BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CO
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 sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.

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 2020-03-09
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We took out a loan with XXXX XXXX for home improvements on a property my Dad left me when he died in late XX/XX/XXXX. The loan was subsequently sold off to NewRez. 

Starting in XX/XX/XXXX, NewRez started threatening to purchase home insurance on the property if we did not furnish proof of insurance. I immediately provided our current proof of insurance. Their next letter was that they required proof of insurance going back to XX/XX/XXXX thru XX/XX/XXXX. We had changed insurance companies since that time and I had pitched those past records so I requested a Letter of Experience from our old insurance company which I then provided to them ( showed we were covered from XX/XX/XXXX thru XX/XX/XXXX ). 

I called and they said that was not enough proof. I was able to get my hands on my original insurance certificates from my lender and uploaded them as well as all other insurance docs showing proof of insurance from the day one of ownership in XX/XX/XXXX. Received a form this weekend ( XX/XX/XXXX ) stating they purchased {$980.00} insurance for us and set up an escrow account which has a balance of - {$980.00} and stating that our payment will go up almost XXXX XXXX/month because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account had fraud done on it and I submitted all the paperwork back to Bank of America, but they never resolved my issue. I had lost my card and pin number and someone had deposited checks from my account. I have never had checks while having this account. They said the checks totaled to about {$10000.00}, but I don't know how they would let someone get that much money out of an account that has never had more than {$300.00} in it at a time. This is hindering me opening an account with any other bank.

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 2023-07-31
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: Information belongs to someone else

Complaint:
Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-03-09
Company: Ingo Money, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A transaction made on XXXX in the amount of {$740.00} shows as pending despite canceled minutes after it was made on XXXX. According to the terms, transactions can be canceled within 24 hour period, there appears to be a technical issue on the end of Ingo Money, the company transaction was made from. I verified transaction canceled with another rep, she confirmed it. Ingo Money should verify this and fix any technical issue so my account does not become inactive. I elected to take check to XXXX  XXXX XXXX, the bank it is drawn from, cash it in person due to an emergency. In the event the check is returned on end of Ingo Money, the transaction was canceled and should show as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: GreenSky, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
One month ago I contacted green sky requesting a deferral due to COVID19 given my hours were cut at work. I was told I had a 3 month deferral. 5 days past the first payment that was not made ( 1st month of the deferred months ), I received a collection call. I reiterated that I was told I had a three month deferral and offered to pay as I did not want my credit to be negatively affected. I was assured that nothing is reported to the credit agencies until a loan is 30 days past due. A week after that call I get multiple collection calls, two in the same day. I have the same conversation and am assured that nothing is being reported. Yesterday, one month after the initial call I receive a letter in the mail  confirming the deferral. This morning at XXXX I received a call from Greensky yet again. I have excellent credit ( XXXX  rating ) and do not want to associate with a company that has a complete disrespect for its customers during a pandemic and no internal tracking of the conversations taking place. I have since set up the loan to be paid in full so I do not have to interact with this company ever again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: VW Credit
State: MI
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:
My VW Credit loan for a XXXX XXXX was not total cashed out according to the guidelines of the GAP claim checklist filed with VW of America. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to equity ratio and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

2012 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: OLIPHANT FINANCIAL, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is a collections company by the name of Oliphant USA LLC they are saying that I have an account with XXXX with a debt of XXXX I have told them over and over that I did not open this account! I told them to send me paperwork and proof and they can not! This is the only thing in collections on my credit report because I pay all of my debt! I did not open this account with these people it has to be fraud!! I'm begging to get this collection debt off of my credit report because I have worked to hard to get my credit where it is! This was placed on my credit report XX/XX/XXXX. They claimed it was opened in XXXXXXXX XXXX  XXXX. This is not my account the original creditor they claim to be is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX  credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: AMERICAN EXPRESS COMPANY
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:
To my knowledge, credit cards in my name were taken out beginning in XXXX of 2021. There is one specific person that has done this and bragged about doing so online through various social media outlets. Ive tried filing complaints, pursuing charges, police reports etc with absolutely no resolve or help by local authorities as this person lives in another country. My credit remains affected. My life remains affected. I need these more than TWENTY credit cards opened without my authority by this criminal to be dropped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I need urgent assistance. I was approved for XXXX from the XXXX  HAF program after being approved for a combo mortgage modification in XX/XX/2023. I received approval modification documents from carrington mortgage that I had to accept, notarized and return back to carrington mortgage. According to my modification documents I had to make my first trial payment by XX/XX/2023. I called to make my payment on XX/XX/2023 and was told by carrington that my modification was canceled. I received the letter in the mail the same day. I was instructed by Carrington Mortgage to resubmit another modification application because according to them my monthly payment would decrease after they received the XXXX. I questioned why I would have to resubmit a second mortgage application when I was already approved and they carrington was already aware of my XXXX HAF approval. 

