BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Experian Information Solutions 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:
Several accounts on my credit report are fraud opened account. Please look at the attached documents. Experian will not remove the fraud accounts even though I have provided proof. Please delete 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 2020-04-27
Company: AMERICAN HONDA FINANCE CORP
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:
After reviewing my credit report on XXXX, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : American Honda Finance Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My XXXX XXXX card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.

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 2022-02-02
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mother entered into a reverse mortgage the company ( formally known as XXXXRMS ) and now PHH Reverse Mortgage. She died XX/XX/XXXX. I entered into a Covid forbearance while I was dealing with both my mom 's and dad 's estate ( I am their only child ). I also was directly affected by Covid and a temporary lapse in employment, so I appreciate the extension which expired on Jan 26, 2022. My main intent throughout this whole process was an heir payoff. PHH scheduled an appraisal on XX/XX/XXXX. And since that time ( as of today XX/XX/XXXX XXXX EST ), I am still waiting for my heir payoff. 

Without an heir payoff or related purchase agreement, I'm not able to start my process to close on this home which begins with the bank ordering their own appraisal. I have also repeatedly requested the loan origination documents and statement from inception of the loan to date for several months. I also put this officially in email writing on XX/XX/XXXX. 

My problem is I am unable to speak to anyone directly in the XXXX XXXX XXXX. I am also not able to receive an update on the loan origination and statement documents. The house is in foreclosure. But I'm repeatedly told by customer service agents when I call that there is : " no sale date yet '', " XX/XX/XXXX '' and " XX/XX/XXXX '' and " XX/XX/XXXX '' sale dates. 

Additionally, I am concerned with the documents my mom signed and the way this mortgage product was sold to her many years ago. I remember reverse mortgage brokers knocking on her and other neighbor 's doors, calling her incessantly and telling her to not discuss her reverse mortgage options with me. These products often disproportionately target low income minority home owners which I find unscrupulous and unethical. And many don't quite understand what they've signed nor the ramifications of their decisions after their passing, which is also why I've retained legal help to get some understanding on why I've never seen the documents I've requested and what is contained within them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, 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:
XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The information should of been blocked within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPLIANT IS NOT A DUPLICATE PLEASE REFER TO PREVIOUS COMPLIANT WRITTEN ON XX/XX/20 MARKED AS DUPLICATE. 

GUILTY OF NOT FOLLOWING SECTIONS 609 AND 611 AS DOCUMENTED OVER 43 TIMES. 

HAS COMMITTED PERJURY FRAUD AND NEGLIGENCE. 

HAS REFUSED SERVICE. 

HAS CONTINUED REPORTING FALSELY ON ALLEGED ALLEGATIONS FOR UNVERIFIED ACCOUNT AND CONTINUED WRITING DEFAMATORY STATEMENTS BUT NOT LIMITED TO HAS COMMITTED TAX FRAUD REMOVE ANY AND ALL INACCURACIES BUT NOT LIMITED TO IMMEDIATELY AS YOU ARE MONTHS PAST THE DEADLINE TO DO SO. 


THIS COMPANY RECEIVED 45 PAGES TO VERIFY AND RESPOND TO WHICH THEY REFUSED TO DO. 

THIS COMPANY HAS GIVEN MERE STATEMENTS OF BELIEF AND NOT FACT. 

THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW.

THIS COMPANY REFUSES TO FOLLOW SECTIONS 609 and 611 AS DOCUMENTED AND CONFIRMED AS RECEIVED OVER 45 TIMES THIS COMPANY CONTINUE HARASSING CALLS AND HAS FAILED TO FOLLOW CEASE AND DESIST THIS COMPANY HAS COMMITTED PERJURY UNDER OATH THIS COMPANY HAS COMMITTED BUT NOT LIMITED TO FRAUD NEGLIGENCE SLANDER WITH DEFAMATORY STATEMENTS THIS COMPANY HAS NEVER PROVIDED ANY LEGALLY COMPLIANT VERIFICATION AS REQUIRED AND STATED BY WAY OF 45 CERTIFIED CONFIRMED AS RECEIVED LETTERS. 

THIS COMPANY FILED A FRIVOLOUS LAWSUIT OVER ALLEGATIONS NEVER HAVING SPOKEN TO THE ALLEGED CONSUMER THIS COMPANY SPOKE WITH PERSONS OTHER THAN THE ALLEGED CONSUMER. 

THIS COMPANY CONTINUE THREATENING LEGAL COURSES OF ACTION OVER NON VERIFICATION. 

THIS COMPANY HAS FALSELY MISREPRESENTED THEMSELVES AND SHOULD NOT BE ALLOWED TO PRACTICE LAW FOR WILLFUL AND PURPOSED NEGLIGENCE USING ILLEGAL TACTICS AND NOT FOLLOWING THEIR ETHICAL DUTIES OF THE PROFESSION OF LAW AS IN THE CANDOR TO THE TRIBUNAL AND THE BUSINESS PROFESSIONNEL OATH TAKEN TO PRACTICE. THEY ARE GUILTY OF MALPRACTICE FOR ALL REASONS STATED BUT NOT LIMITED TO. 

AGAIN THEY REFUSED SERVICE FROM ALLEGED CONSUMER AS DOCUMENTED KNOWING THEY WERE IN THE WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
So Ive noticed that my credit file have incorrect information on it. I have contracted Experian over 8 times they declined to remover the last two. After removing none the first 6 times. I would like for you to assist me on removing this its hurting me. It was 6 bankruptcies reported to a social security number that does even match what they have on file for me. The public records that they got from XXXX Isnt even my information that Experian place on my file the last 4 digits of the social is wrong. I have notified them of this they still havent removed it. And I have wrote them multiple time they have yet to remove all of them. I just want you to help me with the whole removal process. I have wrote them letters and contact then via email and app.

