BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
When the mortgage rates were less than 3 % I applied to refinance. My mortgage rate is 6.5 % ever since XXXX held my mortgage. Shellpoint, the mortgage servicer for New Rez denied refinancing my mortgage. I had to call Shellpoint for the details of the denial. ( Shellpoint had sent me a denial letter without any details. ) My credit rating was very good, and I had paid my mortgage on time. The denial was new cause of student loans ; the total amount was used for a debt/income ratio. 

I had an agreement with XXXX to pay $ XXXX, and I paid it. XXXX is not asking me to pay the total listed student loan payment monthly. Even though I consistently pay 6.5 % on time monthly, Shellpoint denied refinancing my loan. 

Now I am XXXX old and need to work in order to continue paying my mortgage at 6.5 %. I do not want to sell, because the odds are very high that I would not be able to find another home. ( As you may know, California has a huge housing shortage ; and available housing is for very high earners. 

If I sell, I will need to move out of the country. At my age, I do not want to be far from family. There are no available housing for me. ( My mother was on several waiting lists for senior housing for more than 10 years. ) So, I continue to pay at 6.5 % because I didn't qualify for a lower rate. What more can I say, except I no longer enjoy living in the U.S. where I was born in XXXXXXXX XXXX in 1949. This country " XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans union, XXXX, & XXXX have not removed unverified derogatory items from my report. In so doing, they have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

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 2023-09-17
Company: Consumer Adjustment Company Incorporated
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and do not have a contract with Consumer Adjustment Company Inc./CACi. They did not provide me with the orginial application like I asked and refuse to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon inspection of my credit report, I noticed the following information is incorrect : Address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to sign up for alarm service with XXXX XXXX XXXX in XX/XX/2021. In the process XXXX advised that equipment will be {$1500.00} and will be financed by their " XXXX XXXX  '' Affirm. When we finalized the service arrangement, XXXX advised that it would take them 2 months to provide service and install equipment. I immediately cancelled service and received a XXXX airbill to return the equipment back to XXXX ( when it would arrive ). That equipment was returned via XXXX. I was assured that service would be cancelled and equipment refunded. BUT, XXXX home security did not refund the money back to their " inhouse '' lender Affirm and Affirm started collecting now {$2100.00} for money which is owed to them. I tried to contact with XXXX home security multiple times but they did not respond. Affirm did not respond to my inquiries either. 
I do not owe any money, as I did not keep any equipment and did not receive any service. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraud claim filed on XX/XX/. Our mail was stolen at work and as a result a check for XXXX was fraudulently cashed at an ATM by the criminal. 

We were told that the claim would take XXXX days which we are essentially at right now. 

XXXX XXXX XXXX is the bank that cashed the check. My bank, Wells Fargo, has reached out to XXXX XXXX XXXX to seek reimbursement so that WF could give us out stolen money back. 

I have reached out to WF again to request status but have not received any response. 

I have no account at XXXX XXXX XXXX so they wont talk to me. They did however give me a XXXX XXXX XXXX claim number XXXX so Im hoping that you can reach out to them as well. 

We are a small family owned business and this money is greatly needed to help us keep our doors open.

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 2018-05-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sold a beautiful purse and used Paypal for invoice. My XXXX transaction, the purse has no crack : https : XXXX? XXXX % XXXX % XXXX & XXXX Here is my description : Beautiful Authentic Preloved XXXX XXXX Mini Speedy with dust bag included - {$390.00} ( firm ) includes Paypal invoice and shipping Click here for more postings : # XXXXGreat used condition.Normal signs of wear such as discoloration of leather ( vanchetta developed beautiful even honey patina, wrinkles, and some scratches and marks that blends in the color of the vanchetta. Some hardware discoloration.Interior is clean.Pipings are intact.No rips, tears, or cracks. No perfume, smoke, foul smell or odor. Please understand that this won't smell brand new and sense of smell varies from person to person.Made in XXXX. Date code : XXXX ( XX/XX/1996 XXXX Measurement : W : 6.3 '', H : 3.9 '', D : 2.8 '' Handle : 8.7 '' Please see all photos before buying it. 

When the buyer received my purse, she claimed that it has a crack. She ruined my purse to get refund 100 %. Paypal did not listen to the seller, Me. I sent them photos and they sided the buyer, who is a scammer. Now, I have damaged purse and Paypal refunded the buyer who destroyed my purse. I have known many sellers that are scammed because Paypal allowed it and not protecting the Seller. There is NO sellers protection in Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I mailed in a new account application with a {$500.00} money order. They never opened the account and kept my {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened a checking account with Wells Fargo branch in the XXXX XXXX area, I had a fraud garnishment, a spoof, bank robber they withdrawn money from my account someone send them a fraud garnishment child support that had been removed expunged for 10 years it keep causing a data breech in their system.

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 2023-07-11
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-07-11
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: VA
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:
Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage Experian, XXXX and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # 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 2018-05-15
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have been waiting for my title pink slip to be returned to me long ago after I paid the loan off, as a Disabled Veteran and elderly person the company had no idea where it is? 

The Calif. DMV said that the company has a history of failing to return title loans after they are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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 have reached out to Experian, XXXX, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. XXXX has updated my late payment for XXXX XXXX account. However, Experian, XXXX, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform Experian, XXXX, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX  ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. Experian, XXXX, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX  have verbally stated they will not forgive my late payment under the covered period. This is against the law.

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 2023-08-03
Company: Mercedes Benz Financial Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  with Mercedes Benz Financial Usa LLC, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A SECTION 2 : IT Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Promptly correct the billing error in accordance with the provisions of USC Title 15 chapter 41 Subchapter I Part D Section 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: ACIMA CREDIT, LLC
State: NC
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've been disputing XXXX over the past couple of years due to inaccuracies on my credit report. This account has been removed from my XXXX and XXXX credit report but it is still showing on XXXX. This is a violation of 15 USC 1681eb because this is inaccurately reporting on my credit now. I have attached my dispute letter from XX/XX/23 and I demand removal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
I have a credit card on my credit report with Experian that doesn't belong to me. I have resolved this issue through communication in XX/XX/2023. But in XXXX of XXXX it showed up again on my credit report and had a huge impact on my credit score. At present, I have communicated with Experian many times and still can't solve it, so please help me with my identity theft. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ACIMA CREDIT, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acima credit has placed an account on my credit report that is not mine it is from a furniture company the furniture was delivered to an address that is not mine nor have I ever lived there I had previously had an account with Acima that I paid in full this address is now on my credit report since this happen I have asked for it to be removed and also the collection and late payments.aAnd when I notified Acima for info on the store I was told it was gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the Fair Credit Act, the list of accounts below have violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX ; XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX ; XXXX 15 U.S.C 1681 Section 604A states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2 states it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any other information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: American First Finance, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to refinance my home in XXXX XXXX, FL. I am a customer of BB & T and have a Home Equity Line with the bank. In order to close on my refinance, I need a SUBORDINATION document from BB & T. The request was made on XX/XX/2020. A confirmation of the request was sent via email with an explanation that it could take 20 days due to the COVID Pandemic. It has now been more than 30 days. I believe 20 days was excessive, but 30 days is unreasonable. I have left several voicemail messages with : XXXX XXXX XXXX / XXXX / XXXX / the agent with my case. They have gone unanswered and I have simply been ignored. I am dependent on BB & T providing reasonable and timely service. They are not providing that and are ignoring their responsibility.

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