BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot ( NMLS # XXXX ) does not normally answer their phones and does not return a phone call. When I do get through to a live person they say they will call me back and then I never hear from them. 
This has been going on for the 8 months I've been with them. 
XX/XX/XXXX XXXX sat on hold for 15 minutes at XXXX XXXX XX/XX/XXXX XXXX sat on hold for 31 minutes at XXXX XXXX  XX/XX/XXXX XXXX on hold for 4 minutes before I was able to leave a message asking for a call back / XXXX XXXX XX/XX/XXXX XXXX on hold for 13 minutes before I was able to leave a message asking for a call back / XX/XX/XXXX XXXX got transferred to customer service and no one answered that call XX/XX/XXXX I emailed and XXXX XXXX ( Processing Assistant Manager ) who helped originally with the closing of my loan. She informed me that XXXX XXXX ( loan officer ) was no longer with Loan Depot and she would locate someone to help me. I never heard from her again.

At one point during all of this I got ahold of a XXXX at XXXX and she assured me she would get back to me. She returned my call and I missed it so I called her back a few times and she never returned my call. 

Fast forward to when my XX/XX/XXXX loan amount went up and I couldn't find out why online. Tried calling loan administration and no one answered.

To eliminate LD affecting my credit, I paid the higher amount. 

XX/XX/XXXX received a letter from LD stating I should have a refund in my insurance account and to contact my previous insurance company ( I've been with the same one for 5+ years ) and ask for a refund and then send the refund to them. I contacted my insurance company and they had no clue why I received that letter. 
I attempted to call LD which I've listed below. Note I've been calling the number on the bottom of the letter they sent. XXXX XX/XX/XXXX auto disconnected as I sat on hold XXXX XXXX XX/XX/XXXX on hold for 35 minutes XXXX XXXX  XX/XX/XXXX auto disconnected as it told me to hold for a representative XXXX XXXX  Called " insurance department '' of LD at XXXX and a very kind lady named XXXX XXXX and she told me it was for business to business calls only and she gave me a customer service number to call, then she transferred me. 
XXXX Disconnected while holding for next representative. 
XXXX I called back at XXXX and was on hold until I was auto disconnected at XXXX XXXX. 


I have attempted 3 times to have bi-weekly payments set up so I can pay off my loan faster. Each time, I took a screenshot of the completed form with all of my banking information, date to start etc. Each time a received a letter that they received a blank form from me ... ..even though I have proof. This is why I was attempting to reach them in XXXX. It's still unresolved because I gave up. 
How does a large mortgage company get away with not servicing their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: PA
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:
There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 according with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 8 state I have the right for privacy 15 USC 1681 section 604 A section 2 also state The consumer report agency can not furnished my account information without my written instructions.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans Union There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for One Nor WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for NOR WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX XXXXXXXX One of them has done 21 inquiries & NEEDS TO BE STOPPED Trans Union hasn't started disputes 30 days is up 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting to remove or update the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$8400.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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
Consumer complaint received 2022-05-17
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:
These accounts doe not belong 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 explanation
Consumer complaint received 2019-06-17
Company: I.C. System, 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:
This company claims that I have a balance of {$310.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to XXXX  asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows ( XXXX XXXX ) as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.

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 2021-06-01
Company: EQUIFAX, INC.
State: PA
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:
There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, I was approved for a credit card with Wells Fargo for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to Wells Fargo. The bill was paid by me thru my bank account and multiple deposits to credit card. Wells Fargo raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to Wells Fargo to dispute and provide paperwork to show bill was paid. Wells Fargo rep told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after Wells Fargo began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and XXXX in XXXX. Wells Fargo reported balance as being correct. In an effort to clear the amount on my credit report I paid Wells Fargo {$2000.00} under certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. Wells Fargo responded to dispute that I still owe the balance of {$2000.00}.

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
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA violations : accounts not mine 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 

FCRA violations : 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 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 2022-05-17
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : accounts not mine 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 

FCRA violations : 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 2023-09-14
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There were two transactions made one on XX/XX/XXXX XXXX on XX/XX/XXXX with XXXX  XXXX took the money out of my account for both transactions because it was a delivery order they put a hold on an amount and then refund it and take out for the actual charge for the one it was supposed to be {$79.00} and for the other one it was supposed to be {$200.00}. Both funds were taken out that day, however cash app without my knowledge or permission, took out a second and third time for the transaction, stating that XXXX had put the money back into my account when they never did I have the documents that prove this every associate that Ive spoke to on the phone has told me I was in fact double charged for each purchase, but every time we try to put in to get my money back there XXXX or dispute service just tells me that theres nothing that they can do, and it will not provide me the information that they used to come to this conclusion or just hang up on me as of right now I missing almost {$600.00} out of my account and thats just with these two transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX XXXX XXXXXXXX XXXX issued an Assignment of Mortgage in error, but they claim they can not issue the correction because they sold the Servicing Rights to SPS. XXXX XXXX XXXX XXXX has called Select Portfolio Servicing several times XXXX and XXXX, we sent documents and, XXXX XXXX XXXXXXXX XXXX sent documents, acknowledging they were not the Noteholder or Investor, and that our Noteholder was XXXX, and XXXX acknowledge there is NO LIEN. SPS still refuses to issue the Correction of Assignment of Mortgage, There is No Assignment of Mortgage, there is No Mortgages, and No Liens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When Ally Financial finally got caught as a subprime lending scam over a year ago and successfully sued for said action I contacted them and told them to remove the actions off of my credit and they did. Sort of. They listed it paid but never corrected the constant credit report abuse of misleading and incorrect data. 

I was a co-signer. Its my exhusbands loan to which he was repossessed twice and we paid thousands to fix repossessions to get back car. He paid off the loan right before class action. {$28000.00} when I told them to remove and correct due to class action they did so. However in a year Ive struggled to raise my credit XXXX points and then dropped it this month XXXX points for again incorrectly reporting payment history and to why they did so Im unsure of. Cant be legal. This was reported paid. Finished. After 8 years of trying so hard to fix my credit to purchase a home white in college full time and working as hard as I am to secure a affordable car loan with my tax refunds they did this. I was almost at XXXX and not Im in the XXXX again. +10 % interest on any loan if I can even afford it now. This is so unfair. XXXX paid it and theyre in a class action why are they still requiring credit of mine to which Im working so hard for. Im trying ti buy a home so I can finally have a roof over my head. This isnt okay and Im about ready to sue them myself. Ive had my credit go above and under every time I raised it for 8 years.

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