BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
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:
Hello, I am very sad and stressed out, as I keep writing to you regarding my problem already for a long time. The account reported is not mine, only one bureau keeps reporting this error, what else I need to do in order to make you to pay attention to my problem and remove this finally. I already applied so many reports that I am shocked how come until today I am that much ignored. This item is not mine, I do not want to see this in my own credit report. Why EQUIFAX keeps ignoring my problem? This is a mistake and Identity theft issue, why I am ignored? Please remove it finally because I do not know whom else to write about my problem. Please I kindly ask you to take appropriate actions finally and help me. This is my credit report and my face you know, I can not apply for mortgage because of this and my family is waiting for sooner resolution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage lender is Shellpoint Mortgage. Shellpoint administers an escrow account on my behalf through which real estate taxes are paid.

I am refinancing my home mortgage through a new lender.

I contacted Shellpoint before refinancing to confirm that I could request suspension of real estate tax payments through Shellpoint 's escrow because my new lender would be assuming responsibility for these payments going forward.

Shellpoint representatives confirmed that real estate taxes could be suspended in the manner I requested.

I completed the refinance transaction and my new lender was to pay real estate taxes going forward.

After I completed the refinance paperwork, I was informed by Shellpoint that Shellpoint 's real estate tax payment through the escrow account could not be suspended.

This contradicted previous representations by Shellpoint.

The reason given by Shellpoint for not suspending real estate payments was that Shellpoint works with a third-party escrow administrator. No explanation was provided as to why Shellpoint could not work with the third-party administrator to request suspension of the tax payment.

I spoke to Shellpoint representatives several times after being informed that Shellpoint could not suspend real estate payments. I was told by phone representatives several times that real estate payments could in fact be suspended. I was also told that a " lock '' or " freeze '' had been placed on the account that would suspend the payment.

Shellpoint made the real estate tax payment despite their representations that it would not. I spent several hours on the phone clarifying these issues and the end result was contrary to my initial request.

In addition, once it was determined that both Shellpoint and my new lender had made payments on my real estate taxes, Shellpoint did not provide clear directions or sufficient documentation for me to request a refund on the duplicate tax payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: IL
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Called the mortgage lender of my choice. Acquired preapproval for a mortgage. 

In the process, the lender checked my credit report. 

The next day I received not less than 15 unsolicited calls from mortgage lenders letting me know that the credit bureau had informed them that I was in the market for a mortgage loan. I asked which one several times and was told Experian. 

I never asked for mortgage offers. I have already secured the lender of my choice. I find it ridiculous that Experian would sell my info as a lead to multiple lending agencies without my consent ... inclusive of my PII and cellphone number! This should be illegal.

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 2018-03-05
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I signed up through https : //www.sofi.comXXXX to refinance XXXX {$30000.00} in student loans with a promotional offer of XXXX XXXX point for every {$2.00} refinanced. I even called in after to confirm that I was enrolled. Upon having the loan funded, as expected I reached the screen where I entered my XXXX account information. 

Thinking I was all set, I waited about a month for the points to get deposited in my account before contacting SoFi. I got a canned response " We can not apply a new link after it has been 30 days since your original loan funded. The system locks out the manual adjustment option after the 30 day time period. '' Attempts to escalate this internally got nowhere. 

I would not have chosen SoFi if it did not have this offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I accidentally used the wrong wire information for an outgoing wire for {$5900.00} FROM Coinbase TO my XXXX account. Sent on XX/XX/XXXX, reference number XXXX Please pull back that wire. I tried asking Coinbase several times already. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: GA
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:
Someone opened credit card accounts with my information. Identity theft

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2018-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I lost a bid on an item on XXXX. Seller reached out to me via email stating that the winning bidder pulled out and he had the item available, I was the previous highest bidder. We moved off of XXXX   to continue conversation. Spoke to each other onXX/XX/XXXX, on the phone and discussed purchase outside of XXXX. That should have been my first big red flag. Paid in increments based off of " proof of shipped goods. '' 2 XXXX XXXX for a total of {$3800.00} XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$500.00} USAA to XXXX XXXX via XXXX XXXX ( disputed and reversed ) XX/XX/XXXX- {$500.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$200.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$600.00} USAA to XXXX XXXX via XXXX  Seller claimed to have shipped the computers twice. First time he could not give me a tracking number but the second time he did, it was never scanned in by USPS. Seller claimed that when he went to the post office they hadn't loaded it after 3 days and he picked it back up. Seller offered to fly it out with the final payment. Supposedly the seller flew to XXXX  and was still unable to make good on his promise.

