BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: FL
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 been a Victim of Identity Theft I did not Authorize any of these Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by my mortgage servicing company ( XXXX ) in XX/XX/2017, via a mailed letter, stating I was eligible to request termination of my monthly PMI due to my loan to value reaching 80 %. They stated I would need to submit a written request, which I did in XX/XX/XXXX.  I called several times to follow up on the request only to be told they have not yet received my email. They provided me with the same email address I sent the initial request to and told me to re-send the request. Every time I call to follow up on the request they state that they have no record of my request. I feel as if this is a delay tactic to keep me paying PMI. They contacted me, therefore I feel it incumbent upon them to follow through with the removal of PMI from my mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, INC.
State: OH
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 received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: NV
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:
In XX/XX/XXXX I received a copy of my credit reports. Upon a very thorough look, I found all sorts of errors. I decided to write the companies that were reporting the errors as well as start the dispute process with the credit bureaus directly. I asked for them to look into payment histories of a few of the companies on my reports as my records were conflicting with theres. Well here 's what happened : when I asked Experian to verify a delinquent payment history that was being reported by XXXX XXXX. 

On the report It read that the account was never late yet discharged through chapter XXXX bankruptcy. I disputed this because I never included XXXX XXXX XXXX in a bankruptcy. I was never late so why would I? In XX/XX/XXXX, Experian claimed that they verified the information as accurate but on around the same time, I had independently asked for XXXX XXXX to please send me records as well. XXXX XXXX could NOT provide me with any records. In fact all I received from them was a letter asking them to help research the items. XXXX XXXX also addressed me in the letter as " XXXX XXXX '' My name is NOT XXXX XXXX. My name is XXXX XXXX. I live with someone whos last name is XXXX that has a XXXX XXXX account and I believe that the company and credit bureaus have somehow merged our information. I sent proof of the letters to Experian and Experian did not change the information and claimed it was accurate! HOW? I sent another dispute in and I got correspondence back that unless I provided additional details that they would NOT reinvestigate the errors. I sent additional proof and they claim that the company verified the information again. I do not believe that they are doing an investigation at all. I believe that they are merely tying in addresses and claiming that they " verified '' it. XXXX XXXX could not provide me with any records but somehow Experian verified the accuracy of the records? Additionally, the original credit limit on the credit card was {$1500.00}. Experian is reporting {$19000.00} balance on the card before their investigation and {$28000.00} after their investigation but in XX/XX/XXXX reported {$1500.00}. None of this makes sense and they refuse to provide any proof of their method of verification of this stuff.

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 2019-10-22
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I opened a new mortgage with Guaranteed Rate Affinity, which was later transferred to Guaranteed Rate. 

I received my first billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}. The company address was listed as XXXX XXXX XXXX XXXX XXXX, IL XXXX. I paid this amount over the phone ( XXXX ) and received a receipt for the payment on XX/XX/2019. I received my second billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}, which I paid over the phone and received a receipt for on XX/XX/2019. Same company address, same phone number. This second billing statement showed a new loan number, and also reflected my previous payment. 

On XX/XX/2019 I received a third billing statement dated XX/XX/2019 and debt collection notice. The company address was listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. The third statement said my account was delinquent and overdue by {$3200.00}. It also referenced yet another new loan number. All billing statements were titled as originating from Guaranteed Rate. 

On Thursday morning, XX/XX/2019, I called the number on the third billing statement ( XXXX ) and was transferred to their debt collections department. The person on the phone indicated that they were a sub-servicer and had just received the mortgage with no prior payment information, and that my account was delinquent {$3200.00}. I was asked to fax over " Source of Receipt '' documents from my bank showing the payments, which I did Thursday night. 

I also contacted the original loan officer at Guaranteed Rate Affinity and emailed her all billing statements and receipts. On Saturday, XX/XX/2019, that loan officer said she forwarded the information to a manger in her servicing department. 

On XX/XX/2019, I called the phone number from the third billing statement and was immediately connected with the debt collections department. The person on the phone confirmed receipt of the Source of Receipt documents via fax, and said she forwarded the documents to her research department. She still showed my account as delinquent by {$3200.00}. While on the phone, I made a third payment for the month of XX/XX/XXXX, for the amount of {$1600.00}. I was then transferred to customer service representative. This representative told me that they would look into the matter, but it may take some time to apply the prior payments to my account. She said that the payment I just made was applied as a XX/XX/XXXX payment. She also said that unless I made another payment by XX/XX/XXXX to cover for XX/XX/XXXX, late payment remarks would be published to the credit bureaus. 

