BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
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: Problem with personal statement of dispute

Complaint:
This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

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 2023-02-03
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX rescission of signature was recorded to public record in XXXX XXXX Arizona, XXXX # XXXX rescinding signatures on a Deed of Trust recorded XX/XX/XXXX XXXX # XXXX in XXXX XXXX, Arizona and removing the listed trustee 's, appointees, and beneficiary per Truth In Lending Act ( TILA ) 15 USC *1601 et.seq, and 12 CFR Part 226. 

Under this rescission the lender was required to cancel any security interest in the borrower 's property within 20 days. The lender acquiesced through non-response, affidavit of non-response recorded in XXXX XXXX, Arizona registry # XXXX. 

As of today, XX/XX/XXXXXXXX XXXX the lender, LOANDEPOT.COM, LLC has refused to respond or release any securities and is also pursuing foreclosure on the property in direct violation of the above. The required 20 days have passed and the lender has not complied with the rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Exeter Finance Corp.
State: WI
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 have disputed the account balance with the credit bureaus. Exeter refuses to update the correct balance. My Exeter account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX ) for which I pay on every two weeks and payments are submitted to Exeter. My current balance is {$6500.00}. Exeter continues to report the credit bureaus that my current balance is {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect on a debt that is more than 10 years old. The original debt was from XXXX, I haven't had an account with them in years. The companies name is Source Receivables Management XXXX XXXX XXXX XXXX North Carolina XXXX XXXX. They put this account on my credit stating an open account XX/XX/2018 with a balance of {$580.00}. I got this information from off my credit report. I need to know the original charge off date and amount from XXXX and account number. I believe they no longer have this information because its too old. I believe this is a company that tries to collect on old debt than 7 years old which is illegal. I called the phone number listed for this company its not a good number. I found another number for them tired to call they were closed XXXX. I want this removed from my credit report and these people fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
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:
Wells fargo mishandled a dispute I had with a charge on my account. Spent many hours on the phone and many emails were sent. At one point the manager of the fraud department offered to give me $XXXX FREE money to cancel the dispute. I declined this offer and further sent more documentation. They then cancelled my account in the middle of the dispute and then reopened an account that I had NO record of with a completely different account number.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: NV
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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : 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 FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-04-19
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have made several attempts/ requests with BSI servicing company regarding a pay-off quote. They never replied and i am scheduled to close on the sale of XX/XX/2023. 

The last mortgage statement sent had a balance of {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Sezzle Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sezzle offers a Mastercard virtual credit card service issued by XXXX XXXX for purchase on various merchant websites. On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX from XXXX in the amount of {$310.00}. This merchandise was shipped by the merchant on XX/XX/XXXX via XXXX tracking # XXXX. The last activity for this package was on XX/XX/XXXX and has no activity since that date. A lost package case was opened with XXXX and multiple attempts to contact XXXX remain unanswered. Sezzle offers a dispute resolution service that I have attempted to utilize through their dashboard. I submitted an initial request on XX/XX/XXXX that remained unanswered and a subsequent request on XX/XX/XXXX which was answered on XX/XX/XXXX. Despite requesting that the transaction be disputed due to non-receipt, Sezzle informed me the issue was between the merchant and/or shipping service. This is contrary to the " dispute resolution '' processes stated on their site and they refuse to take action with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I received a letter from Dynamic Recovery Solutions, regarding a supposed debt from XXXX XXXX XXXX XXXX, which was sent originally to XXXX XXXX XXXX, XXXX, and there was never any sort of contact received about this alleged debt. When I called, the person at DRS refused to give me the information of a contact person at the supposed original Creditor, in order to dispute the validity of this claim. I am sending a cease contact letter to DRS but wanted to report unfair  debt reporting and contact- as the original debt is allegedly from XXXX more than 9 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE 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:
Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my XXXX XXXX checking account! I immediately went to my XXXX XXXX branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with XXXX XXXX. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all 3 credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that WF is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? WF is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.

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 2019-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
CFPB Experian responded to the dispute on there web page as up dated but there was no date showing an investigation. Experian has been sent 3 times the document from XXXX XXXX to remove this account from trade line and they refuse I request that an investigation in to the dispute by you it seems they refuse to delete this account enclosed is there up date and you will see what im talking about. both XXXX stated they do not own account therefore can not report on it, XXXX XXXX states remove account. experian please explain your action to CFPB and remove 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 2023-08-23
Company: EQUIFAX, INC.
State: CA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX XXXX XXXX XXXX and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
incorrect amount, incorrect high balance incorrect last activity incorrect last payment date

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 2022-10-13
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I signed, before a notary, a Partial Claim Mortgage agreement for my Loan, with Homepoint Financial which was my current mortgage servicer at that time. On or about XX/XX/XXXX the loan was transferred/sold to XXXX XXXX XXXX I was told by Homepoint that moving forward I would be paying my mortgage obligation to XXXX XXXX as they are the new mortgage servicer. When I went to pay I was told by XXXX  that I owed the total of the forbearance amount plus the XXXX payment. Looking into it, I was informed that all the original docs were not forwarded to XXXX XXXX by Homepoint and they were refusing my payment. Unable to resolve the issue, and after many attempts, I reached out to CFPB ( Complaint # XXXX ) for help. On XX/XX/XXXX XXXX XXXX responded to the complaint and stated that " ... After a review, we were able to get a copy of the executed loan modification documents from Homepoint and have applied the modification to your loan. '' After, they accepted and apply my mortgage payments accordingly, however, I am still being forced to sign a new agreement with XXXX XXXX. The problem was not resolved as answered to the CFPB, and they want me to sign again a second agreement with no proof that I wouldn't be held responsible for the first one. Every month I receive these documents to sign. When I speak with loss mitigation I'm told that, in fact, they did not receive that documents from Homepoint and they are holding me responsible again. Homepoint and XXXX XXXX  need to resolve this issue between themselves. I have no power here I do not possess the originals as they were sent to Homepoint Financial and acknowledged received by Homepoint Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXXhas a collection on my credit that was opened in XXXX  and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has reported a {$280.00} debt on my Transunion credit report. I havent done any business with this company. I dont know who this company is. 
Please delete this off of my credit report 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 explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: GA
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: IL
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:
Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account XXXX XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I noticed on my credit report an account on my report that was not mine I called the company in question that day and reported it to them the took it from there I also contacted XXXX XXXX and reported it as fraud as well and put a flag on my credit for future fraud attempts the amount is for {$11000.00} according to my credit report and the company is Jpmcb and I do not have any knowledge of this account its a fraudulent account and this account according to my report says this was closed on XX/XX/XXXX and that it was opened in XXXX of XXXX and it says it has XXXX XXXX and never had a XXXX  I dont understand any of it these are things on my report that dont make any sense the fact that it just suddenly appears on my report is unexplainable and very disturbing to me ... Jpmcb removed the account from my report back in XX/XX/XXXX and then just today XX/XX/XXXX sent me a letter dated XX/XX/XXXX which is extremely late and it says they found that it was my account and theyre going to send it to the credit bureaus I just dont understand the angle or game here this company has played enough games with me to last a lifetime I dont want any contact with them as I already feel threatened and harassed by them they show up one day and now this and I dont even know who they are

Company response to consumer: Closed with explanation