I contacted USAA and they said they could not help me and sent me to XXXX. XXXX  said they could not help me and that I needed to file a police report/complaint. I filed a police report and the police told me they couldn't help me that I needed to go to the FBI. I filed the FBI complaint and never heard anything back. This has now been going on for 2 months and I still do not have a refund, I have excuses and empty promises from the seller, and this is my final attempt to get my money back and press charges against XXXX XXXX  of XXXX, GA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: AES/PHEAA
State: KS
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:
I have made 44 qualifying public service loan forgiveness payments. However, XXXX XXXX is only qualifying 25 payments because they say a. ) I was not employed from XX/XX/2015 until XX/XX/2015 when I was and have submitted that evidence and b. ) I was in " paid ahead '' status and did not apply my extra payment to principle so they could disqualify my payments for the last several months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: CORELOGIC INC
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 have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.

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 2020-12-02
Company: EQUIFAX, INC.
State: NJ
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 reported identity theft due to a collection on my reports previously and it was removed from XXXX  and Equifax, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am filing this complaint against the XXXX  credit reporting agency and XXXX XXXX XXXX regarding an erroneous collections account listed with Fidelity on behalf of my previous apartment leasing company. They are attempting to collect rent for months that I have proven I was not living at the apartment, and I also gave ample notice to the landlord that I was going to be moving out of the property. 

I first gave notice to the landlord in XX/XX/XXXX, and then again in XX/XX/XXXX. I had completely moved from the property and was at my new residence by XX/XX/XXXX. The leasing company is trying to say that I was " under contract '' through XX/XX/XXXX, but Ohio courts consistently rule that the landlord has a duty to mitigate and find a new tenant whenever a previous tenant moves out of the property. Even in cases where the tenant vacates only a few months after their initial move-in date, and then only gave as little as three days notice to vacate, the courts still rule with the tenant as long as they have removed all of their belongings from the apartment and are no longer residing there. In my case I had been living at the property since XX/XX/XXXX and first gave notice in XX/XX/XXXX that I was going to be moving out, with another written notice by US Certified Mail in XXXX of XXXX. Since I still had my {$400.00} security deposit on file with the leasing company and had not received it back, I was paid through most of the month of XX/XX/XXXX since the monthly rent amount was {$460.00}. It could even be argued that they still owe me a portion of this security deposit since I had all of my belongings removed by XX/XX/XXXX. In addition, the property is located in a well populated suburb of XXXX where the landlord would have no problem finding a new tenant if they had put forth any kind of reasonable effort to do so. 

I have attached several documents to this complaint asserting that I had indeed moved out by the beginning of XX/XX/XXXX and had given notice that I was doing so. I have also attached supporting court documents showing that I, the tenant, am indeed not liable for any rent after that point. I appreciate any help you can provide me on this since I have presented this info to both XXXX  and Fidelity requesting them to remove the collections account from my credit report and they have thus far been uncooperative in doing so. Thank you and have a nice day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XX/XX/XXXX I had a chance to review my Transunion credit report via XXXX XXXX.On it I noticed an error. I saw that I had a XXXX account on my credit report in which I do but it is not the right account infromation that is on my actually XXXX bill. I disputed several times by certified mail due to this incident and sent it to Transunion. Tranunions says its right then says that XXXX has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called Transunion and XXXX to correct the account information. My XXXX account number is XXXX. Yet the XXXX account still remains.

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 2020-05-18
Company: EQUIFAX, INC.
State: WY
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: GA
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 believe that the accounts on my credit report are not mine, they should not be a part of my credit file. The information is being reported incorrectly.

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 2020-08-31
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.

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 2018-03-30
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:
i called XXXX and Experian and spoke to a representative in regards to the 15 inquiries on my report that don't belong to me. I made it clear i did not authorized any of these inquires.The following accounts wasn't made by me and i want them to be removed. I dont understand how i have a fraud alert on my credit report but you guys cant make the necessary measures to make sure im making these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ( why in the world will i apply for a card every month ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 2020-12-02
Company: Exeter Finance Corp.
State: SC
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:
To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by Exeter Finance LLC. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to Exeter finance when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like Exeter finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX XXXX XXXX VIN : XXXX

Company response to consumer: Closed with explanation