BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NV
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 am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  XXXX via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX XXXX requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.

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 2018-02-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: WI
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:
While looking at my credit reports last week I found that the Equifax report showed a hard inquiry from XXXX XXXX dated XX/XX/XXXX. I found this to be a mistake because I have never been a XXXX customer nor have I ever asked for rates or services from them. I then made a 'my Equifax ' profile so that I could dispute this inquiry with Equifax directly. I made the dispute online as I was not able to get through on the phone. The online format does not allow for any type of explanation as to the reason for the dispute but I followed the prompts and selected that this inquiry was " not mine ''. I filed this dispute with Equifax on XX/XX/XXXX. I received a fairly prompt response that stated that " the inquires are a factual record of file access ''. Now, I have a negative remark on my report and my Equifax credit score dropped a few points after their investigation showed that the inquiry was " factual ''. I was told in the decision that my best option was to contact the creditor ( XXXX ) directly. 
Today I spent several hours on the phone with XXXX. As I had expected, they have absolutely no accounts, past or present, in my name. I asked if they could send a letter to Equifax to explain this and remove the inquiry from my report. Their fraud prevention specialist told me that without having an actual account, they could not send a letter to Equifax explaining this because their letter requires the person to have an actual XXXX account. Since I have never had an account, I was told that there was nothing they could do. The fraud prevention specialist also told me that the only way this scenario could happen is if someone fraudulently attempted to set up an account in my name but was unsuccessful. This happens when a person attempts to set up an account and the XXXX team in unable to authenticate or verify the individual, yet in the mean time, a credit inquiry is made in the process. Unfortunately for me, the credit inquiry was made under my name even though I was not the person attempting to set up an account. I pride myself on working hard, managing my fiances and having a solid credit score. This hard inquiry does not belong to me, yet I am stuck with it on my Equifax report. Additionally, as a result of the dispute, I show a negative remark on my report and a ding on my score with Equifax. 
After trying to resolve this mistake on my report with both the credit bureau ( Equifax ) and the creditor ( XXXX XXXX ) I have been unsuccessful in attaining resolution. I now turn to my final resort, the CFPB, the please help remove this inquiry from my report which does not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, 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:
I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and TD Bank USA/Targetcred. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Home Point Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Until end of year 2020 I have always received a check made out to me and the City Treasurer for real estate taxes from my escrow account. I did not receive a check in XX/XX/2020. Upon contacting the mortgage company I was informed, on two occasions, that a check was sent directly to the city. That's very unusual. In fact, a rep from company said it was sent to the city because the city sent them an invoice ; no so. He obviously didn't know what he was talking about. 

The city treasurer 's office has no record of receiving a check. Consequently, I had to pay my 2020 property tax out of personal funds. 

The attached file containing the escrow statement is how Home Point Financial responded to my first call. The WORD doc is their answer to my second call. 

Lately, Home Point has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-12-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was in foreclosure. I sold the house for more than I owed on the mortgage so my attorney obtained a payoff statement that was good through XX/XX/XXXX. We closed on the XX/XX/XXXX. My attorned wired the full payoff amount of {$400000.00} on XX/XX/XXXX. On XX/XX/XXXX the buyer paid the school taxes. Rushmore also paid the school taxes on XX/XX/XXXX. At that point we were told by XXXX XXXX of Rushmore that I would be charged interest on the original amount of the loan until the money was returned to them from the Tax Collector. This process took a few weeks and we were notified in XX/XX/XXXX that we owed an additional {$2300.00} in interest. My attorney sent this money on XX/XX/XXXX via XXXX and it was verified that they received it on XX/XX/XXXX. Rushmore still has not recorded a discharge with the County Clerk 's office. I spoke with them today and they said that it should be done soon. It is my understanding that legally they are to record this within 30 days. My attorney is holding money in escrow until this happens and until that time I can not get my money from a closing that happened XX/XX/XXXX. In addition, I am out the {$2300.00} in interest they charged because the payoff amount was short the {$5500.00} that was definitely known to them before the payoff statement was given and not included in their payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
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:
I have been working on rectifying my credit report after my accounts have been entered and used off and on since XXXX. The most recent hack was with my XXXX XXXX Charge account last XXXX XXXX XXXX XXXX When gift cards were purchase on my account with out my knowing, I reported it to the Police in XXXX Mass and I reported it to XXXX XXXX and the bureaus. I can not understand how these bureaus can have so much control of our lives when the Police told me that this kind of thing is happening everywhere. 
The police contacted XXXX XXXX about the fraud but they did not shut down the account take the report seriously and then open a new account. They wrote to the bureaus that I owe over XXXX to XXXX XXXX. They would not take this as fraud and this was during the recession even though is was not during XXXX the recovery was continuing. 
My complaint is with XXXX XXXX taking advantage of a XXXX women 's tough situation and the bureaus not willing to really do the right thing but instead made my score so low that I have not been able to be treated any more than a criminal. I have taken a company public but I could not buy insurance due to pre-existing conditions and have had 28 XXXX But this complaint is about the need to get justice for me and I bet many XXXX people but also to redo the power of the credit bureaus. These companies control our lives with the FICA scores even in an environment where millions of people have had their information from companies like XXXX nd all of the retail companies and tech companies like XXXX. Information is stolen, accounts will be hurt and should not the credit bureaus be altered to be able to be attuned to the problems vs. treat real people who are responsible with heavy handedness and cruelty, The credit card companies like XXXX XXXX do very well. They did not need to take over a year to then decide that they still would not address the fraud done on me and they still would not give me a new card. Instead they not only made me responsible for something I was not responsible for but they then penalized me in rejecting me with re-opening my account. Even the Police asked for my account to be reopened because I actually paid before the bill was issued. I am XXXX. If my car gets a flat tire and I have not enough left on my ssi to pay for the help, I am now at risk that I will be stuck without help. It is time to take care of stopping the powerful from hurting the not powerful but responsible people. Thank you, 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 2019-08-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been on Medicaid for years and I have been receiving a collection for a er ems transport service I havent been to the hospital since XX/XX/2017 and I have a collection agency trying to collect from me at the Same time I have been informed that my personal sensitive information including my medical records and information has been compromised and I have been reported as a true victim of identity theft and name fraud. XXXX XXXX XXXX XXXX and XXXX credit report agency have my information as being compromised to which it has caused me to be directly impacted by the Data breach from both Credit agencies and I have never been charged for a ems transport service from my medical insurance company. I have to say that I hope that being my information is compromised and I have been a victim of identity theft and name fraud due to the fact that the Data Breaches have me finding a new origin of Some type of collection agency trying to charge me for the debt that I have not obtained myself. I am sure that with the details from this information with the process to get my identity restored should be a source to be easily verified and we can make a decision in regards to the situation regarding my circumstances with my personal sensitive information and my medical records and information being compromised by the Data Breaches from two separate credit report agencies, should be a source to reach the proper resolution to this matter and I look forward to seeing the new collection of debt being removed from my credit report and I hope it will be rather sooner than later so we can get this matter of unfortunate events resolved in a timely manner and I appreciate your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has sent me a notice to collect a debt in the amount of {$550.00}. This collection agency is not licensed for business in Texas, nor are they registered with the Texas XXXX of XXXX ; therefore can not attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is some fake shell company collecting debts that dont exist. They have no website or real office. Says they are out of XXXX, with no staff, but from Pennsylvania? I havent been to the hospital or anything medical related so how would I owe this amount, especially to a place that doesnt exist. 