Over the last few days, I've received daily letters of threats of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was sold from XXXX to Fay Servicing in XX/XX/XXXX 
Since the turnover, Fay Servicing provided me with a loan officer but she rarely returns my phone calls and they keep demanding double mortgage payments and I can not afford double payments. I also have not received a mortgage statement for XX/XX/XXXX or XX/XX/XXXX. Even the Mangement will not return my phone calls. All they do is send certified letters for intent to foreclose. We have lived in our home for 20 years. Have had rough financial times and have always worked it out. I feel that Fay servicing just wants us out. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have the authentic images of 2 withdrawals from my XXXX checking account on XX/XX/2008. The first is for {$200.00} and then shortly after for {$7000.00}. My name is not even correct and the signature is not close to my own. I have a claim number and Wells Fargo conducted an investigation but then said that it had occurred too long ago. They knew the date before they opened the investigation so that reason does not even make any sense. They will not tell me any findings. I believe this was an inside job by the bank. Both images have XXXX, PA on them. I bank in XXXX XXXX MD. I have NEVER done two withdrawals on the same day. Again, the name is NOT my name and the signature is very obviously not mine. 

I provided the bank with the images for both withdrawals. However if necessary I can provide those again.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX), A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My morgage has been in forebearance since hurrican Irma hit FL back in XX/XX/XXXX/XX/XX/XXXX. My insurance company setteled my claim but the money is being held by Quicken Loans out of XXXX, MI. Repairs have been complete for over two weeks and Quicken can not get their outside vendor ( inpector ) to call me and schedule an inspection to verify repairs have been made -- -so that the balance of the money can be transfered to me. My house is up for sale b/c I am XXXX XXXX and need to move to WA state for my next XXXX assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: CCS Financial Services, Inc.
State: AL
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:
On XX/XX/XXXX I sent a letter to XXXX XXXX and to Credit Collection Services demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that Credit Collection Service is lawfully entitled to conduct the business of debt collection in the State of Alabama from XX/XX/XXXX to  present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from Credit Collection Service with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened with my name address and social security number. I did not open this account. TD bank froze the account and told me to report tht my social security number is compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Medicredit IncXXXX was issued a debt validation letter from me in XXXX of XXXX. They have continued to call me without sending a debt validation letter until XXXX of XXXX. They had seven months to respond but could not seemed bother to do so until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: SYNCHRONY FINANCIAL
State: MA
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:
There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from SYNCB/QVC, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Last month, on XX/XX/XXXX, I realized that I had not paid one dollar toward the premium on my auto loan. A friend of mine in the conversation said " What do you owe? You've had your car loan long enough to be paid off already. I looked at the bill and was outraged to see that I had not paid anything on the premium and had been only paying off the monthly interest. I called the company to see if they could release the loan or refinance it. They said that they understood, but they do not refinance their loans. The loan was for a XXXX XXXX that I had purchased on XX/XX/XXXX, for {$9000.00} with XXXX on miles on it, from dealer # XXXX with a car loan for close to {$11000.00}. The payoff amount ( today ) on XX/XX/XXXX, including repossession fees of {$880.00} totals for {$9700.00}. 
The company is Santander Consumer USA Account Number Is XXXX Monthly payment is {$280.00} Monthly interest is {$280.00} XX/XX/XXXX past due is {$1700.00} ( per their website ) Last payment was {$850.00} on XX/XX/XXXX ( paid from student loan ) Account Maturity is XX/XX/XXXX Next payment is due on XX/XX/XXXX I figure if my payments started in XX/XX/XXXX and ended in XX/XX/XXXX that I would have paid 44 ( months total ) x {$280.00} ( monthly payment amount ) equalling {$12000.00} and that amount comes way over the {$11000.00} loan amount I thought I was paying for my car. I have been told I will probably go to my grave and my car will be my coffin if I don't do something now about this loan. Santander will not help me, even if they know I am a XXXX XXXX, under a hardship, and having trouble making my payments. I did not know auto loans like this ever existed and feel embarrassed that I got bluffed by a loan shark and a crooked dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with XXXX XXXX XXXX. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian constantly fluctuates my credit score Despite having flawless credit. Example : my credit score dropped 13 points from XXXX to XXXX in 2 weeks for absolutely no reason? 
It bounces around like this all the time fluctuating upwards of 20 points on any given week despite no changes on my part? 
I have {$50000.00} dollars of unused credit and my bills are very low for someone my age. 
Never had a late mortgage payment, truck or credit card payment etc etc so why is it constantly changing from the 800s ( where it should be and remain ) to the 700s for absolutely no reason?? 
If I dont open any new accounts, miss a payment on a bill etc etc then it should not change like that! 
Total scam!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, Experian. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, Experian. If there is shown a way to contact this agency, it is not readily or easily found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: WI
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:
Can't XXXX Was Notified that they are not reporting to Equifax four months ago and still not reporting and reporting the wrong payment on account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after  recording my answer with the XXXX County Clerk of Court.  XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter.  They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were  used and if they used my relative address it should have been filed in a different County?

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