BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my XXXX and final attempt to supply court documentation to EXPERIAN regarding a recent lawsuit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The lawsuit was DISMISSED due to notice of XXXX : XXXX XXXX XXXX verb XXXX. XXXX. ( of a judge or court ) subject ( a plaintiff ) to the stoppage of their suit on the grounds of failure to make a legal case or bring sufficient evidence. noun XXXX. XXXX a court-ordered stoppage of a suit on the grounds that the plaintiff has failed to make a legal case or bring sufficient evidence. Proper COURT documents are being provided AGAIN ( see attached ), along with the definition of XXXX, which means the plaintiff ( XXXX XXXX XXXX ) FAILED to provide evidence that the debt is owed. Therefore, I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have enclosed a copy of my XXXX dispute with CFPB, which shows XXXX XXXX XXXX was deleted after the same documentation was provided. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.

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 2021-07-09
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I cant view my credit profile on any platforms and I need to view them to look at my report. Im a victim of id theft and need to view its its been 4 months and I need to see my Transunion and XXXX 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 2021-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied, and was approved for an installment loan with Pentagon FCU. I have been paying down on the note for probably more than a year now. In XXXX of 2021, my employer announced potential future layoffs as the result of a bank merger. I work for a bank. I contacted Pentagon FCU and attempted to enroll the installment loan in their debt protection program. Due to a glitch in their online system, however, I was unable to retrieve the documents that I needed to sign. Rather than address the glitch, Pentagon told me that in order to properly add on the protection, they would need to " rebuild '' the loan. I went with it as I really wanted the protection. About a month later, I checked the loan details online. They raised the rate from the initial 8.49 % fixed to 12.99 %. When I contacted the company, they acknowledged the error and changed the rate back to match the terms of the original loan agreement. 
Since then, I have received a total of three requests to sign an official promissory note for their records. The issue with the promissory note is that it contains invalid information - the rate is 12.99 % rather than the original rate. And the monthly payment is therefore also incorrect. When I contacted them ( several times ) to dispute this, their resolution was to send an addendum letter, signed by a loan operations representative along with yet another promissory note for ME to sign containing the same invalid rate, payment and other calculated terms. XX/XX/XXXX, I contacted Penfed again and was told that they requested a corrected promissory note for me to sign but the request was " denied ''. I was also told that if I did not sign the invalid promissory note that they have continued to send me, they would probably raise the interest rate on the loan. 

I refuse to sign a legal document that is not correct and I hope someone at this agency will agree with me. Please address this issue with Pentagon Federal Credit Union. If the promissory note is something that they can not reproduce from the system, I would suggest that they create one manually with the correct information on it and I would be happy to sign it. Something is very wrong with this institution. I have been in banking 20 years and have never seen anything like this.

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 2021-07-09
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our VA loan with Quicken Mortgage XXXX XX/XX/XXXX. XXXX XX/XX/XXXX we received an Escrow Analysis Statement the stated we short {$4400.00} on our Escrow account. This to be made up in extra payments of {$360.00} for 12 months ( or paid in full immediately ). This increase is against a mortgage payment of {$1600.00} monthly. Not quite a 25 % increase. 

I called an talked to a XXXX on XXXX XX/XX/XXXX. His response was not their fault it was RESPA. So I sent an email to Quicken Loans Customer Service on XXXX XXXX. They responded that day that someone would look at it and get back to me within 1-2 business days. 

Today, XXXX XXXX, I received an email from Quicken Customer service asking how my dealings with a Ms. XXXX were. I responded no idea because I hadn't been contacted my her. 

Shortly after I received an email from Ms. XXXX that also contained an email supposedly sent to me on XXXX XXXX that I never saw. 

Her response was yes they made a mistake on figuring our escrow account.. No apology or anything else. When I responded she said maybe they could change the shortage payments to over 24 months. 

That isn't the point. The point is this was a refinance on a house we bought in XXXX and there have been multiple tax and house insurance payments made. They knew what our previous tax and insurance payments were, they were given copies. Our escrow portion of our monthly payment was pretty much identical to our previous loan so I didn't think anything about that. And when our monthly escrow went up about {$30.00} to cover the increases in those, fine. But I find it almost criminal that less than 6 months after getting our loan we have to pay an extra {$4400.00} over 12 months because somebody on their staff made a mistake. Nothing has been said about what is being done to them, and we know this isn't hurting

Quicken. And the only apology was for the inconvenience. If they had done their jobs correctly, we wouldn't be inconvenienced by having to pay an extra {$4400.00} six months after the loan was closed.
This money should have been covered during closing and yes we would have paid it. But we relied on them to tell us what needed to be taken care of then, and they failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, On XX/XX/XXXX an electronic payment was made to Nationstar Mortgage ( aka Mr. Cooper ) from XXXX XXXX via Bill Payer. This payment was accidently made to a paid off mortgage ( loan number XXXX ) via a Bill Payer app. The loan was fully paid off in XXXX of 2020 however the electronic payment method was still available in my banking Bill Payer app which is how the mistake was made. 

