BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I accepted Covid relief offer for forbearance and was told repeatedly that one of the options for settling that forbearance was to add the final amount deferred to the end of the loan. However, when I started that process in XX/XX/2021 the forbearance was extended again and they told my ex husband and I to contact them in another mth. or so to settle the forbearance and begin making mthly payments again at that time. I think what we were aiming for as we resolved the Covid was referred to as a SIMO ( simultaneous modification/review/assumption ). This process was to have taken care of theCovid forbearance being added to the end of the loan, make my payments more affordable as I am now a single income senior and enable me to preserve my only home while also having me confirmed as successor ( unfortunately due to a divorce ) all at the same time. Again, I was told repeatedly that adding the balance deferred to the end of the loan would be one of the ways offered to resolve the forbearance. As already mentioned, I am a senior and have limited income and earning potential at this point. This is my ONLY home ( as well as my daughter 's ) and it is of the utmost importance that I not be taken advantage of or lose my home due to the historically complicated times and the Wells Fargo system that could have instigated a riskto losing my home. I have spoken with 4-5 different departments on any given day at Wells Fargo often getting bumped from one to the other up to ( 4 different people in hours long telephone calls ) on many days. Please help me get this resolved so that I am not in danger of foreclosure or losing my only home in my senior years after accepting what should have helped me ( the Covid Relief ) but now seems possible to be an instigating cause threatening my loan and the of loss of my home. It has yet to be able to be resolved through the bank. I am not sure if it was the unfortunate divorce that has complicated it a bit more or what but I do feel and have repeatedlymade clear that I need someone to help me keep my home at this most critical juncture. I have pages of names, dates, etc should any of that be needed but have felt tossed carelessly about from one department to the other and still no resolution through Wells Fargo. That is why I am reaching out to you for help now.

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 2023-12-03
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
a gentleman call me in regards to a personal loan that I applied for. He asked for me to send money and I declined. I provided account number and routing number only for the deposit. My bank account was hacked the next day. I noticed multiple unknown transactions. There was multiple transactions for remitly that was sent from my XXXX XXXX account. There were XXXX transactions for XXXX each. The caller first identified himself as XXXX with XXXX XXXX he communicated with the number XXXX. The remitly transactions that were fraudulent went to somebody in XXXX named XXXX XXXX, number XXXX. There are XXXX reference numbers are : XXXX, XXXX, XXXX, XXXX. There was also a XXXX XXXX transaction on XX/XX/28 for {$150.00} to XXXX XXXX. His senior loan XXXX communicated with me with the fake name of XXXX XXXX with XXXX  XXXX the number that was used was XXXX. He was harassing me to send money. I refused. I checked my bank account and it was completely drained, multiple unknown transactions. I tried to log in to my mobile bank app and was locked out so I called the bank and they said somebody hacked into my account from out of state. The bank put a hold on my account and wouldnt release me my funds so I could open a new account at a different bank. They would not let me have the money until investigation is complete that can take up to XXXX  days. I have no money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not without my funds, need to pay rent etc. the bank treated me as if I did something wrong. The information provided is all I could investigate on my own.

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 2019-08-03
Company: EQUIFAX, INC.
State: TN
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'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I submitted all pay stubs they asked for for 30 days. It was XXXX dollars earned for 30 days of work they claim they never got the other pay stubs. I have submitted everything they asked for. I get a letter they didnt get it XXXX so sick of this with this company I am about ready to refinance my mortgage with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Have been asking for written confirmation of their payment of property taxes from escrow. They called once, said they would send confirmation and have not, nor paid the taxes. I have sent XXXX requests in the past month. I have received a past due notice from the county tax collector.

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 2022-04-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have attempted to reach out Shellpoint regarding the final payoff again on XXXX XXXX, 2022, I have received the responses on XXXX XXXX through their email notification. This is the first time I have received the Shellpont 's response. 

I have followed on XX/XX/XXXX to XXXX, however no XXXX response my calls. 

Based on their letter on XXXX XXXX, XXXX, they claimed that they sent me the final payoff on XX/XX/XXXX, XXXX XXXX and XXXX XXXX. However, based on the letters ( XX/XX/XXXX, XXXX & XXXX XXXX ), they were addressed to the prior owner 's mailing address, and my email address was incorrect XXXX. My email should be XXXX ( which they sent me the correct email on XXXX XXXX, XXXX  ). 

According to their response letters, Here are their response letter details : XX/XX/2022 Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} I would request Shellpoint to explain why the payoff is the difference between a few days of time, and I request and appeal the items of unreasonable fee 1 ) Fee {$2700.00} and 2 ) Funds owned by the borrower {$3200.00} immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank : Chase Bank NA Issue : Transaction Fee for XXXX Purchase Date of transaction XX/XX/XXXX Date of Fee XX/XX/XXXX Issue : Chase bank is now charging " Transaction fees '' on XXXX usage on credit cards without warning. They are also charging high-interest rates on the fees without warning or notification. 

Attempted resolution : Attempted to ask for a reverse of the charge via customer service. It was first stated by an associate that Chase had no responsibility to notify customers of the change as it was XXXX that changed their transaction category. I was also told no charges could be reversed. I asked to be transferred to a supervisor who indicated that one of the charges could be reversed but not the others. She then mentioned Chase DID have a responsibility to notify its customers and I should of received a letter. I explained that I did not get a letter and I should of been notified via email or on the Chase website, which she indicated they had not done. 

Chief Complaint : Chase is attempting to use service fees and interest rates to attempt to generate income on unsuspecting customers without warning of possible fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date opened XX/XX/ Balance {$13000.00}

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 2022-04-11
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I contacted The Best Service Company regarding an account that appeared on my credit report with a balance of {$430.00} and I requested the name and address of the original creditor. I then followed up with The Best Service Company on XX/XX/2022 as I was still unclear about this item and I requested an itemized statement breaking down the balance they claimed I owe. 

In their response to me dated XX/XX/2022, they stated that based on their review, they decided that I owe this debt and that I have no valid reason not to pay it.I was provided the name of the original creditor, an account number, and The Best Service Company concluded that my dispute is not valid based on the information that had been provided. 

Upon reviewing the same documents that were supposedly used to verify this debt, how did The Best Service Company come to the conclusion that I owe {$610.00} when the ending balance on the documentation and the balance on my credit report show different amounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Mortgage hardship as it has got really hard for me to make the Mortgage payment because of the Corona virus Epidemic and I applied for Mr. Cooper Hardship assistance on XX/XX/2020, since then Nationstar Mortgage DBA Mr. Cooper has paused my application three times and also asked for my HOA fee which I already mentioned in the application that I do not have. still again and again they keep on asking for my HOA fee, mine is a single family house and there is a property tax but no HOA fee. 

Mr. Cooper is asking for my Tax returns and two bank statements which I have already provided but they are pausing my application out of no reason ( Please see the screenshots attached ). Their dedicated Loan specialist " XXXX XXXX '' is also not responding, I have called her multiple time and left voicemails but to no avail. I don't know what to do I am banging my head on the wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: MD
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

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 2023-09-29
Company: BSI Financial Holdings, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I requested current balances and statements. I'm still not getting statements, but I can get a printout of my payments from the website. I make monthly payments of {$300.00} per month. The payments ARE NOT being reported to the credit agency. Only the original amount of the loan shows and no matter how much I pay the company will not report the reduction in my balance. I am only asking for TRUTH IN LENDING. Report my true balance or remove the " balloon payment '' comment from my credit report. BSI Financial Services ( Phone XXXX ) Loan Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple disputes to TransUnion to remove the collection from XXXX  in the amount of XXXX . At first they did remove it but it popped back on my report 2 weeks later. This collection is not mine, it is not verifiable, and it needs to be deleted ASAP.

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 2023-01-19
Company: EQUIFAX, INC.
State: NJ
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 collection on my credit from XXXX XXXX XXXX ; first delinquency XX/XX/2022 with a status date of XX/XX/2022 ; date assigned XX/XX/2022. It's for a utility company based out of Texas called XXXX XXXX XXXX XXXX for an amount of {$620.00}. 

I have disputed this collection with Equifax XXXX times and each time Equifax states it is mine. I reached out to XXXX XXXX and provided some identifying info and they state it was a mistake. 

How do I get Equifax to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this debt a long time ago, Diversified Adjustment Company is still reporting a balance on XXXX, and they promised to delete the account upon payment, which it is still on XXXX  and XXXX, so they lied! They have violated my rights, made false statements, misrepresented facts, and did not keep their own promise! Please Help Me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation