BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
You closed complaint # XXXX in error. I do not think you understood my issue. 

XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT credited me for items I returned in XX/XX/XXXX & XX/XX/XXXX. The list the returns in my account activity history, BUT it does NOT decrease your balance. 

From : XXXX XXXXSent : Wednesday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

I apologize for the confusion and frustration you have experienced with your XXXX XXXX   account. I have taken the time to review your previous messages as well as your account to assist with your inquiry. You are concerned that your balance and available credit are not reflecting accurately due to pending transactions. 

After reviewing your account, I see there are 13 returns totaling {$270.00} that are pending transactions. Our records indicate that 7 of the 13 pending transaction will post to the account on XX/XX/2018. of the remaining 6 transactions, 1 will post on XX/XX/2018, and the remaining 5 will post on XX/XX/2018. We are unable to change the posting time as this is indicated by Simply Be. For more information regarding the posting timeframe for these returns, please contact XXXX XXXX at XXXX. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 

Sincerely, XXXX XXXX Internet Customer Care Team MIND YOU I AM BEING BILLED FOR INTEREST ON AN INFLATED/INCORRECT BALANCE AND MY MONTHLY BILL IS ALSO BASED ON AN INFLATED/INCORRECT BALANCE. AND AS YOU CAN SEE IN THE EMAIL 7 OF THE UNPOSTED CREDITS WERE SUPPOSED TO POST ON XX/XX/18, THEY HAVE NOT. IF THEY WOULD PROPERLY POST MY CREDIT, THIS ACCOUNT WOULD BE ALMOST PAID OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be XXXX months with no response.

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 2017-12-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Mortgage Has yet to provide me proof to the on going issues with California All purpose Certificate of acknowledgment. It seems I ask for one thing to be answered and they send documents or some solution that has nothing to do with the issue of a Forged Document that makes the loan legally binding by the instrument to the Deed of Trust. 

I have requested to why some one forged my name or said I appeared before them when I did not nor had any knowledge of the document. I was never informed nor sign nor agreed for Wells Fargo Mortgage/ Notary to act on my behalf to power of attorney or correcting any documents. 

Notary can not notarize His/her own witness signature to execution of documents require both signer and witness personally appeared before the notary where the document is to be sign. 

Signer must be physically present face to face. I did not appear nor sign a California All Purpose Certificate of Acknowledgment as it states on the document. 

Wells Fargo Mortgage not ever informed me to no such document nor did they ever present it to me. If so why would the notary sign as me and say I appeared before her. 

Wells Fargo Mortgage/Notary took it on there behalf to act on my part to make the Instrument being the deed of trust a legal binding contract with out my permission and nor did I give any anyone power of attorney to correct or act for me with out informing me to making the loan legal. 

Wells Fargo Mortgage solutions department does not address this direct issue and there is nothing discuss to the matter of this when requested. It is always the run around to the issue at hand to the document to make the instrument/Deed of trust a legal binding contract The lady name XXXX never address the issue at hand its always the run around with the problem to one fact not a bunch of botch up documents that has nothing to do with the issue at hand. 

Nothing has been solved nor agreed upon by me with with Wells Fargo Mortgage XXXXommitting FRAUD FRAUD I 'm very aware of Wells Fargo Mortgage committing fraud threw out there loan documents and other various practices that Wells Fargo Mortgage does not want to address the issue.

Document is attach that is the issue with no explanation by Wells Fargo Mortgage

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 2022-12-13
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax on XX/XX/XXXX and disputed inaccuracy like wrong names, employers, wrong addresses and unauthorized hard inquires ( below ) be removed from my credit file. I am requesting assistance to get the unauthorized inquiries below remove ASAP. I am starting to feel like they are retaliating against me because I filed a CFPB complaints against them XXXX months ago. They have me blocked from access my credit profile online. 

XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2019-06-26
Company: Experian Information Solutions 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:
I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$540.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00}

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 2020-10-25
Company: Goal Structured Solutions, LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a student loan with the XXXX XXXX of Philadelphia. This school no longer exist and they have a pending lawsuit for fraudulent transactions. My mom and I did not know that we signed for private student loans and this has been a disaster. The lender I use to have that serviced the loan was XXXX XXXX XXXX and now the loan was sold to another company called Launch Servicing. I was able to go on an income based plan with the old lender, which was helpful. This new company Launch Servicing refuses to put my me on a income based plan when I specifically told them I can not afford the payments. Ive asked them if I can reach the lender directly to work something out, and they refuse to give me the number. They said the lender doesnt offer any other plan besides interest only plans. This is a tough time and I cant understand why I have to pay for a loan with a school that is now closed for fraud. There should be a better option for me to make my payments.

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 2021-10-18
Company: MoneyLion Inc.
State: PA
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express offers referral bonus of XXXX miles for every person who opens an account with that referral link. I opened an account with a friend 's referral link and due to a website error, they didn't get the bonus. Attempts to get this remedied were met with them saying it wasn't possible and that it was my fault. They are unwilling to credit the referrer 's account with the promised reward and simply transfer me to another department or hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I never opened these fraudulent accounts or even heard of most of them. They keep being reported as accurate when they so are not.

