BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$15000.00}.

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 2022-02-08
Company: Experian Information Solutions Inc.
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:
There is an insane amount of errors on my credit report and you refuse to fix them or delete the account. pursuant to USC 1681 B you have an obligation to do right by thr consumer and you will not abide by the rules.

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 2020-09-19
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
a bank called Suntrust began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop 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 explanation
Consumer complaint received 2017-12-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried to lease a vehicle at my local XXXX dealership. Upon running my credit, they submitted my information to at least 6 loan companies. I had specifically told them i wanted to try only with XXXX financing. Now i have multiple inquiries which has made it difficult for me to acquire new credit due to the high number of inquiries.

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 2023-04-15
Company: EQUIFAX, INC.
State: IN
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 to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2018-04-09
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan depot has a email page with a STREAM LINE refinance they offer which are not existing. 

My credit report was pulled by deception. 

I was asked when my house was purchased XX/XX/XXXX. 

Agent XXXX stated he needed to run my credit report to verify qualification. 

Once pulled I was not eligible because my loan didnt originate before XX/XX/XXXX. 

This was known before by asking the purchase date of the home. 

I was given a horrible ARM offer when I was looking to STREAM line my XXXX XXXX property or go into a VA. 

This I see as deceptive and corrupt practices to obtain the most money off of the client for the company the agent works for ... most likely based on commission and bonuses Im sure. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-08
Company: CORELOGIC 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:
There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX Factual Data - date as of XXXX XXXX XXXX XXXX  - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/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 2023-09-09
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We have a escrow account from our insurance check the mortgage company who cashed the insurance check they will not send it back to us to get our home repairs done we already had repairs done and that ccompany is waiting to be paid but the mortgage company will not give us the money back to pay the roofing contractor after they completed the work all documents have been sent to newrezllc it's a nightmare dealing with this company we need to know if we should contact a lawyer at this point.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since I have had Bank Of America I have been having fraudulent activity non stop.

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 monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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'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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: CA
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:
I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from XXXX XXXX and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies XXXX had reported. What had once been a XXXX XXXX dealership was now a XXXX dealership and they effectively laughed at me and told me " good luck ''.

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 2023-09-07
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not owe debt they are saying that I owe I am a victim of identity theft. I have reached out to the agencies and have not received any information on debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Account information incorrect

Complaint:
account # XXXX is showing in my credit report with a balance of {$13000.00} and a limit of $ XXXX to the XXXX XXXX XXXX XXXX sincXXXX XXXX. While I did attend the university, I was not in school for the period shown, moreover all debts with the university were settled and had to be settled before I could receive my Diploma in XXXX. The phone number located in the credit report is a non working number, I tried reaching it for more than 3 months without success. This debt is showing only in Equifax and I would like it removed immediately. I have no debt with the XXXX XXXX XXXX XXXX. This debt is fraudulent Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They told me about the pandemic forbearance option and now we behind 11 months. My family was affected by the pandemic and we lost several family members because of that. Also, My husbands income stopped because of the pandemic. Now, we are back to work and ready to resume payment but out lender SPS refuse to work with us. They denied us for the deferral and the modification option and they want us to pay everything at once. Please, Help us!! is out only home. 

Loan : XXXX Property : XXXX XXXX XXXX XXXX CA XXXX Homeowners : XXXX XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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: Was not notified of investigation status or results

Complaint:
Ever since the state of Florida went on lockdown from the Corona Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the Consumer Finance department is getting overwhelmed with complaints. I have  waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.

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 2023-09-07
Company: Affirm Holdings, Inc
State: CO
Product: Credit reporting 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, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NC
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX  and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Credit Collection Services is innacurately reporting to the credit bureau in my name but when i called to try to resolve it because i dont what account this is they are refusing to assist

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Account status incorrect

Complaint:
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 explanation
Consumer complaint received 2023-05-26
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my loan is XXXX. PHH terminated my ACH agreement on XX/XX/2023, didn't notify me via with proper notification, and subsequently violated Reg E when they didn't complete the agreed upon ACH draft on XX/XX/2023. As a result of this violation, I was assessed a late fee of {$160.00}. 

Their notification was completed in electronic form only and uploaded to their internal portal. I did not receive a physical notice or any e-mail notifying me of a message in my portal that would indicate that my draft was cancelled. 

Upon realizing in late XXXX that my payment had not been drafted, I promptly made the payment, rescheduled Autopay, and requested a waiver of the late fee. They declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express continues breaking the FDCPA laws established for debt collection. With a balance around {$800.00} and a past due amount of {$38.00}, American Express called both my cell phone and home phone On a SUNDAY after the legal time frame of XXXX per FDCPA. This is the second week in a row that American Express has called past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 had fraud on my account on XX/XX/XXXX two separate charges of XXXX   from a financial services company and called to report it. I was told I would get a new card in 4 to 6 days and I never received it I called and tried to find out what happened they didnt update my address. ( wich I have them multiple times ). Repeated this process 3 more times and now here I am over 30 days later still with no card. They told me that since my pin was entered they had to charge the XXXX back to my account and said I was responsible to pay it. I was told they would credit me XXXX dollars back into the account for the inconvenience instead they took XXXX out of my account and said it was to cover fees that I was told was going to be waived. So basically someone stole money out of my account and they charged me for it. I had supervisors hang up on me and I have been threatened. I have names of the people I spoke too and I have saved on my phone all the days I called and they record every call. I have been lied to and thrown under the rug for a month and still have no resolution from capital one. She also confirmed that I was in my own words XXXX

Company response to consumer: Closed with monetary relief