BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: CORELOGIC 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received unsolicited financial offers. After researching these offers, CoreLogic was named as the source of information. 

1 ) I have opted-out of offers so why is CoreLogic still selling my information? 
2 ) On XX/XX/2020, I completed CoreLogic 's form " Permanent Opt-Out Election Form '' to their product " Telemark ''. Mailed certified to to CoreLogic, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
3 ) The form asked for my social security number. How is it this company can require my SSN? 
4 ) I submitted the form with my SSN but I have not heard back from them. 
5 ) Does CoreLogic have other products I have to opt-out of? 
6 ) Are there other companies like CoreLogic that sell my information that is not subject to the normal opted-out of offers that I have to individually ask? 

I appreciate your assistance.

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 2019-04-08
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request the removal of my Credit Freeze from all 3 credit reports Innovis, XXXX XXXX and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am going to start by saying that it is disheartening to me that in order to receive any sort of response or corrective action from my Mortgage company I need to file a complaint with the CFPB. 
XXXX, XXXX and XXXX of 2017 I was approved for a modification from my mortgage company and at that time they locked my account so I couldn't make a payment online. I needed to mail in checks. My modification was approved in XXXX of 2017 and back to normal in XXXX of 2017 since then I have had no online access. Each time I attempt to access my account I get user name or password incorrect. I have changed both numerous times. 

I called Freedom maybe in XXXX of 2017 to find out why this was happening and the person I spoke with said they would delete my account and I would have to re-activate it, which I did and that still didn't work. I asked her if I could talk with their tech department and I was told " we don't have one ". I tried again in XXXX, no luck and in XXXX still no luck so I called back and this time I was told they were going to open a ticket with the tech department. ( I knew they had one! this just goes to show much misinformation is given to customers when calling Freedom ) It is now XX/XX/XXXX I still can not access my account online and when I call to check the status they say we see a ticket open with our tech department keep trying. 

I honestly feel that Freedom mortgage makes a living off of unfair and deceptive practices and skirts the rules because they deal with FHA loans. I truly and honestly feel that they are in violation of UDAAP. Most people who have an FHA have had or are having money issues and are at the mercy of Freedom. Freedom is notoriously wrong to providing misinformation to customers and gets away with it. I in fact almost lost my house because of misinformation and the response I received was " we apologize for the misinformation ''

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 2018-03-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check of the amount of {$1500.00} was endorsed to me and i went to my local Wells Fargo branch on XX/XX/2018 and deposited it into the ATM. I thoroughly checked the security details of this check with a black light and tried to smudge the ink on the check with water. Everything checked out perfectly.The full amount of the check went on to clear into my account on XX/XX/2018. I went into the same branch and withdrew {$1300.00} of the money. On XX/XX/2018 the check was returned as a fraudulent check. 
Had Wells Fargo waited the three days to clear this check, as they have every other transaction i have ever made with them, this situation would have never arouse. 
I have spent countless hours at the branch, where they told me it was not fraud, so they refused to even start a claim. I have finally gotten through to a manager, over their customer service line named " XXXX '' and had a lengthy discussion with him about why the money was ever credited to me within 24 hours and how poor the customer service has been, so far. The biggest issue I can see is I am clearly NOT the only person their bad banking is effecting, considering it is on countless national news headlines. My life has personally been debilitated by this fraudulent check scam. And it seems as Wells Fargo does not care about me, or any of their other customers. I only hope to resolve this issue as soon as possible, close my account, find a new bank, and warn everyone I know of the way Wells Fargo conducts their " business. ''

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 2021-02-22
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC Systems and XXXX XXXX XXXX received medical debt. This debt is tied to medical information that they are not legally allowed to have under HIPAA laws and therefore the debt is illegal and should be removed.

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 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This complaint is against Capital One/Kohls and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA. 

Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report. As per FCRA - they must be complete - and then accurate. 

My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems. 

Imagine if - your kid came home with a report card, and - there is no name, then there is no score, the semester is never identified - is it real? 

Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations. The best tech teams in the world would NEVER use a free form comment/text field in an algorithm. Your reporting on mine - and as listed isn't complete and/accurate. 

XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account XXXX XXXX ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? XXXX nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open? 

XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting. As a DATA FURNISHER - please fix the issues as so noted, or DELETE them. 

Attachments are provided for your convenience, and from XXXX While they are not all - all of your tradelines look exactly, the same. This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA ) is tied specifically to the consumer 's right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA. 


Please fix your tradelines - or delete them all, and from each CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we had family matters which caused me to contact Wells Fargo about my home mortgage. They worked with me to do a loan modification which allowed us to handle our financial obligations. We missed the XX/XX/XXXX and XX/XX/XXXX payments as per the loan modification which was put in place. In XX/XX/XXXX, we started paying a higher payment which ended with the XX/XX/XXXX payment. Everything was done according to the modification. It was me that reached out to them not the other way around. I was pro-active. After the completion of the modification the loan was resumed with a normal payment and continues to date. At this point I realized that my credit was trashed because they reported me late for the entire 12 months. I have spoke with several people in their mortgage department and they informed me that I was told. I was not. They say they have recordings but they are proprietary and can not release them to me. They have also refused to remove the late reports directly and through a complaint to XX/XX/XXXX. Their reporting causes me to be unable to refinance the home with appropriate interest rates since my credit is low based on excessive late payments. This to me is a predatory practice and requires reporting and resolution.

