BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 2019-06-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recieved a loan modification a couple of years ago. Since then, my mortgage payments have not beed posted properly. My payments aren't credited right, they are often reversed and put in " unapplied funds ''. Late  charges aren't credited properly. I contacted Wells Fargo and had them do 2 reviews on my payment history, to which they claim nothing is wrong but it is not normal to have every mortgage payment to be posted incorrectly until I bring it to their attention. Wells Fargo has been my mortage provider since 2004. We purchased the home in XXXX.2004 for XXXX, had XXXX down. Now I still owe XXXX 15 years later???? Something is WRONG!!! I would like the entire loan looked at for possible fraud, I no longer trust this company due to reaching out to them and them telling me that the posting practices are normal and my mortgage status is correct ... I am not so sure. My late  fees are always included, but never posted. My mortgage payments post to unapplied until I call them to get them credited. I have documented this activity for two years.

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 2021-09-16
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore took over servicing from XXXX I requested verification of the debt and payments from XXXX of XXXX. Only verification I ever received no matter how many times I disputed the debt with XXXX XXXX  & XXXX and the servicers was a printout of payments charges fees. There were over payments that were never applied to my mortgage the amounts were just adjusted out of the account. I entered in to 3 modifications each time they held the payments in suspense ( in one instance the payment was not applied to the account for 2yrs ) Because the payments were put in suspense they claimed I defaulted on the modifications. The balance they say I owe as of XX/XX/XXXX was {$120000.00} yet I made modification payments after XX/XX/XXXX. 
XX/XX/XXXX the foreclosure judgement was entered by XXXX XXXX and XXXX while I was completed a modification plan with Rushmore. XXXX XXXX   and XXXX were also Dual tracking when I was in a modifcation with XXXX and with XXXX. They never served the 90 day notice they never acknowledged the numerous debt disputes. XXXX of XXXX Rushmore denied a modification but did not provide information as to the rules regarding the modifications they also claimed they could not consider it because it was less than 37 days when the sale was not until XX/XX/XXXX Despite the mortgage stating that I had the right to payoff the mortgage up until 5 days before the sale XXXX and XXXX XXXX and XXXX did not send the Payoff until after the sale despite the request being made in XXXX giving them ample time to send the payoff. They effectively breached the contract. 

The County Supreme Court disregarded the blatant lack of jurisdiction did not request a traverse hearing despite proof XXXX XXXX was never served Rushmore XXXX XXXX and XXXX also have ignored this fact. They are now trying to evict me after breaking the law numerous times causing me emotional distress. They have broken numerous laws in the Frank Todd Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to ~XXXX XX/XX/2019 I had attempted to register on the websites of XXXX, Experian , and XXXX to no avail as they claim to be experiencing technical difficulties. Calling XXXX to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling Experian ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.

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 2019-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I sent a person of the name XXXX XXXX who stated on XXXX that he owned a show business called XXXX. He stated that I should send him money through XXXX which is a company used through my bank USAA which I took a dispute out and received a letter back stating I would not receive my refund back for XXXX dollars because it was not a fraudulent transaction. I requested my money back from XXXX XXXX which was a scammer before I realized that I was being scammed. I contacted XXXX through my bank not knowing that my hard earn money would not be reimbursed because I didnt know of this. If I had known about XXXX not having a fraud protection plan I would not used them nor XXXX XXXX. I have banked with USAA for 17 years and I have never experienced this type of treatment or have ever been scammed. I would like to receive my refund back of XXXX dollars. Please do not use XXXX XXXX nor XXXX to do any online purchases. The guy got me for a total of XXXX dollars. I sent him {$920.00} plus {$320.00} on XXXX XXXX  and {$300.00} through 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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was billed XXXX on XX/XX/19 for an item from XXXX XXXX I later returned due to their error. XXXX initially did not have a record of my return so I disputed with my credit card - Chase Amazon Visa. Chase closed the dispute as XXXX stated they had no record of the return. Eventually I got XXXX to credit me ( payment was thru XXXX ). However, XXXX has no record of payment from XXXX although I have a detailed receipt. I re-activated my dispute from Chase providing them the receipt but they denied my dispute and have not given me a reason. I made multiple inquiries with XXXX, who said they can do nothing as Chase 's inquiry overrides theirs and in any event they have no record of the refund from XXXX at the date and time below or any other. The receipt, attached, indicated the refund to XXXX from XXXX was on XX/XX/19 at XXXX XXXX ( and 23 seconds as I learned after going to the store ), in the full amount, from store XXXX, XXXX XXXX, transaction XXXX and indicated a payment code of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by Southern Credit Recovery . I am in receipt of Southern Credit Recovery 's letter informing me that they are handling the " collection '' of the account # XXXX for {$1500.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southern Credit Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Southern Credit Recovery 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southern Credit Recovery continues to report this fraudulent ( on Southern Credit Recovery 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in XXXX XXXX XXXX 's letter, this is a " medical account ''. Therefore, this is a violation of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo again refused to respond to my issue, XXXX XXXX : XXXX which brought me here. 
XX/XX/XXXX, at XXXX XXXX. This was the first time I entered a Wells Fargo branch since XXXX. 
At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. 