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 2023-02-28
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-14
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection company named Firstsource has bought a debt from a Credit Card company named XXXX XXXX. I informed XXXX XXXX previously that this is not my debt. The amount stated I owed was {$1000.00}. I requested several times from XXXX XXXX to show me proof this was my debt, as I had never had a contract with them or entered into any agreement. I informed them I never enter into a contract without signing my wet-ink signature on a document in agreement of such terms. 

This being said, I never opened an account with XXXX XXXX, and XXXX XXXX never showed me proof to the contrary. Now, they have turned over this debt to XXXX XXXX XXXX to collect the debt, which again, I do not owe and never had a relevant account. 

This complaint is about XXXX XXXX, but I thought an explanation was needed to describe how this entity became involved in an unfounded debt. When Firstsource first sent me notification this debt was turned over to them to collect, I immediately replied to what I have stated here ( first paragraph ), that I never opened an account with XXXX XXXX and do not owe any debt, and demanding Firstsource present to me what I asked of XXXX XXXX, a written wet-ink-signed document memorializing my agreement to such a contract ab initio. 

Firstsource replied recently nonresponsive to my first complaint and demand of proof of this alleged debt. They have reduced the amount to {$510.00}, but I owe {$0.00}. This company must cease this correspondence unless they have what I am asking for, a written contract with my signature thereon verifying this agreement exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I was working with AmeriSave to refinance my home and worked with XXXX XXXX. We went through the entire process and was told that if the refinance did not work out or we decided not to proceed we would get a refund of our {$500.00}. I have all the texts and when we started the process we were told we should try again in XXXX. Now that XXXX is her my husband and I decided this just isnt working out for us and would like our refund. XXXX had called me when I reached out and told me he no longer works there and gave me his bosses number/email at AmeriSave XXXX XXXX XXXX to request my refund. I have made multipule attempts to reach out with no response. I made this payment on my XXXX XXXX credit card on XXXX XXXX. I am just asking for a refund as I was told it was refundable due to being a refural.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, Attached you will find a Qualified Written Request, Complaint and Validation of Debt Letter and Truth in Lending ( TILA ), RESPA Request I sent Shellpoint Mortgage Servicing on XX/XX/2020, served certified mail. 

There have been numerous instruments and documents recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX, at the XXXX XXXX County Recorders Officewithout my consent, from many Entities unknown to me. As of today I have not received a response back from Shellpoint to my demand letter. I hope now that I'm reporting this complaint to you, CFPB, Shellpoint will come with clean hands and provide documented proof to validate the alleged debt and to answer to the QWR, TILA and Debt Validation from someone with first hand knowledge, authority and under penalty of perjury. 

respectfully, XXXX XXXX XXXX XXXX POA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: AL
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:
The credit bureau is reporting inaccurate information to my report. I have contacted them numerous times to update incorrect information and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Mr. Cooper Group Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/20 Mr. Cooper, my mortgage company spoofed my works phone number to get me to answer the phone. My employer is XXXXXXXX XXXX XXXX XXXXXXXX which is a governmental agency. I am a state employee. From what I have read this is illegal. I let the person who called me know they just spoofed my employer. I also let them know I was told not to make this months payment because it is an FHA streamline and you bring the current months payment to the closing. All XXXX and XXXX numbers belong to the XXXX  XXXX XXXX. They called me from XXXX. 

I am in the middle of a refinance with Mr. Cooper which closed on XX/XX/20. I told them to stop calling me. They called all weekend with spam calls that I didnt answer. Mr. Cooper called again this morning on XX/XX/20 5 days after the closing of the refinance of my mortgage. They asked when I would make a payment. I asked them to check the notes on my account at which point the person said oh yeah, I see a refinance code on your account. I dont see why they have is call refinance accounts. I let her know the spoofing that happened on the previous call and that her call came up as Spam risk and her company is spoofing numbers She said they used to call from their number, but people dont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Sequium Asset Solutions, LLC
State: MD
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 switched mobile service providers in XX/XX/XXXX from XXXX XXXX XXXX to XXXX. XXXX advertised they would pay off my final bill. XXXX  XXXX XXXX said they never got payment yet XXXX said they did. I informed XXXX XXXX XXXX of this on XX/XX/XXXX. I heard nothing else from XXXX XXXX XXXX until XX/XX/XXXX when Sequim appeared on my credit report, no notice sent prior to being placed on my credit report. I asked them to validate the debt. They did and I paid {$30.00} more than the oringal debt of {$95.00} for {$120.00} on XX/XX/XXXX. When I paid the debt I asked the collection be removed from my credit report. Sequim stated only XXXX XXXX XXXX  could do that. I contacted XXXX XXXX XXXX  for the removal they have stated that Sequim is the one that placed it there and they need to remove it as it is satisfied. I called Sequim again on XXXX and they again gave me the XXXX XXXX XXXX story and then I informed them that was false and they said I was a liar. The agreement was to delete this from my XXXX  and XXXX  credit reports as this is not reporting on my XXXX report. THey have not kept up their end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation