BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
I had a XXXX debt in collections from XXXX XXXX XXXX ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from Experian. As of XX/XX/XXXX all paid XXXXl debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not Experian. I submitted a dispute with Experian which was resolved without removing the collection from my account. I then called Experian and was told that they can not remove this despite guidelines from all three CEOs of ExperianXXXX, and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid XXXX collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of XXXX collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my Experian account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.

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 2023-01-10
Company: KLS Financial Services, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX was the first due date for my medical bill, but it seemed like XXXX XXXX in XXXX XXXX was charging way too much, so I called them to ask for an itemized bill. I had to call them multiple times to try to get an itemized bill with billing codes. During this time, they told me to disregard any due dates until they resolved the matter. I received a bill with billing codes, and they were charging me for an extended visit of XXXX hours when I was only able to see the nurse and doctor for less than 10 minutes before they told me that I would need to go to the ER. On XX/XX/XXXX, I received a collection notice from KLS Financial Services , Inc. for the bill that I was disputing. On the same day, I called XXXX XXXX about the collection letter and they said that they would send the matter to management to try to get a resolution. On XX/XX/XXXX, I called XXXX XXXX again to see if they had resolved the matter, which they had not, so they said they would send it back up to management with a note that I had called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Rocket Mortgage, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I utilized Rocket Mortgage to obtain financing for a property in XXXX, OH. First contact was on XX/XX/2021. In the middle of closing, a " resolution expert '' reached out to inform me they were unable to secure an XXXX and recommended I find a different mortgage company. My XXXX and I both asked about offering a premium but agent stated they still recommended utilizing a different lender. Even though the extra premium would have been charged to me, they still recommended I utilize a different lender. Part of his email " ... since we utilized all of our resources to find an XXXX and couldn't get anyone to accept the order, that's why we wanted to reach out as soon as we could to let you know. '' Unsure why they didn't disclose this during the signing process, that they have difficulty in some markets obtaining an appraisal which will cause them to basically cancel the financing and delay or destroy the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NATIONSTAR IS ENGAGED IN SYSTEMATIC ILLEGAL ACTIVITY AND CONSUMER FRAUD. THEY HAVE CONFIRMED THIS LOAN WAS FRAUDULENT, THEY HAVE CONFIRMED ESCROW FRAUD HAS OCCURRED, AND INSTEAD OF HELPING, THEY ADDED THEIR OWN FRAUD WHICH WAS UPLOADED FOR PERMANENT PUBLIC RECORD AND FOR MY RETRIEVAL FOR THE LAWSUIT WE WILL BE FILING AGAINST INDIVIDUALS AND CORP ... .. WE HAVE CONFIRMED LOAN DISCLOSURE /ORIGINATION FRAUD, A COPY IS PROVIDED ) .WE HAVE CONFIRMED LOAN SERVICING/ ESCROW FRAUD. ( A  COPY IS PROIVIDED ). BOTH COPIES CAME FROM NATIONSTAR ... .THEY ARE FULLY AWARE AND VERY VERY COMFORTABLE WITH CRIME AND FRAUD ... .IN ADDITION, WHILE WE TRIED TO RESOLVE THIS, WE REQUESTED PMI INSURANCE/FEES BE REMOVED, ALSO OUR LEGAL RIGHT, AND THEY HAVE REFUSED TO DO THIS FOR WELL OVER A YEAR, COLLECTING PRINCIPAL WITHOUT PROPER CREDIT. WE ARE WELL OVER 50 % EQUITY AND STILL PAYTING PMI TO THESE DISHONEST SCUMBAGS. IN ADDITION, BECAUSE I UPLOADED EVIDENCE TO CFPB, THEY HAVE BLOCKED OUR EMAIL ADDRESS AND WE ARE BEING DISCRIMNATED AGAINST, UNABLE TO ASK ANY QUESTIONS VIA EMAIL, YET ANOTHER FORM OF ABUSE, PREDATORY LENDING AND FRAUD IN ADDITION TO VIOLATING BOTH OUR CONSUMER AND CIVIL RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: LD Holdings Group, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An unauthorized inquiry from XXXX/Loandepot.com was found on my credit reports. I didn't provide written or verbal authorization for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: ACOPIA CAPITAL GROUP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize any written or verbal authorization to ascertain an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My mom opened a XXXX account in my name years ago she passed away and their is a derragotary mark on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-15
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On X/XX/17 I received a phone call from a man, who said his name was XXXX. He demanded that I provide my personally identifying information to him but refused to tell what the call was in regards to. I advised him that I would not provide that information to a stranger on the phone. He said that he was calling me from Clark County Collection Services but continued to refuse to tell me what the matter was in regards. I told him that he was required to send me something in writing. He claimed that he did something and I told him that I never received it and that he needs to send it again. He refused and continued to try and ask for my information. He then proceeded to tell me to come to his office in person while still refusing to provide anything writing. I told him I was not going to his office and I wanted something in writing. He hung up on me. I sent the company an email and let them know that I was filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: WELLS FARGO & COMPANY
State: MS
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:
I reported two months ago. They still made incurred balance on account. I call them and they would no talk to me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I contacted Experian about the following inquiries XXXX XXXX XXXX ( Inquiry on XXXX XXXX XXXX ), XXXX XXXX OF XXXX XXXX XXXX on XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XXXX of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of XXXX : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two outstanding debts through XXXX contracting svc ( {$900.00} & {$1200.00} ). One of them has been double reported ( {$1200.00} ). It shows the same debt twice on my credit report. Original date of XX/XX/XXXX. I have disputed it multiple times through XXXX XXXX with no luck of having one of them taken off to reflect that it is only one account owed for that amount. 

