BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: RELIANCE FIRST CAPITAL LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 I had called 3 companies to get information only on equity loans or refinance home..I made clear I am not doing either one at this time only getting information. For future ideals.

I was firm do not do hard pull to one company!!! One company asked for my social security number. The other 2 didn't ask for social and sent me info I needed to process.. tge company that got my social never sent me any info and did 2 hard pull inquiries from XXXX lowering my credit score and without my consent and with me telling them do not pull hard enquiry. 
His name info XXXX XXXX Mortgage Analyst Reliance First Capital , LLC I got his info from XXXX XXXXXXXX.I disputed thru XXXX, the didn't correct tge 2 hard pulls ... I reached out to XXXX XXXX they had no info on me... I pulled XXXX  he has numerous complaints ruining peoples credits and putting their homes in foreclosure that they refinanced thru him ... lost homes, hired attys and showed paid on time. 
This guy 's company had 8 phone numbers that just goes straight to him.. 

I never gave him or anyone permission to pull hard enquiry... .I was just trying to get knowledge on how process refinance or equity works made it clear to him I am not doing anything but getting knowledge.. 
Please help. Me get these 2 hard enquiry off my credit report with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wife called XXXX on Saturday, XX/XX/2023 because I fade out. Once the paramedics arrived to my house they just suggested to me to take XXXX and XXXX together. They added that it was the treatment they personally take for XXXX XXXX. Then they offered to me to choose between riding with them in the ambulance or do do it myself to the nearest hospital. Due to the fact on the information provided by the paramedics was not reliable, my wife and myself said no. Paramedics left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: 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 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$680.00} ; 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 2022-11-30
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;

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 2016-10-23
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to NationStar XXXX 2016. XXXX XXXX I mailed my payment to address given indicating my new loan #. Around XXXX XXXX, I received a statement/remittance from them. The check I mailed on XXXX XXXX was not posted to my account until XXXX/XXXX/16. Then XXXX XXXX, I mailed my XXXX payment. On XXXX XXXX, I received their statement/remittance. On XXXX XXXX, I received a call from NationStar letting me know they had not received by my payment, I informed them that I had mailed my payment on XXXX XXXX. They said I should allow 14 days!!! Crazy! The representative suggested making a payment over the phone with him for a fee or signing up for AutoPay. On XXXX XXXX, I received a late notice dated XXXX. The check cleared my account on XXXX. I live in XXXX and send payment to XXXX. It seems ridiculous to expect payment to take 13 days to be posted to your account. I was previously sending my payment XXXX and it never took more than about 5 business day!! I have never received their statement which provides the remittance slip before the XXXX of the month. I save the remittance slip form the previous month to mail so that I can be on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Remitly, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Ref # XXXX XXXX XXXX XXXX I used their app to transmit remittance on XX/XX/2023. On the app it showed that the amount of Rs XXXX PKR has been transferred into the recipients ( XXXX XXXX ) bank account. The tracking shows it the amount was received by the bank and the amount was further confirmed to be received in the recipient bank account. 

I talked to the recipient today who confirmed nothing was received on their end. Upon calling customer service today ( XX/XX/2023 ) at XXXX EST, I was first told I had used the wrong IBAN account number and that the XXXX XXXX is all caps letter and I input lower case letters which is a complete baloney and that is why it didn't go to the recipients bank account. I told them that their system auto corrected it to all caps and everyone knows that the XXXX code does not have any distinction between lower case and upper case letters and it is always upper case letters. 

I was told they will escalate it and get back in 3 days. I am looking at online reviews and BBB reviews that they hold on to customer 's money, don't transfer or return them and give everyone the run arounds for months. I needed to urgently send this money and I don't have it in my account now. 

They need to either make the money available in the recipient 's account ASAP or refund the entire amount back to me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: PLANET HOME LENDING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father ( Home Owner ), passed on XX/XX/XXXX, I have been trying to assume the loan and work with mortgage company and it is impossible to do so. I have Emailed, Faxed, Mailed probate documents showing me as the Succesor of Interest and they refuse to accept documents or update their system so I can be authorized to resume making payments and assume the loan. Everytime I call, it ends up on them hunging up or transferred from department to department and on hold for up to 38 minutes. Planet Home Lending has all documents requested and still no resolution since XX/XX/XXXX. This is unacceptable, consumer abuse and discrimination at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-02-08
Company: TRUIST FINANCIAL CORPORATION
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:
Unauthorized inquiry to my credit 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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have filed a fraud claim with Chase regarding several charges that the same company duplicated, and I was also told that I was not the first individual that this happened to from the United States. As soon as I got back from the XXXX XXXX, I went to the bank and canceled my card after I filed the dispute, and I will attach the proof of the same amount being taken out twice on the same day. Also, I am going to attach the evidence that I never traveled with XXXX XXXX, and yet they charged me {$52.00} for bags when the military does not pay for baggage, which is why we chose to travel instead with XXXX ; that is more transparent than any other airline in the industry. 
Now, chase had refunded four transactions and now they are saying that they will reverse it because the merchant has given them proof that the transaction are accurate. So, I told them I want to see, a copy of my passport, ID and my original signature on all 8 transactions that this merchant has charged me or I will hire an attorney to take action, it is not fair. Chase can see the discrepancies and yet they dont want to rotect their customer shame on you chase, I know that i am only a number to you, however my direct deposit from the VA still generates interest for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which appears 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 XXXX XXXX XXXX Balance : {$23000.00}.