Carrington cancelled my mortgage modification on XX/XX/2023 the next day after receiving the XXXX which did not make me whole and the reason why I still needed the modification to address the past due arrears and XXXX escrow balances. 

I send a couple of follow up emails requesting a status check and to make sure I would not have to resubmit another application since I submitted a second HAF application for additional funds. On XX/XX/2023. I was told by carrington that the reason they denied me was because of the XXXX  HAF terms and guidelines could not be met and they informed me that they returned the XXXX back to HAF. I dont know why they would return the money and put me back in a worst position than I was in before resubmitting the second application. I dont know what to do. 

Carrington denied my second mortgage modification application and I provided the exact same information that landed me the first approval. I received an email from HAF stating I could apply for additional funds XXXX and I submitted a second HAF application which was denied because Carrington denied the second modification that they instructed me to submit to lower my payments.

They filed for foreclosure on my home. I resubmitted a third modification application with carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Social Finance, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have already filed a complaint and will be filing another based on the false information that the bank responded with. 

The information you provided regarding Visa rules is accurate - You state here that what I submitted was accurate. Meaning, the cardholder shall be given credit during the investigation as determined by VISA Rules Section 1.1.11.1. 

however, the rules also state that the Cardholder must attempt to resolve a dispute with the Merchant or Merchants liquidator, if applicable. You provided copies of your email communications with the Merchant which confirm that the Merchant attempted to work with you to resolve the issue but you did not respond and therefore did not accept their assistance. - You say that I never responded to the merchant, this is false as I reviewed the emails myself and show my responses advising that I wanted a refund and would accept nothing less and even offered to take a 50 % refund. The Merchant refused! 

SoFi has not provided a provisional credit for the following reasons : -It is not required by Reg E - This is not a Reg E claim ; I provided you a call recording with VISA Rules Customer Service who clearly stated that this claim falls under VISA " Consumer Dispute '' Rules and not under Reg E ; I also called the Fed Resv and CFPB and was advised of the same. Reg E only covers " Errors '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide " Consumer Dispute '' guidance.

You agreed to ( and did not honor ) a 15 day Money Back Guarantee with the Merchant - Under VCR 13.3 the Merchants refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid. 

You did not work with the merchant to resolve the issue. - This is not true I attempted twice to get the Merchant to view it from my standpoint and even offered to settle for less than the purchase amount. 

You people apparently do not know the difference between a Reg E complaint and a " Consumer Dispute '' and what guidelines to follow. You really need to sign up for VISA Class and get certified on how to handle these complaints. Considering if you simple review documents on the VISA website as well as companies who specialize in chargebacks you will see that I am 100 % correct and you are 100 % incorrect with this matter. 

I think that the Fed Resv, CFPB and VISA all need to be brought into this and give their take on this case and prove who is wrong and who is right. I bet I prevail!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: PA
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 have been a customer of XXXX for over two decades. 

I had always used my own credit card. 

I was recently offered an XXXXXXXX XXXX XXXX via XXXX XXXX  with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry.

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.

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 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America Forced- closed my business banking account, because of a dull check a client gave my company. We had no control over this matter and my account was marked as fraudulent ; moving forward no one from Bank of America reached out to me to solve this issue no we continue to have issues with BoA. 

They without notice closed my accounts ; due to this my other title transactions were not able to process through. I since then have been behind on my bills and expenses because of this. I do not appreciate how my business has been flagged as fraudulent if this is something we did not know about.

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 2022-11-10
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: Investigation took more than 30 days

Complaint:
15 USC 1681 c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have included An Ftc report 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 2021-04-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to XXXX, EXPERIAN and XXXX on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and XXXX, EXPERIAN and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated 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 2023-11-15
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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 2022-11-10
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:
This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries inaccurate personal information are being reported to my personal file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. I need the following items removed as soon as possible. 
TRANSUNION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL 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 2020-03-09
Company: LEXISNEXIS
State: NV
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:
law saids they have 30 days its been 35 days remove the ftc violations two XXXX XXXX XXXX all inquires 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