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 2020-06-01
Company: ALTERRA GROUP, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir Or Madam : On or around XX/XX/2020 I XXXX XXXX with XXXX XXXX entered a contract for a sale of a real estate property located at XXXX XXXX XXXX XXXX FL XXXX. I contacted the lender Alterra Loans. XXXX XXXX XXXX NMLS XXXX was the loan officer/branch manager that was doing the financing on this deal. He told me this was a straight-up just FHA Loan and probably will close before the contract date. After a few weeks, he kept on saying everything is fine and he was waiting on clear to close. He decided to take some time off and apparently never assigned the loan to anyone else so this just set us back. We finally got the clear to close after extending the closing date another week. The title company described his work as a disaster nothing was balanced the buyer did not even know what amount he needed to take to closing. And The title company was the one to inform me this was a down payment assistant. I find this unprofessional, unethical, dishonest, I feel cheated and taken advantage off. Why not be forthcoming and stating the type of loan from the beginning? Even the realtor using his services told me she will never do another deal with this person or company. 

Respecfully, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS WILL BE MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS ACCOUNT THAT THEY KEEP REPORTING ON MY CREDIT FILE. IT WAS DELETED FROM MY CREDIT PROFILE AND PLACED BACK ON BY TRANSUNION. THIS IS A MAJOR VIOLATION OF MY RIGHTS. IM GOING TO CONTACT MY LAWYER ABOUT THIS MATTER BECAUSE I HAVE NEVER DONE BUSINESS WITH THIS CREDITOR, MY SIGNATURE WAS USE FRAUDULENTLY.

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 2018-03-09
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After several phone calls and emails, I found that I was lied to by a staff member that told me to make a higher offer to settle my account. When I spoke with the manager, I was told that they do not accept pay offs and the only reduction I would see would be a couple hundred of dollars off the interest. I was told I needed to make a {$1000.00} deposit and then have payments of over $ 350/mo to pay off the balance. I am ( like most of their clients ) not able to pay {$350.00} a month after putting down such a huge deposit. I want to reasonable payments of $ 100-150/mo. This company does not respond to any emails, though they direct you to send emails to make offers and this company does not even accept offers for pay off, in other words, they run you around wasting your time whilst adding more interest every day. 

I sent this letter to XXXX : I am enclosing a payment of {$200.00} toward the balance on my account. I was informed ( incorrectly ) that you accept payoff offers, and made and offer of {$1800.00} ( the highest I can go is {$2200.00} as this balance will be moved to a credit card ) and that offer was declined XX/XX/2018. 

I will sending a copy of this letter to XXXX to let them know that I am attempting to resolve this issue by either making a payoff or setting up reasonable payments ( $ 100-150/mo ) in the attempts to settle this issue. I have also opened a case with XXXX since I believe that I was seriously mislead by one of the employees, and this can be confirmed by listening to the recording of the conversation. 
My intent is to settle this account, as my debt counselor advised me that having this account in collections is negatively effecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
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:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-25
Company: Experian Information Solutions Inc.
State: MD
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:
Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from XXXX XXXX saying we were turned down for loan. We never asked to apply to XXXX XXXX. Dealer never mentioned XXXX XXXX or that they were going to apply. Never signed a credit application for XXXX XXXX. 

This hard inquiry will negitively impact my credit score. I never requested a loan from 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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of 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 non-monetary relief
Consumer complaint received 2018-03-09
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I finally paid off my perkins loan through ACS in 2017. ACS sent me an email that my tax form is available online only. I go to sign in to retrieve the form and I learn that ACS is now managed by Conduent. 

Every time I try to sign in it says the site is currently unavailable for the past month. So I try to reset password and it says I do not have an account there. Then I try to register and it says I have an account already. 

I try to call their customer care center and it is just an automated service with only ONE option - to hear your account summary. But they can not find the account. 

I try to email them, but it just says " Thank you for your feedback '' and no response for weeks. 

I want my tax form for this loan I finally paid off! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX XXXX XXXX Report 3-Identity Theft Victims Complaint Affidavit 4- XXXX Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit 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 2021-08-12
Company: Better Mortgage, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
this is my 2nd complain to same matter. my previous complain number XXXX where Better mortgage accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and better mortgage is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or better mortgage should give me loan immediately as both are responsible for my credit mess and better mortgage accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how XXXX  report shows late payment. who is lying XXXX  or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO either XXXX  is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX better mortgage. I am attaching XXXX XXXX  loan XXXX email copy where XXXX XXXX is declining loan. whoe 's fault it is. Better mortgage has accepted fault but XXXX XXXX kept on lying and declining my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is a continuation from CFPB complaint XXXX. The previous complaint was closed out by the CFPB without any verification performed that XXXX had remove the phone number XXXX XXXX XXXX XXXX from its database ( s ) related to debt collection, and phone calls in general. 

I am still receiving phone calls from XXXX XXXX on this number. The last call received from XXXX XXXX was an automated phone call on XX/XX/2021 at XXXX pm CST. 

As I stated in the original complaint, simply having a financial institution say something has been done isn't an appropriate fix. Root cause analysis has to be done for why the number is being called in the first place. Clearly, the root cause of why this number is being called has been left unaddressed.

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