BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our VA loan was bought out by LoanCare. On XXXX XX/XX/2023, we had a hail storm that damaged our roof. XXXX came out and checked our roof and verified that it needed to be replaced. XXXX cut a check to pay for our roof, which had to be endorsed by the LoanCare. The check was sent to LoanCare and deposited in there account. We submitted all the required paperwork : invoice, insurance adjustor paperwork, W-9, and release of lien. Every time we call them to check and ask when our check will be mailed to us. They ask for more information. They have had our check since XXXX XX/XX/2023 and they still have not sent us our insurance money to fix our roof. All required documentation has been submitted. 

Respectfully, 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 2023-04-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Tried to make a refund complaint with XXXX. XXXX XXXX- accessed a phishing site by accident. The site asked me to enter a XXXX account to facilitate the refund due. The fraudsters asked me to enter their name to a XXXX account -in order to faciliate the refund from XXXX . they immediately withdrew money from my accounts. WHILE this was happening I got my bank online and in real time they were able to see and act on the account - they DID NOT. After the event - I requested a refund for fraud... They bank denied my request and I am out {$4000.00}

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 explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 2020-04-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
With the impact of not being able to report for work as a result of COVID-19, I sought a forbearance plan with my lender. They agreed to a waiver of mortgage payments for up to 90 days but, in a letter to me, it states that they will report me to the credit reporting agencies as being " delinquent ''. Is that legal since I have a government backed loan ( VA )? It seems to me that this practice of giving me forbearance forces me to struggle to make payments when I'm forced to stay home or, accept the plan offered but risk lowering my XXXX score! What the XXXX kind of choice is that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX XXXX Card to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX XXXX has stated they do not correct any issues that are reported on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: MD
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 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  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 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 if 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 explanation
Consumer complaint received 2021-10-21
Company: Paramount GR Holdings, LLC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a complaint regarding a solar loan from Loan Pal, they have since changed their name to GoodLeap.

I have requested a statement regarding an outstanding balance of {$110.00}. 
I have made countless attempts to get them to explain why this amount appeared on my bill as outstanding when all of my records indicate I actually overpaid them by a couple of bucks to make sure my last payment of {$16.00} covered the last outstanding balance of {$10.00}. 
This company reported that I defaulted on my loan and sent it to collections. They are the only ones in my entire history claiming I didn't pay my bills. 
I made a {$50000.00} payment to pay down my loan and something is fishy. Perhaps they claimed I defaulted to hide the {$50000.00} ... I do not know but something is wrong and I am a victim. I was locked out of their website and refuse to try and find the information online. I have asked to be supplied with a statement detailing the so-called outstanding balance, they refuse. I need hard copies of all loan documents for my accountant and attorney. Why did they change their name, why do they refuse to provide monthly statements.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2021-10-21
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
The credit Bureau XXXX XXXX and LexisNexis has allowed companies that have already been disputed on my credit report and removed due to investigations that discovered these were fraudulent accounts to change the name of the company or sell the debt and be put back onto my credit score I have tried to dispute these charges and have explained and showed them debt the collectors just change the name or either so the deck in re issued the debt onto my credit report after it had already been disputed and removed. XXXX XXXX in LexisNexis have also allowed unauthorized inquiries after investigations also proved that due to certain circumstances I could not have randies inquiries on my name. XXXX XXXX XXXX and lexisnexis a ... .ve aliases and addresses that are unknown to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Waypoint Resource Group, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I cancelled my XXXX account and settled all debts and owed money with them. In XXXX of XXXX I was contacted by Waypoint Resource Group saying that I owed an amount of {$120.00} to them due to a debt they had purchased from XXXX. 

I never owed this money to XXXX or XXXX. My contract was terminated and paid in full in XXXX of XXXX. Waypoint Resource Group has fradulently affected my credit report with a debt they say they own, that was supposedly originating from more than 2 years prior. 

Now if I am to wait out this fake debt, I will have to wait 7 years for it to fall off. Seems strange that they get to make a report on my credit 2 years after, on a debt that I do not owe, that was mistakenly or fraudulently sold to them by XXXX. 

I will not pay this money to Waypoint Resource Group or XXXX, and after repeatedly attempting to contact both of these institutions and dispute this off my credit report, I am filing this complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Acct # XXXX US Department of Education - Acct # XXXXXXXX XXXX  - Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 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 if 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
Consumer complaint received 2023-01-04
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I tried two atm transactions for come the sun didnt dispense my money. I filled a dispute with the atm to no avail after a year of back and forth. I finally filled a dispute with chime and they denied me the provisional credit while they investigate for 45 days which us very unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I had made a {$300.00} payment towards my rent. Also I had a {$40.00} payment, a {$20.00} payment, a {$25.00} and another {$20.00} payment pending. On XX/XX/XXXX, I had a {$270.00} payment. But what happened, was that the withdrawals got shuffled around and a few small payments were rejected as well as fees incurred. In the meantime, I had {$300.00} deposited but I have had over {$200.00} in fees. 

My place of employ was shut down because of the health crisis and I have no idea when I will be able to go back to work. I simply do not have the income to be playing these games with my bank. Many places are waving fees to help with this crisis ( like my utilities which is nice because that was one of my rejected payments ) but apparently not this institution which appears to be using this global time of health and financial crisis to net a profit for themselves.

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 2022-10-10
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are 3 Accounts from the company Affirm that were turned over to collections. Two of the accounts were open the same day XX/XX/2021. The other was open XX/XX/2021. I recently applied a few times for a loan through my bank and got rejected for having 1 or more accounts in collections. I knew nothing about the accounts they were referring to, so a coworker told me to make an XXXX  account because i should be able to see it. That was when i saw the 3 accounts that are in collections. I called and reported it as Fraud to XXXX. I then called Affirm and did the same and reported it as fraudelent activity. I was told by affirm that the balances were used for a compaby called XXXX which I have never heard it was travel related with XXXX XXXX. I am a XXXX  of the united states XXXX XXXX. I never fly anywhere since i only lived 4 hours away from my hometown to see my family so i always drove. I havent had a vacation in over 2 years so no trips anywhere there either. The only reason i would fly would be be for a XXXX  or XXXX which would be goverment funded with our travel cards. The reason I am reaching out is because I believe this would help me with my fraudelent report and others. I have always made my payments on time if anyone were to look at my credit history and have never had an issue with anything going to collections. Im hoping this will help ke in my process so i can get my credit back on track since this is hanging over me and isnt something i would have let get this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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 in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.

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 2023-01-02
Company: South River Mortgage, LLC
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:
Tried contact to request them to stop repeated inquires that I am not aware of, companies with inquiries that has been on my report for 2 years are more. everytime I contact them It appears that to retaliate, it is pulled every XXXX days. South River Mortgage contacted me about a Reversed Mtg.loan. They asked me questions. I asked for a printed breakdown of cost. They wanted to send out a notary who would have me sign forms and give me a copy. 
I called the loan office that evening left a message that I was uncomfort. the next he called me and tried to convince me to move forward. The next day another XXXX called and said the loan officer was no longer there and he would take over. I explained I was uneasy and not comfortable. Make sure that anything that they had acquired was deleted or destroyed. The next to days up to Saturday morning early. They contact me. Then I started getting inquiries from XXXX mortgage. Now my credit score has gone from XXXX to XXXX. I need the inquiries to stop. If I am not seeking a loan how can them or others they are doing business pull my credit at will.

Company response to consumer: Closed with explanation