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 2021-10-25
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/21 I spoke was a rep at the number of XXXX who took a payment from me in the amount of XXXX ( the payment has since then come out my account and also I was give a reference number via text XXXX. I received a call today from a XXXX from XXXX calling about the payment. When I tried to advise her that I made the payment and the payment already came out my acct. She basically called me a liar. I tried to give her the reference number & she again continue to talk over me. I ask her for the head number gave me a number of XXXX. I called that number and the rep said that she can open up a ticket. I called back and spoke with a XXXX who stated that she can file a complaint. No one was willing to listen to me nor find my payment. I have my bank statement were the money came out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Mailed the companies Wells Fargo and XXXX XXXX. To get the info on my credit report corrected and they just mailed me back saying that the information is correct and the info is still showing inaccuracy 's throughout my reports.

Well Fargo didnt validate the debt they just sent a application which doesnt apply to 15 U.S. Code 1692g.

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 2021-10-25
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I desperately need someone's help with getting the foreclosure auction on my mom 's home stopped!! I've been working for months to try and get the mortgage lender to approve a short sale. I have submitted every document required for the process, my mother 's death certificate, short sale application, an offer, probate documents, everything! And they refuse to review it. I do not want there to be a foreclosure on the public record, it is against what my mother would have wanted. I have tried to get someone to work with me to review the information that I have submitted and no one wants to assist me. The house is not worth nearly what Champion mortgage believes to be the value, and it is certainly not worth enough to pay off the loan in full. The home is dilapidated and the company is taking a huge risk going to auction because they will not get nearly what they are looking for. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Bread Financial Holdings, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: S.O.S. Loans, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company has continued to call me at work. I have told them multiple times that I can not take calls at work. The most recent call was by XXXX ( for the second time ) at XXXX on XX/XX/18. I told him previously this was not a good number and I can not take calls at work. He calls again and I say the same thing and he says " oh no this is a great number to call you at ''. He poses as a customer in order to be transferred to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: LA
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:
In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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 have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXXXXXX ) and the Creditors ( XXXX : {$7500.00}, XXXX : {$3100.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$610.00}, US Dept ED : {$4500.00} and {$3500.00}, FEDLOAN ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BAM Management US Holdings Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
in early 2021, I received an email from Binance.com tell me they were no longer supporting UNITED STATES based customers. I had XXXX staked ethereum on Binance, staked ethereum being called XXXX. 

I asked the Binance.com customer support team to provide safe and detailed instructions on how to move my XXXX off the platform Binance.com they did not provide anything to help. 

I was forced to move my assets to an unsecured platform where my assets were stolen. 

I am seeking reimbursement of XXXX ethereum

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased a lot with 2 houses on it in XX/XX/XXXX. The house that was built in XXXX had water running underneath it compromising the floor joist and creating XXXX XXXX. I tore it down on the XXXX of XXXX. The Mortgage company went into my escrow account and took XXXX for a home owners policy for a home that no longer exists. I have tried several times to get my money back they are refusing to comply. I have copies of front and back of the 2 checks I wrote on the 3rd for track how and dumpsters, I have documents from the county showing the reduction of tax. XXXX XXXX  shows one house. The other house is insured thru XXXX XXXX. They are really difficult, do not trust me in any way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a claim with chase about a transaction that occurred in my account due me being a vicitim of a fraud employer who got me to purchase gift cards at XXXX  {$600.00} after he made a false deposit in my credit account and the payment was later returned a week later and he did not return my calls or reimburse me for the {$600.00} purchase and I signed a work contract that he would pay me and did not so I made a claim with the bank that they purchase he made me do was for his benefit and scammed me. I did not get my claim approved and the funds have been removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report on both Experian and XXXX  i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Collection Details : Company : XXXX, XXXX XXXX. Date : XX/XX/2019 Amount : 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 2018-01-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is the 3rd CFPB complaint concerning Wells Fargo Mortgage.

They are denying that monthly payments have been made, for four months or longer each time, This began back in XX/XX/XXXX, and is still continuing. 
They are reporting to credit agencies that I am not making payments, which is impacting my credit score.  They have declined in past complaints to add an addendum to the agencies saying that the payments were made on time. 
My latest WF bill indicates that XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX payments have not been made. 
I pay by check at a local branch each month, and each check has cleared quickly. 
I am attaching copies of the checks and the receipts from the tellers. 

Because WF continues this practice, I will be making quarterly complaints to CFPB about payments not credited within a month 's 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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted copy of my dispute letters on XXXX company has failed to respond to my letters, complaints, or investigations

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 2020-04-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Several times in XXXX, XXXX, and XXXX, PNC has repeatedly changed the way they interface with XXXX, a third party that allows for ACH and money transfers. This has severely hampered me from moving or accessing money I have needed to pay bills or rent in a timely fashion. I have reached out to PNC regarding this, as well as XXXX  ( the third party used by XXXX, XXXX, XXXX XXXX  app, etc ). XXXX  is basically cut off by PNC and can not help me, and PNCs customer support is unwilling or unable to help me due to sudden changes they make on their end of their data algorithms, therefore making it unable to use third party banking services to transfer funds when I need them. Outages have gone on for months at a time sometimes. With this Covid situation here in the United States, it is imperative that I am able to transfer funds remotely, and PNC has effectively cut me off completely from being able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my current mortgage with SLS.net, the new lender XXXX XXXX paid off the balance due to SLS on XX/XX/2019, SLS is holding my extra payment to them since then. 

I have contacted them several times, they have said they would send out the check and they haven't, I called again, now they want me to wait another 30 business days. 

They are holding my funds and are playing games. 

I need the money back to make my payments. Its not right that they are holding my money for no apparent reason.

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