BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 I sent a debt validation letter to Blitt and Gaines, P.C located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mo XXXX. Phone number : ( XXXX ) XXXX TTY : XXXX. They have failed to respond but continue to pursue me in court. I then mentioned in court that they have not complied with the FDCPA. Their response was that their debt collection firm doesn't have to observe this law. On XX/XX/2023 I sent another debt validation letter via email to Blitt and Gaines, but they've fail to respond once more. Blitt and Gaines continue to pursue me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
State: MI
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:
There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.

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 2019-12-23
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, My name is XXXX XXXX and I'm hoping I can get an answer to the following : I refinanced my mortgage on XX/XX/XXXX through my lender XXXX XXXX. XXXX XXXX XXXX represented me as the title company. The issue that I'm having is the following : When I refinanced my property one year ago to buy out my brother in-law 's portion of the home in XX/XX/XXXX, my prior lender Roundpoint recorded a satisfaction of mortgage along with an assignment of mortgage to XXXX XXXX. Due to the satisfaction recording error on Rounpoint 's part, I was not approved for a CEMA process this time around. I postponed my closing to allow the different parties time to resolve this issue ; however due to timing I had to finalize my refinance since my interest rate lock was expiring and therefore closed on XX/XX/XXXX. This resulted in XXXX mortgage tax to amount to {$13000.00} ( 1.92 % on entire mortgage amount ) as if I have taken a new mortgage. I reached out to Roundpoint after the closing and they opened up case to investigate the recording error. They acknowledged that this was the case and therefore went back to rerecord ( rescission of satisfaction of mortgage ) on XXXX XXXX. As I understand from an advocate contact at Roundpoint ( XXXX XXXX XXXX ) and multiple emails going back and forth, Roundpoint and XXXX XXXX along with XXXX   XXXX XXXX were going to redraft the documents as a CEMA   process rather than a new loan. After final review, my current lender and settlement attorneys mentioned that bottom line the rescission of " satisfaction of mortgage '' by Roundpoint made no difference whatsoever even if I wanted to have the CEMA process ( since this error would have nullify everything ) I know this sounds like a lot to process ; however, bottom line is that I should not have incurred the {$13000.00} and it should have been around {$260.00} instead. 

Please reach out to me via email response or via cell at XXXX or via e-mail XXXX Your response to this matter is greatly appreciated! 



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 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was going to contact the 3 crediting reporting agencies but read the credit reports does not provide the score.I would like the credit score and all information pertinent 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 2021-01-31
Company: Experian Information Solutions Inc.
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:
After challenging Experian on a inaccurate inquiry i do not recognize back in XXXX, of 2020. 

Inquiry : XXXXXXXX XXXX XXXXXXXX, i do not recognize this creditor. The company has not provided or extended any credit line or loan. as a result this inquiry has no permissible cause to report this account. Which violates federal law.

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 2023-01-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2019-12-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This started in XX/XX/XXXX. We are trying to get a charge off letter that Wells Fargo issued in XXXX of XXXX. Wells Fargo put this loan on our credit report and we were working with XXXX XXXX and they said our credit had dropped, so we couldn't refinance to get rid of Wells Fargo.