In addition to that issue, on my credit report the date referenced does not reflect the actual date of the debt. The amounts are {$1200.00} from XX/XX/XXXX, and {$900.00} from XX/XX/XXXX. On XXXX and XXXX it shows XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
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:
XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. 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 2023-05-10
Company: EQUIFAX, INC.
State: NY
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to XXXX and Transunion to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship

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 2020-11-24
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. SEQUIUM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: NJ
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 feel Experian is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.

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 2019-02-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were unauthorized transactions worth of XXXX grand and I was only notified once by the bank and their fraud department upon calling and speaking with the fraud department at TD Bank they said my card and account would be completely closed until the dispute was finalized. My dispute was denied because I was informed it was pin based meaning the suspect used my pin and account info along with personal information to do money orders. As soon as I found out I put a fraud alert on my accounts and attempted to reach out to the local police as well as making a complaint with the FTC. Now the bank is saying my account will go to collections and I have to pay them back XXXX grand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
I XXXX XXXX entered into a consumer credit transaction with Capital One Bank USA NA on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Capital One Bank USA NA then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from Equifax, XXXX and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, XXXX and TransUnion to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.

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 2023-05-18
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company, Goldman Sachs acting through Apple Savings, allowed me to add two external bank accounts for withdrawing funds. They stated that it would take 1-3 business days to process external transfers. I requested transfers on Monday, XXXX. When no cash had shown up by Wednesday, XX/XX/XXXX, I called customer service and was informed that it was actually 1-5 business days ( not advertised conspicuously anywhere in their customer facing interact ). When no cash had arrived by Friday, XX/XX/XXXX, I called in and was told that the transfers had actually cleared and that I would see the funds on the next business day. When no cash arrived on Monday, XX/XX/XXXX, I called in and was informed that the transfers had been processed and I should see them the next business day. When no cash arrived on Tuesday, XX/XX/XXXX, I called in and was informed that ( i ) regarding the first account that I attempted transferred money to, the account had yet to be verified and ( ii ) with respect to the second account I had attempted to transfer money to the transfer had been flagged as suspicious and was under review until XX/XX/XXXX, when it was cleared and would be available in 1-3 business days. It is Thursday XX/XX/XXXX, 9 business days after the transfer request, and I still have not received my funds.

Company response to consumer: Closed with non-monetary relief