BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to close out my loan pay in full can't get no answers from no one XXXX sold loan to sps stating XXXX was investor XXXX false sps states they are investors false XXXX  say XXXX XXXX last investors false go back sps csr say we don't buy loans we not bank we service loan only I say you didn't get memo check my record they say oh I guess you right I don't understand because it all deception still coming from XXXX I signed XXXX XX/XX/XXXX MY ANNIVERSARY WAS XXXX XXXX XXXX FROM DATE OF XXXX  NOT HAMP MOD DATE THE INCENTIVES WERE BASED ON XXXX  AGREEMENT XXXX SHOULD HAVE REACH OUT XXXX  AND CONFIRMED MY ELIGIBLE AND GAVE ME DOCS TO SIGN INSTEAD THEY BREECHED AND I BEEN FIGHT 2YR FIND OUT IF MY NUMBER WERE OUT HAMP REQUIREMENTS 22 % NEVER SHOULD HAVE OFFERED ME HAMP OF DECEPTION NOW I WANT OUT SO I CAN GET SUE XXXX GET MY OVERPAY BACK I PAID INTEREST FOR 27YRS ON 30YR FIXED LOAN AND I HAVE SECOND LIEN RECOREDED THAT DONT EXIST I HAVE TO PAY FIRST THEN WHEN I GET MY TITLE I GONE PROVE HOW XXXX USED A LOST NOTE AFFIDAVIT SIGNED BY HIGH SCHOOL STUDENT ALONG WITH OTHER TACTICS TO STEAL MY HOME OF 32YRS NO DEFAULT XXXX ONLY HAVE LETTER XXXX SAY UNDERSTATED DEFAULT XXXX WAS XX/XX/XXXX TOLD TO PAY ONLY XXXX  BY XX/XX/XXXX YOU ARE ISSUING A 1486 DEFAULT YOU MADE UP SO I QUALIFY FOR HAMP THEN XX/XX/XXXX YOU CLAIM I OWE 999 AND 458 ADVANCE CORP FEE FIRST THING YOU TOOK WHEN MOD BECAME PERMANENT SO I WILL PAY ALL IF YOU INSIST BUT YOU WONT GET AWAY WITH THE DECEIPT I TRY GET YOU WORK WITH ME BUT DID NOT WORK OKAY FOR XXXX TO FABRICATE AMOUNT OWED BUT I GUILTY FOR THE SIGN SO MUCH FOR THE WHITE COLLAR CRIME EVERYTIME I PROVE WHAT XXXX DID I GET NO COMMENT YOU SIGN YOU ACCEPT SO I WANT PAYOFF MINUS MY PROMISED INCENTIVES WOULD LIKE OVERPAYMENT REFUND BECAUSE IF YOU NEVER REFINANCE AT ONE POINT THE PRINCIPAL PREVAIL INTEREST PAYMENT GREEDY INVESTORS HAVE NO RIGHT KEEP LOWERING P AND I IN ORDER TO KEEP GET INTEREST ENOUGH IS ENOUGH I SIGN FOR 30YR EXT RECIEVED NO INCENTIVE XXXX $ PAY CUT I WANT PAYOFF SO I CAN GET JUSTICE FOR OTHER SENIOR GETTING HOUSE STOLE AFTER IF BEEN SOLD 10X ALREADY

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, 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 explanation
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has stolen XXXX dollars from me. I deposited a legitimate check via mobile app my mobile limit was XXXX check was XXXX the immediately flagged it as fraud closed my accounts and are not returning money. Check was a legitimate payment from the sale of a property. My partner cut me the check from bank account and capital one said they called paying bank to verify check and check is fraudulent. Mean while the paying bank my partner called them and they have no record of capital one contacting nor did my partner receive a call to verify check as capital one has stated, this bank is full of crooks and a liars. They made no attempt to verify check just stole my money and lied about. My mobile app says check is cleared and funds available but they have locked and stolen it. Only fraudulent activity is with capital one, the are holding my funds which is every dime i have and terrorizing my families life. I cant pay my bills or feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
This involves an issue with information on my credit report that does not belong to me that I began disputing with TransUnion in XXXX, XXXX via USPS Certified Mail with electronic return receipts. 

Per the attached follow-up letter, verified as delivered to TransUnion in XXXX, XXXX, TransUnion has failed to provide any of the requested supporting documentation within the legally allowed 30 day period both in XXXX, XXXX and again via CFPB complaint # XXXX submitted in 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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX, XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 2023-06-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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, 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 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 XXXX, has violated my rights. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled for XXXX with a previous collection company back in XX/XX/XXXX. Debt was sold to another copy in XX/XX/XXXX, which was reported to the credit bureaus as an outstanding balance of XXXX, collection debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.

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 2023-02-01
Company: Nelnet, Inc.
State: MA
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:
Dear DEPT OF ED/NELNET ; These student loans under my name, ss number and address are reporting are inaccurate, misleading, incomplete, and therefore unverifiable. I request that the following accounts under my ssn house are your database be truthfully validated or rapidly removed or deleted from ALL my major credit report effective now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am experiencing identity theft and monitor my credit closely. I received notice that an account closed, upon review it was closed based on credit information that is currently affected by identity theft. Consumer contacted the company and explained the situation. Consumer asked for the company to add a remark onto all credit bureaus indicated consumer notified them that they are experiencing identity theft but this company still chooses to decline reconsideration. The company asked consumer to reapply once credit issues get resolved. Why, would I want to work with a company that has zero compassion for a person who has been a loyal consumer for over 10 years. And zero consideration to put the account on pause or freeze it. They had no other solutions but to maintain there current stance of closing account based on inaccurate information. The card company is with Best Buy Store card. So please be wary if you do get this card and experience the misfortune of identity theft because they will close your account and not care about the victimization of identity theft. I will never buy a product or ever apply for credit through this card company in my lifetime.

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 2023-08-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We never got any notification from WFB that payroll deposit were available during the pandemic of XX/XX/2020 and XX/XX/2020 my wife and myself were out of work. We found out about this issue, when my wife, got a notification from The Nevada unemployment division that she was over payed for the amount of {$13.00}, XXXX dollars. It is a huge issue for us, at this time, when we are in out retirement age. We filed a complaint with WFB, but they are saying that we go the money out, which we did not, I took money the was from my SS payments, and nothing else. Perhaps my account was hacked, by someone with access to our information, those individuals, are to very smarts and seems that everything is going towards us, as showing that we got out the money, As today XXXX/XXXX/XXXX, got a phone call from WFB  asking to verify our address, because WFB  wants to send us a check for {$120.00} dollars, seems to us that it wants to settle this disputed with this insulting amount, the offer was declined. Also I was told that the bank kept information not more than 60 days in their systems, our account was converted to different account, because we did no have DD, which we did with this deposit and my Social Security check.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked

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 2021-04-02
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance of my mortgage with the same company that was holding my current mortgage, Rocket Mortgage. Six days after the closing the loan ( well past my 72 hours to recend the refinance ) Rocket discovered additional costs that they felt need to be added to my payoff. I received a phone call after three in the afternoon and was told I had a few hours to pay the additional cost or my existing loan wound not be paid off. The additional costs amounted to just under {$1200.00}. 

Appearantly I had 72 hours after closing to terminate the refinance but the mortagee had an indeffinate time to cancel the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX  was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
Experians details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and XXXX have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$3400.00}

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 non-monetary relief