to several agents, gotten bits and pieces, been promissed of a call back with a resolution yet here we are almost 2 weeks to the day and there is no solution. 

Agents codes whom I spoken with are : XXXX, XXXX, XXXX XXXX  and XXXX. 

There is also a person by the name of XXXX who I have yet to speak with that was to call me back with a resolution. 

If you would like to discuss this complaint further please call me at XXXX, I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Scheer, Green & Burke L.P.A.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved a letter from Scheer, Green, & Burke in XXXX, Ohio regarding a debt owed to XXXX XXXX XXXXXXXX XXXX for {$180.00}. This is impossible as I have not lived in XXXX XXXX for XXXX  years. I believe this to be a false claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother passed away on XXXX XXXX. We weren't aware that my mother was in trouble with the mortgage company until we received a notice that the property was going to be auctioned on XX/XX/23. My mother was very ill and was not communicating with us the hardship she was facing with the mortgage due to her illness. We collectively as a family decided we wanted to sell the land through a short sale that mortgage was being held against. We since listed the property have been going through the short sale process. An appraisal was completed and when the appraisal was reviewed by the negotiator they found that they appraised the wrong block and lot. On XX/XX/23 an email was sent to them letting them know that they did an appraisal on the wrong lot. We provided them proof of this ( RECORED MORTGAGE, DEED, XXXX XXXX XXXX XXXX  ) and requested that the auction be postponed to allow time for them to make the necessary corrections due to their own error giving a reverse mortgage on a vacant lot and for them complete an appraisal on the correct block and lot. As of today, they have not postponed the auction and they have yet to let us know the status of them postponing the auction and continuing with the short sale as long as a new appraisal is completed on the correct lot. We are trying to resolve this issue as we don't want the last thing our mother had to be lost to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX Experian These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692

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 2023-03-08
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was taken over by New Rez in XXXX and since then my interests has been some years going up others going down. I have a fixed rate mortgage until XXXX so to my knowledge the amount going to interest should reduce each year and the amount going to principal should increase. I shall list my issues I contacted New Rez by phone, email and mail back in XXXX and now I am doing the same in XXXX. I will make a graph showing what I think are discrepancies. 

Interest charged XXXX XXXX {$1800.00} New Rez XXXX Total {$7500.00} XXXX New Rez XXXX {$440.00} more than XXXX XXXX New Rez XXXX {$1300.00} less than XXXX XXXX New Rez XXXX {$1000.00} more than XXXX I do not understand why my interest would increase one year decrease the next. I obtained this information from the tax form New Rez sends out each year. I thank you in advance for your 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 2020-03-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Im being charged and sent to a collection agency for the amount of {$390.00} due to some transactions that posted on the account but it was from previous days. These transactions were not approved and I closed the bank account previous to this. On the other hand, I received a letter from BB & T stating that the transactions returned due to no funds/account closed and no overdraft fee was charged??? Please explain to me why I was sent to a collection agency.

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 2017-12-05
Company: Experian Information Solutions Inc.
State: LA
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 try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-08
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harvest Associates INC. has reported an alleged debt of {$950.00} to the credit bureaus but never sent me anything validating the suspected debt or any form of verification in the mail. I sent them a request which was delivered and signed for on XX/XX/2023, at XXXX XXXX  via certified mail with a return receipt ( attached ) asking for validation but Harvest Associates INC failed to respond within the 30-day timeframe allotted to them. I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to validate and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ) they must validate the alleged debt if requested. They have failed to respond to my request to validate and/or verify the alleged debt within 30 days. They also failed at notifying me before claiming it on my credit report. Due to their failure to respond and unfair practices, I am expecting immediate removal of the alleged debt from all credit reporting agencies, ( XXXX, XXXX, XXXX ) and that the alleged debt in its entirety along with any assumed fees is promptly deleted from their files and all public files due to their failure to validate it within 30 days of my request. I consider this matter closed and the alleged debt to be void. Please Note : This information does not mean I agree to the alleged debt being claimed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello My name is XXXX XXXX. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX. Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2023-02-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I have reached out many times to Comenity Bank XXXX. They are really hard to get a hold of on the phone and when you send a private message in your mailbox they reply with a generic message and never get back to you to solve your problem. I discussed with a representative on a recorded line and even after two different times. I agreed to pay off my card balance in return for them to remove me from 30 days late. Again now they are reporting me 60 days late with is so inaccurate as I was never 60 days late if you see the payment date and the month they reported me 60 days late. I was supposed to get this removed from my credit report from all three credit bureaus as promised by 3 different agents, and it's still showing up on my credit report. I am tired of going back and forth on this. Can someone please help me get this error fixed? I want this removed from all three credit Bureaus I lost XXXX points on my credit do to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Good afternoon ; I am filing a respectful complaint against both XXXX  and XXXX. I am a temporary worker whose company utilizes XXXX to administer payments. XXXX was utilized to receive this payment. XXXX indicated that the payment was returned back to XXXX. I had contacted XXXX and provided another direct deposit. XXXX is stubbornly not listening as I am respectfully indicating that XXXX  rejected its payment. As a result, i am filing a respectful complaint that I am entitled to a compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$290.00} from southwest credit on XX/XX/2019. This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: AR
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 trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.

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 2023-08-14
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XX/XX/2022 through the XXXX of 2022. There were some fraudulent deposits into my bank account which was linked to my cash app account. They deposited fraudulent checks then withdrew the money right away and then did some transactions in my cash app also trying to and they did a purchase through bitcoin. I spoke with Cash App to try and resolve this and get my money back and they denied me. It was in a total of about {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had charges on my bank debit card starting on XX/XX/2019 for a 5 day hotel stay that turned into a nightmare and fraud. I stayed only one night and have trying for months to get ahold of US bank to get the charges removed. They removed them initially then out them back on because my paperwork wasn't received in time. I have been contacting them for at least 2 months to resend the paperwork. Someone finally called me saying there is nothing they can do .unbelievable for a public bank. I even go into the public branches and they seem clueless how to help me get the form. In my opinion this is fraud. I get hung up on when I call their customer service or transferred to the wrong person.

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