Since that errant payment was made to Mr. Cooper several attempts have been made to return the funds back to my XXXX checking account working with the Research Department at Mr. Cooper. The first case with Mr. Cooper was opened on XX/XX/XXXX ( case # XXXX ). In working with Mr. Cooper I was asked to provide proof of payment and a 30 day transaction log with XXXX letterhead from my checking account. All of this was provided to Mr. Cooper promptly. In addition a case was opened with XXXX ( via Bill Payer ) to verify the payment was successfully transferred from XXXX account via Bill Payer ( Bill Payer Case number is XXXX ). During a 3-way call with Mr. Cooper and Bill Payer, the proof of the transaction including transaction numbers and partial account number which matched my account was provided to Mr. Cooper. Yet, Mr. Cooper stated they have no record of the transaction even though proof of a successful transaction was provided. In fact, proof of the successful transaction was provided about 4 times on multiple calls. At this time there is still no resolution to return the funds ( {$1700.00} ) to my account. 

Representatives I worked with at Mr. Cooper were : XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX In summary there is no resolution. Mr. Cooper has not provided any proof that the payment was returned back into my account only that they said they did not receive it. However the {$1700.00} was deducted from my account and proof that the transaction as stated earlier was successfully received. 

Please assist with getting this resolved as it is a very impactful amount of money to our family. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account on Equifax Credit Report Dear Equifax Information Services, I hope this letter finds you well. I am writing to formally dispute inaccurate account information that is currently appearing on my Equifax credit report. It is of utmost importance to maintain accurate and fair credit reporting, and I kindly request your assistance in addressing this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Account Status : Charge Off Date of Inaccuracy : XX/XX/2023 Account Information : Creditor Name : First Progress Account Number : XXXX Account Status : Charge Off Date of Inaccuracy : XX/XX/2023 Upon reviewing my Equifax credit report, I have identified discrepancies in the account information provided above. Specifically, the reported account status is inaccurately listed as [ Incorrect Status ]. This misinformation is adversely impacting my creditworthiness and overall financial standing. 

I take my financial obligations seriously and understand the significance of accurate credit reporting. I am committed to addressing any legitimate financial responsibilities I may have, but it is equally crucial to ensure that my credit report reflects correct and up-to-date information. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough investigation into the validity of the account information in question. I kindly ask that you conduct a comprehensive review of the accuracy of this account with the respective creditor, [ XXXX XXXX ]. Should it be determined that the information is indeed inaccurate, I respectfully request the immediate correction or removal of the account from my Equifax credit report. 

Enclosed with this letter are copies of supporting documents that illustrate the inaccuracies present in the reported account information. These documents include statements from the creditor, payment records, or any relevant communication that substantiates my claim. 

I am aware that the FCRA mandates credit reporting agencies to conduct prompt investigations and provide written responses to disputes. I kindly request that you keep me informed about the progress of this investigation and provide written confirmation of the actions taken to rectify this matter. 

I appreciate your dedication to accurate credit reporting and thank you for your attention to this issue. Please feel free to contact me at XXXX or XXXX if you require any additional information or if there are further steps I need to take to facilitate this process. 

Thank you for your assistance in promptly addressing this matter and ensuring the accuracy of my Equifax credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXWhat telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, Transunion, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score

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 2023-08-11
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:
On XX/XX/23, I opened a complaint against Equifax for not allowing me to manage my credit freeze online. On XX/XX/23, Equifax closed the case without resolving my issue. As of now, I am still unable to freeze or unfreeze my credit file as needed. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Quality Loan Service Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My wife is the sole owner of her property. I am not on the deed to the home. XXXX bank is the mortgage holder. XXXX XXXX ( XXXX, Operations XXXX, Loss Claims ) from XXXX bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and XXXX does not care. My name should not be on the " Notice of Default ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
DISCOVER CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Im XXXX of XXXX  I was selling a piano on XXXX XXXX. Someone messaged me interested and wanted to pay through XXXX. The transaction went through and I later learned/realized it was a scam. I immediately called XXXX with no help and I called JP Morgan Chase to have them all help. They put the claim through but because it was a scam they could not help me get back my money. Because I fell for the scam I lost out on {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
GRANTED FORBARENCE FOR 6 MOS.DENIED REINSTATEMENT AFTER RECIEVING REQUESTED RECORDED TITLE, THIS THREW ME INTO A CASH PAY OFF WELLS FARGO REQUESTED, WELLS FARGO REFUESED TO PUT PMTS.OF 6 MO. ON BACK END, OR OFFER ANY PMT. PLAN.

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