BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: Home Point Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2020 ( XXXX email correspondence was XX/XX/XXXX ), in response to an advertisement/solicitation to refinance from our current mortgage provider ( Home Point Financial Corporation ), we initiated the refinancing process based on the savings estimated by the Sr Loan Originator ( about {$500.00} per month ). 

We provided all the necessary information as soon as requested over the course of days and weeks. 

We received notifications of approval but, to date, HPFC has either been unresponsive or has taken so long to respond to our pending refi, that the same ( but updated ) information is needed. NOTE : We are current mortgage customers of HPFC is good standing. 

I'm not sure where to turn. We've escalated to a supervisor ( XXXX XXXX ) and nothing has progressed. We follow up constantly with barely any response and no resolution. 

The HPFC representatives we've had contact with include : XXXX XXXX Senior Mortgage Loan Originator Homepoint NMLS : XXXX Branch NMLS : XXXX XXXX : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX Senior Processor Homepoint XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX - Processing Homepoint  XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, TX XXXX I am writing letters to executive management at HPFC to express our frustration. 

Please advise what else can be done to prevent this costly and sub-par level of service from continuing. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 Acordance with the Fair credit reporting ACT Account : DEPT OF EDUCATIONXXXX : # XXXX {$1300.00} DEPT OF EDUCATIONXXXX : # XXXX {$1600.00} DEPT OF EDUCATION/XXXX : # XXXX {$3600.00} DEPT OF EDUCATIONXXXX : # XXXX {$5500.00} XXXX XXXX XXXX : # XXXX {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: UT
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:
All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX   XXXX XXXX Experian - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX,, Not reported XXXX, XXXX XXXX   XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX Contacted them they were unable to verify the debt, they said reach out to Experian to have them delete the item from my credit.

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 2018-02-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As of last XX/XX/XXXX-XX/XX/XXXX, I have been trying to dispute several account showing under my name and Credit Bureau keeps reporting, XXXX XXXX  {$250.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX Paid in full/Satisfied Experian reporting negatively XXXX XXXX XXXX {$1000.00} XXXX   XXXX- PAID as of XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Did not recognize or authorize this credit inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Block, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2023 I made a reservation for photos however found my cash app payment failed. I followed the app and found they said my account was closed which confused and scared me. 
I contacted cash app right away. The representative read a script that said he couldnt me essentially and someone would email me back. I gave the details to the representative and didnt hear back via email. The representative said he would forward the inquiry and gave some hope that my cash app would be restored verbally. 
Since the closure of my cash app was so confusing and I had thousands in my cash app I was worried and transferred it to my bank to arrive on Tuesday. However left XXXX in the account because I figured I could transfer it to my spouses cash app so we may have cash on hand if needed. 

Saturday XX/XX/XXXX, I open my cash app and checked my email to see if anyone reached me back from cash app, I also checked several times Friday after my inquiry. There was no response but I found my cash account said {$0.00} and I looked in the app and seen my funds were sent to my bank. I was alarmed to see all my families money being moved and scared and confused trying to understand the transfers and where the money was I looked at the Tuesday transfer and pressed the only live butt on on that transfer and it charged me for the funds to be transferred more than I wanted to pay. 

Im upset no ones reached back to me or told me what terms I violated for This closure and I attempted to call again and its the same response, a scripted i cant help you and someone will email you. 

Please help and make Cash app responsible and accountable for this confusion and ask them to explain further

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2020-01-24
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is regarding a collection account in the amount of {$95.00} held by Online Information Services XXXX Inc. of XXXX, NC. 
I was never contacted by this company regarding this account. I was made aware of this collections account after a routine review of my credit report. 
I initiated contact with the company by telephone on XX/XX/XXXX in order to gain further information regarding the account. I was unable to gain the necessary information to validate the debt through the phone communication. I verified all of my contact information with the collection company and asked why I had not been contacted regarding this debt prior to it being reported to the credit bureaus. The representative stated that attempts had been made to contact me. I disputed this claim. I stated that due to the nature of my business, my credit standing is of the upmost importance. I explained that my all 3 of my credit scores are in excess of XXXX, and that I have not missed a single payment in over 30 years. I pay my bills. 
At this point, this was the only communication I had regarding this debt from this company or the utility company from which the debt was acquired. 
On XX/XX/XXXX, I sent a request for validation of debt letter to the company via certified mail. Records show that this request was received by the company on XX/XX/XXXX. 
As of this date, XXXX, XXXX, XXXX, I have still received no communication from Online Information Services XXXX XXXX regarding this account. 
Due to the mishandling of this account by Online Information Services , Inc. and the failure to comply with the FDCPA I am requesting that all references to this account be deleted from the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-02-23
Company: ALLIANT CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Alliant requested an updated copy of my insurance. I provided this to them via the method of their choosing and uploaded it online. It said the next day additional information was needed and a phone call was required with their third party service. I did that and was told that everything was fine and good to go. These events are documented. A few weeks later I get a letter in the mail stating that I do not have insurance on my car and that they have force placed insurance on me in the amount of {$4800.00} that will be added to my car payment. 
Aside for providing insurance in the method of their choosing. I additionally demanded an email address that I can send a copy of to. They provided XXXX and I sent a copy there as well. In addition to this I had my insurance broker XXXX XXXX reach out to help resolve this issue. Alliant will not correct this issue. They will not put in writing that my due diligence has been fulfilled. At no point in time in my entire life has any of my autos ever had a lapse of XXXX second in coverage. They will not return my multiple email requests for WRITTEN confirmation. Alliant is XXXX breaking the law with their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: AZ
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 have reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.

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 2020-06-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 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 Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have tried contacting since XX/XX/2018 and on alsoXX/XX/2018 Ally to help lower my payments because of a passing in my family.

They never allowed me to lower my payments.

Then It got to the point where they repossessed the car on XX/XX/XXXX which is a XXXX XXXX XXXX. I had been making my payments on time until a few months ago.

After they repossessed my vehicle I called 3 times again and kept getting transferred.

After I finally spoke to XXXX a customer service agent of the company i told I wanted to know how much of all of my payments were going to the surety bond for this loan. I got transferred over 3 times and no one would give me an answer.

I know that all loans include a Surety Bond and I am aware that she inform the customer upon request.

I know that The surety bond has enough to cover the remaining balance of the loan

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 2023-11-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy. 

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act VXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy. 

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
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:
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 has violated my rights. Or a list of inquiries : 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