I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker.

2- DOES THIS MANAGER THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER?

3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE , THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL?

4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 
5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT?

This was the answer of the Executive FROM HOME Office Case Specialist who did not address my complaint properly, refused to forward my complaint to a manager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. 
- { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings.

Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this. }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2016 IS WHEN THE ACCOUNT IS SHOWING IT WAS OPEN. AMOUNT {$35000.00} ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian enclosed are documents of violations and fraud please read the U.S.C. CODE you are violating please take to heart I will take legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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 information incorrect

Complaint:
At the end of XX/XX/2020 my mortgage bank, XXXX XXXX, offered me a forbearance for 3 months due to Covid-19 pandemic issues. 

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and XXXX XXXX  said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both Experian and XXXX  are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified XXXX XXXX  several times, but it doesnt seem to help. I began a dispute with Experian two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times. 
So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way XXXX added {$25000.00} to my loan balance did affect my credit score. 
Second, I feel XXXX is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.

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 2022-10-13
Company: Rozlin Financial Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX sold the debt of {$1500.00}. that is a violation of the Fair Debt Collections Practices Act. I have no contract with Rozlin Financial Group who bought the debt from XXXX XXXX and have a balance of {$2700.00} showing on my consumer 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 explanation
Consumer complaint received 2019-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, 2019-requested complete account history including payment history-received incomplete history from PRA. 
XX/XX/2019 -submitted another request stating documents received were not complete history and didn't include payment history. 
XX/XX/XXXX, XXXX- sent letter stating PRA did not complete my request within 30 days and account must be removed from credit report. 
XXXX XXXX- account was removed from my credit report as requested. 
XXXX XXXX-account was relisted on my credit report with no notification from PRA. 
XX/XX/2019 - sent demand letter to PRA stating they violated FCRA by not completing my initial, multiple requests within 30 days as well as violating due to putting account back on my credit report without notifying me. 
XX/XX/XXXX, XXXX-emailed PRA copies of previous requests mailed demanding account be removed from credit report. 
XX/XX/XXXX, XXXX-received notice from PRA that since I didn't respond to their " request for further information '' the investigation is closed - never received any such request via mail or email. 
This company is in clear violation of multiple FCRA laws and this account should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions sent me a collection letter, which I received on XXXX XXXX XXXX regarding an alleged {$1200.00} debt to XXXX XXXX. I've never had an account with XXXX XXXX, so the debt is fraudulent. On XXXX XXXX XXXX, I requested they provide me with the name and address of the original creditor ; rather than doing that, they responded with a phone number they asked me to call. When my lawyer called that number on XXXX XXXX XXXX, they refused to discuss the matter with her, and indicated they would only discuss it with me personally ; my lawyer indicated it sounded like an overseas call center. 

Sequium has reported this collection action to the credit reporting agencies, damaging my credit. They have failed to provide the name or address of the original creditor, or to prove I owe the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I attempted to call these companies and they forward me to calling Experian, XXXX and XXXX. Experian has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

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 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 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 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 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 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 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 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