If you XXXX this company, the ONLY result is people complaining about this bogus charge like I am now. Then I filed a complaint with XXXX explaining this and they came back in RECORD time and said it was accurate? Nope. Big XXXX no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: NCMI Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday XX/XX/2018 at XXXX in the XXXX, I received a text message from a receptionist at NCMI on their personal cell phone, asking what my husbands middle name was. When I responded asking her How come she proceeded to tell me that my husband and myself have accounts in their office with XXXX XXXX. I feel that this is a direct violation of my privacy, as to why a receptionist is looking into my account and contacting me on her personal phone when we were unaware of having any accounts in the office before this. I IN NO MEANS HAVE EVER REQUESTED INFORMATION FROM HER PERSONALLY NOR PROFESSIONALY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My receiver in the XXXX did not receive the money through Western Union until today XX/XX/2019. It should be available as what they promised XX/XX/XXXX. But I already file a fraudulent transaction and cancel/ stop my transaction today and get my money/ full refund. But they said it will take 7 days. I hope I could get my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received a notice from Citibank that my account has been blocked ( both checking and savings ). I called the next day and was informed that my account was under review. I was instructed to call back during between XXXX and XXXX EST to speak with the fraud department. I was originally told that my attempt to XXXX money to myself at another bank resulted in my account to be flagged as suspicious activity causing my account to be blocked. On Monday the XXXX, I called back 3 times and each time I was instructed to call back again. On XX/XX/XXXX I called back and was told that I would need to call back. Finally on XX/XX/XXXX, Citibank unfroze my account and restored online account access. 

On XX/XX/XXXX, I also wrote two checks to myself. One to my savings {$1100.00} and another to checking for {$22.00} from the other bank since I could not XXXX the funds. These two checks were submitted to Citibank through their mobile app. Because I was informed that my account was " block '' I would not be able to access my funds I placed an immediate stop payment on these checks. 

After my account was unfrozen on XX/XX/XXXX, Citibank removed my account from online access and blocked the account again on XX/XX/XXXX. I called back that day to inquire about the status of my account and was placed on hold by the representative and left for over 15 minutes. Additionally, this time there was no notice. 

I called the customer service department on XX/XX/2020 to inquire about my account and was told that my account has been blocked and the funds have been frozen. They were unable to provide a reason as to why this was the case. I advised the customer care rep that my paycheck will be direct deposited on the XXXX and I was inquiring about accessing those funds. His response was that those funds will be frozen ( $ XXXX ) and inaccessible. I would need to contact the fraud department again. 

Additionally, Citibank sent an email providing me access with my statement dated for XX/XX/2020. The statement ( can be provided upon request ) does not provide any explanation or notice as to why my account has been blocked or even if my accounts are active. I do have online access but it is only for my credit card account that they have and I can not relink my checking or savings accounts online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX

Company response to consumer: Closed with explanation