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 2022-02-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I received a text message saying fraud alert. Shortly after that I get a call which read Wells Fargo Bank. And it went like this.Hello XXXX XXXX my name is XXXX and Im calling from the fraud department. We have received a alert that someone is trying to take 3500 from your account through XXXX. Also XXXX XXXX your card has been compromised in XXXX Florida. These charges will be send by XXXX and we need to hurry up and reverse these charges back to your account. I never used XXXX so I had no clue on what was really going on. I was instructed to send 1,000 for the first transaction and then 2,500 for the second transaction. And not really paying attention I noticed that my funds were disappearing from my account. I told XXXX why is my funds being taken away if we are supposed to be reversing this charges. At this point he started to get defensive. I asked if my account has been compromised then it would be a good idea for me to change my password. He instructed me not to do that until I get my card in the mail and also not to go on my account at all until I get my new debit card. Im like okay this doesnt make sense to me and told him bye. I hung up in disbelief of someone just scammed me of my money. I was so upset and cried. I then called my bank and told them what happened and filed a claim. Wells Fargo told me it would take up to 10 business days to get a response. I eventually received a letter from them stating they could not give me my money back because I sent the money through XXXX. I was hurt all over again. To think my own bank could not do anything about this matter. They never asked what proof did I have. They never asked what number called me. They never asked my anything. For someone to rob me of my own money really broke my heart.

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 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today XX/XX/XXXX called XXXX clothing retail store in reference to a return in the store on XX/XX/XXXX. See return receipt attached. I purchased item online XX/XX/XXXX. Spoke with a manager XXXX as she stated they released the funds back to my debit card for {$34.00} act # ending XXXX on XX/XX/XXXX. I said its the XXXX & still no credit. I asked if she can stay on the phone line so I can call my bank BOA to very why I haven't rec'ed refund. Called and asked for a manager XXXX XXXX. Authorized to release my banking info to XXXX, with both XXXX and BOA online. Per XXXX with BOX they dont show the return as I told her I want my money back as I did what I was supposed to do and have a return receipt. XXXX also provided XXXX with a ref # showing the release on the XXXX-ref # XXXX. XXXX continued to ask the same questions over again and tried to change the subject and brush us off. Refused to acknowledge the issue and cont to make excuses on how they never recd it. She did not want to help and made every excuse possible. I said i want my money and you are in violation by holding the funds. I also asked her what do I need to do to get my money as she gave me a hard time in refunding my money. She asked me for the 6th time the amt, dates, she then asked WHY did I return the item in which has nothing to do with a return, I told her I didnt want it. How dare she even have the audacity to ask me why. She asked if i know their cancellation policy, I said this is not a cancellation, its a return. She then then says do you know their return policy, I said what is it to you? I returned it and have every right to a refund regardless of why or return policy from a clothing store! This is a right to policy and when does a bank have the right to require a reason for returns and being aware of a return policy from the store? Regardless if I had known or not, do I not receive a refund? She then asks what's the return number and I said I dont know, she then says well I cant file a dispute for a refund. 
BOA has NO RIGHT! Due to their incompetence and treated me unfairly, refused to refund my money after verifying the refund, dates, amounts the store, etc and she she refused to file or provide a credit is a violation. The bank can not decide on a credit because of the reason I returned the item. For this terrible treatment and caused my to have lower funds as I planned to place the amt in another act for a purchase. Now that they have treated me unfairly and refused to refund my act I request this bank to deposit/credit {$500.00} for their mistakes and errors as they have purposely refused to refund act for financial gains and inconvenienced me and my valuable time.

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 2023-11-21
Company: EQUIFAX, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Trying to make a basic monthly payment with MyLoanCare.com. Loan paperwork has not been completed to where I can make my payment online and when trying to call the 800 number I have literally sat on hold for over an hour. I can not continue to do this. Absolutely pathetic and ridiculous.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a credit collection on my XXXX that is different from Transunion. One was taken off of my XXXX report but the same charge was on my Transunion and was not removed. I clearly saw that this was an incorrect charge or report on my credit card that might introduce more problems and they may have other incorrect credit reports to my credit as well. I have seen other companies sell credit collections that were owed to keep them going longer so it doesn't get removed under the time frame

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 2021-07-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After the last complaint against ERC, I submitted the " Tell Me More About This Debt '' letter from CFPB. I was sent a one page bill as verification. Please send the documents requested : " Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? ''

Company response to consumer: Closed with explanation