BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX XXXX  from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Self Financial Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cash net keep saying that I owed them XXXX dollars and they said the account was on XX/XX/2018 and I told them I did not get no loan from them and they still calling me and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2022-11-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX XXXX  who experienced several setbacks, family deaths, and financial hardships due to the XXXX XXXX Pandemic. I applied for assistance with the XXXX Assistance XXXX and was approved for future payments. These payments have been sent to my loan XXXX Shellpoint Mortgage Servicing but they are not promptly applying these payments to my account. 

On XX/XX/XXXX they applied the payment to my account on that day. In XXXX they received the payment on XX/XX/2022 but did not apply it until XX/XX/XXXX, XXXX. 

I was advised by the XXXX Assistance XXXX the payment was disbursed on XX/XX/XXXX and to date they have not applied it. I am not sure why they are holding on to these payments and making my account have late charges ( they did waive the ones for XXXX ) because they already have the funds. 

They told me they have to wait until the payment is late to post but this is not true because they posted the XXXX payment on XX/XX/XXXX. 

This is causing great stress when I am already dealing with physical and mental health issues. When I called in XXXX the phone representatives kept telling me they did not receive the payment but in an email they advised me they did receive on XX/XX/2022 but did not post it until XX/XX/2022. 

I was thankfully approved for 13 months future payments which will be frustratingly aggravating dealing with the servicer not promptly applying the payments to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have requested a modification from XXXX XXXX, but the company will not process it. Please see correspondence from our lawyer to counsel for XXXX XXXX on XX/XX/2022 : XXXX XXXX, As this chain of emails show, we have repeatedly requested information about our client, XXXX XXXX, and his ability to get a modification. Is there something missing that we can provide you? At best, you have told us you would " email '' your client. Our understanding of the federal rules is that we are supposed to get prompt responses regarding modification. Have you made your client aware that our client 's application for XXXX funds is pending? Please do not just send us another email that states you have forwarded something to your client. Also where are we in the modification process? If we do not get proper responses within 5 days, we plan to file a Consumer Financial Protection Bureau complaint against your client. Thank you for your kind attention. 

We want the bank to process our loan modification. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
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 XX/XX/XXXXnever investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XX/XX/XXXXto accurately determine or with any reasonable effort, determine if the debt belonged to me

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 2020-10-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested 5 months FOREBEARANCE they forced me to take two 3 months. 

Now they are sending me this packet to complete. 

The CARES ACT is clear. I am entitled to the FOREBEARANCE as long as I indicate COVID 19 has impacted me indirectly or directly!! 

I have done this by email over and over, by phone. PHH IS NOT COMPLYING WITH CARES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2022 Greetings, I am the successor trustee of my brothers XXXX XXXX. On XX/XX/2022, I pay the remaining mortgage to Well Fargo. Within XXXX weeks of that, we received the escrow check. The check mistakenly got shredded. On XX/XX/2022, I wrote to Wells Fargo requesting they stop payment on the escrow check and to reissue a new check for the reasons above. Since that time, this is what I was asked to do, and it remains unknown if they will honor my request to reissue the escrow check. 

Questions I had answered via phone call with Wells Fargo : Wells Fargo : Where did you get the money to pay off the loan? 
My brother left money to his wife for her to either stay in their current home or to find somewhere that she may like better in order to be closer to her family. She used the funds to pay off his house for it to be sold to his stepson. 

Wells Fargo : We see that you had hail damage to the home where did that money go? 
My sister-in-law, put the insurance policy in her name so it would be easier for her to pay the bills. The roof repair is to be finished during the last week of XXXX and she is just waiting for the insurance settlement to pay the XXXX. 

Documents Wells Fargo requested from me : Certificate of Death, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : indicating that my name was the only XXXX on the trust account. 
On XX/XX/2022 an XXXX XXXX XXXX was requested along with XXXX XXXX XXXX, the Deed at the time of the decedents death On XX/XX/2022, Wells Fargo requested a copy of my personal bank statements showing any withdrawals made over the past 6 months. 
o I sent them all the trust account statements from the time of my brothers death to the end of XX/XX/2022. 
Copies of cancelled checks and/or wire transfer confirmations over the past 6 months. 
Documentation supporting that the home was sold or refinanced. 

It is disheartening that this has gotten this far. And unfortunately, I dont know why XXXX going thru this. I hope you can help in this matter 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX, XXXX, I applied for an American Express XXXX XXXX ( Everyday ) credit card to take advantage of their " Welcome Offer to Earn {$200.00} Back '' after XXXX spends {$2000.00}. in purchases on the new XXXX within the first 6 months of XXXX XXXX. 

I have more than fulfilled the spending requirement and I called an AE agent on XX/XX/XXXX, to ask about the {$200.00} credit. The agent gave me a confirmation number for my inquiry and also stated that I would hear back from them with an answer to my question. I never heard back. 

On XX/XX/XXXX, I called American Express again as I hadn't heard anything back from them. This agent stated that my " welcome offer/bonus '' was " declined '', as my " account did not qualify for it ''. He also stated something about the offer being declined " due to a history of balance transfers ''. ( My credit score is XXXX and I haven't had a balance transfer in many years. ) After I asked to speak to a XXXX and, after much delay, I was connected to a XXXX XXXX. She stated that the welcome offer was declined due to " a welcome offer history in the past being taken advantage of ''. ( I have another American Express XXXX XXXX XXXX card which was opened in XXXX. ) I asked for more specific information regarding her claim of a past welcome offer being given me, but was not given any. 

I strongly feel that American Express has engaged in an unethical and misleading manner by misrepresenting their {$200.00} Welcome Offer for opening a XXXX XXXX American Express ( Everyday ) Card to me and others. Their practices are confusing and totally lacking in transparency. The reasons given me for their not honoring the {$200.00} Welcome Offer are pretextual. It is a " bait and switch '' tactic which is not only unfair, but unscrupulous. 

Please investigate these practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX, 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 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 explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 Hard inquiries on my credit report that i know i did not apply for, as well as one collections account on my XXXX report! 

Hard Inquires on Transunion XXXX XXXX 1. XXXX - XXXX ( 2 inquiries ) XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX 1. XXXX XXXX {$130.00} XX/XX/XXXX Original creditor 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 2022-03-31
Company: Experian Information Solutions Inc.
State: MD
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 mortgage was transferred ( or sold ) to XXXX XXXX  in XXXX of XXXX.I have made all of the required payments on time however, XXXX persists in erroneously showing that my XXXXXXXX payment was delinquent.

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 2022-11-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank has not report on my Victoria Secret or My BJs Perks Mastercard. I have contacted XXXX and they stated they will request a manual update as far as BJ 's Mastercard no one I have spoken to have been able to help me and keep referring me to the contact the credit bureaus. I am frustrated to no avail with the lack of help from Comenity and the lack of knowledge from the customer service reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Coinbase allowed to transfer my money using digital wallet to https XXXX XXXX XXXX  and it is crypto scam. Coinbase knew that the digital wallet was suspicious and belonged to crypto scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I entered into a rental contract on XX/XX/XXXX with XXXX through XXXX XXXX XXXX. Per XXXX XXXX after 13 months of rental equipment becomes property of patient. Around XXXX XXXX I started receiving threatening messages from XXXX that they were coming to pick up equipment because I did not have insurance coverage. Please note that I informed XXXX if they stepped foot on my property the XXXX XXXX Police Department would be called to remove them and charge them with trespassing and harassing the XXXX for life threatening equipment. I have attached my proof of coverage. I switched to a different XXXX XXXX plan in XXXX. Nonetheless, XXXX opened up several investigations to XXXX 's threats and correspondence those can be found yellow attached post it note beginning with # XXXX ...., XXXX also reached out to XXXX to inform them of the XXXX guidelines as well as the fact that I owed them nothing. XXXX has ignored XXXX and myself and has now turned me in to State Collection Service. I am now receiving calls and collection notices from both State Collection Service and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
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 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 2022-11-16
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. XXXX XXXX XXXX XXXX {$480.00} 2. XXXX XXXX XXXX {$200.00} 3. XXXX XXXX XXXX XXXX XXXX = {$110.00} 4. XXXX XXXX XXXX XXXX XXXX = {$170.00} 5. XXXX XXXX = {$950.00} 6. XXXX XXXX  = {$300.00} 7. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Caliber Home Loans, Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Caliber Home Loans is suing me in Massachusetts Land Court for a time-barred loan. The docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX FRADULENT iNQUIRIES ON MY CREDIT report ( IDENTITY THEFT ) XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 EXPERIAN REFUSES TO MOVE THESE FRADULENT HARD INQUIRES ON MY REPORT, IDENTITY THEFT FTC REPORT HAS BEEN PROVIDED, PLEASE HELP ME

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