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 2021-12-16
Company: Chime Financial Inc
State: FL
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 trusted CHIME banking with my money and as a horrible company that they are they allowed someone within the company XXXX every single dollar that I had worked hard for and was depositing to my so I thought secure checking account. Around XX/XX/2021 I realized that someone stole XXXX from my account and chime the minute I did a dispute, didnt even allow 24 hours of a supposedly investigation to happen and denied my dispute with statements saying that basically as the consumer I was a liar. They do not provide actual investigation facts and try to rob people from their hard working money! I am disgusted by this company and need help to get my money back ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: MA
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:
Hi CFPB, With all do respect Experian Credit Bureau is failing to increase my scorce with my payments on my cards. I think because I had a membership XXXX membership that included all three credit bureaus that they are just making my scorce fluid and not including my paying off cards or close to that. Anotherwords they are not increasing the score as a formula of abuse and exploitation so that I get the membership again and make me feel badly. This is Elder abuse and they need to fix this. I also asked for my freeze to be lifted which was on XX/XX/2019 and then again on XX/XX/2019 and quess what it has not be lifed. No pin numbers that are suppose get mailed are ever mailed. XXXX did that twice at Experian and XXXX XXXX was requested to do the same. I pay off cards and they did not increase the score from 3 months ago. 
They either make mistakes or are full of it. I will sue these persons ... .Something else is wrong. I think it is because I realized they are PHISHING FOR consumers pin numbers to breach their bank accounts. They are using personnel who do this which results in what happened with XXXX. I can not access my accounts because I am not a member. Please stop Experian and XXXX XXXX from this kind of abuse and exploitation.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: GA
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 AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Experian with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX. XXXX, XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Experian removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Experain received all documents and supporting evidence of my complaint through the mail on XX/XX/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 2020-01-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were handled through XXXX until I submitted the request for public student loan forgiveness for social workers in XXXX. In summer XXXX, my loans were transferred to FedLoan Servicing. At that time, they informed me that they will need a few months to sort out my number of payments from XXXX to give me an accurate number of student loan payments made toward the required XXXX. After a few months, I contacted them again and each person I spoke to did not give me any information, stating it was still under investigation. Finally after they were investigating for a year ( so in summer XXXX ) I was adamant for answers and was told it was not counting my loans from all the years prior because I was delinquent in my XXXX loans supposedly and behind on payments. Obviously I panicked because I was never behind ever so I contacted XXXX who sent me documents proving I was not behind on payments ever and I sent them to FedLoan. However, they still refuse to give me additional information, still refuse to count my years of payments toward the loan forgiveness, and overall are poor at communicating and helping. They claim that I made only 10 payments when I have made payments every month since XX/XX/XXXX, meaning at least 48 payments. They are taking advantage of people and their privilege to be the company designated for student loan forgiveness programs and Ive had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing my credit report I have notice this third party agency is listed on my credit report. I have not signed a contract with this agency nor have I given them any permissible written instructions to furnish an account for me, this account is in fact fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NY
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 am writing because I have submitted multiple request to XXXX, Equifax, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing has not been providing accurate invoicing information, to reflect current payments that are made. Furthermore, when lump sums of payments have been made, Fay Servicing has held the money in suspend, providing invoices with higher outstanding balances and incurring additional interest. Since one of the parties on the mortgage is in bankruptcy, Fay Servicing has restricted the other borrower from platform access which does not provide transparency to the account. Statements are not routinely forwarded to reflect real time payments, representatives are unable to read account and provide and provide accurate information to the loan holders regarding fees, balances and current payments due. Inaccurate information is shared by Fay Services to their attorneys which is not timely shared with our attorney. Due to their inability to share accurate and transparent information, additional attorney fees are incurred on the account causing compounded hardship on the loan holders. Loan holders are requesting access to the account platform in order to review information real time and an account representative that can provide accurate information on the account. Fay Servicing is taking advantage of the XXXX community and XXXX XXXX community that is not able to maintain their accounts in good standing as they hold money in suspend and send delayed and false billing statements which are not provided within a continuous 30 day cycle. On XX/XX/23, a court hearing was held due to Fay Servicing claiming lack of payment. The attorneys representing Fay Servicing did not have factual information to address at the time of hearing. 
XXXX XXXX order that both attorneys meet to discuss case. We were never informed in writing of this court date or future court dates. Lastly, a modification was granted a few years ago, and now our mortgage increase substantially every year. How was this modification beneficial to us when we are simply paying this company more interest and little being applied to the principal of the loan? To date, XX/XX/23, I am yet to receive an updated invoice from Fay Services reflecting the payments made to current month.

Investigation into this fraudulent activity is being requested. See attached correspondence between attorneys and statements enclosed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: GA
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:
I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, Equifax and XXXX has violated my right by allowing these transactions to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: LA
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:
I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : 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 XXXXXXXX co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: TX
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/2021 I SUBMITTED A LETTER TO XXXX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....

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