BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had inquired about a deferment. 
And then the same day we told Cornerstone we did not want the deferment and would send the two payments so we could close out the forbearance. We continuously made payments during the forbearance period. Since that conversation we have talked to 5-6 reps reiterating do not put us in a deferment. Weve asked, requested, pleaded with reps to take action do not put us under a deferment yet we have received 2 emails ( XX/XX/XXXX and XX/XX/XXXX ) that deferment was approved. 

We are asking for someone authoritative to assist us. We need Cornerstone to 1. Cancel deferment if we have been added to one. It is against our request and there should be days of call records/notes indicating to do so. 
1. Apply our payments ( {$6400.00} ) to our mortgage acct first.

2. THEN remove us from the forbearance.

3. Email or fax us the customer a letter stating we are out of the forbearance so we can proceed with our refi and payoff of this account.

All reps read vague notes and provide status. No one has provided accurate details on when {$6800.00} dollars in payments received ( and debited ) by Cornerstone will be applied to our account and no longer in suspense.

No one has confirmed the deferment of the aforementioned payments ( we PAID ) was canceled. 
No one will tell us when we will be out of the forbearance. 
No one will confirm we can have a letter in email or fax regarding the exit of the forbearance. 

Cornerstone mortgaging does nothing allow customer service or loan counselors to call out. How do they own serving customers to issue resolution when they cant follow up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
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 never use my social to apply for anything, yet I have an account that has went to collections showing on my credit report. It is showing as an open account open since XX/XX/2021. This account is NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, Trans Union has added 3 additional months on my credit file.

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 2020-07-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 
We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. 
We're sorry for any problems you may have experienced with the transaction ( s ). 
Transaction information : Dispute Case ID : XXXX Transaction Amount : {$200.00} XXXX Dispute Amount : {$200.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal Pay pal transfer the money from my account to XXXX without my authorization. I did not filed for author payments. XXXX is a fraud company. They did not provide service for me in XXXX at all. I cancelled the account. XXXX provide a poor service for me in XXXX for which I paid {$250.00}. I agree on XX/XX/XXXX and authorized the charge. Due to poor service I cancelled my campaign with them on XX/XX/XXXX and filed 2 cases with Pay Pal. I just got the respond read above. Please, HELP. I am a XXXXl XXXX XXXX and every dime is important for me. I am very upset with pay pal decision. 
XXXX XXXX XXXX. 
The receiver of this payment is Verified http : XXXX XXXX Payment Sent XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I WANT TO PRESS CHARGES AGAINST XXXX THIEVES AT XXXX XXXX THAT STOLE MY HOUSE! Do I have to go to the police? The criminal financial protection bureau has closed a complaint that IS NOT RESOLVED. The cfpb has done nothing to stop the outright THEFT. Of my house, {$730000.00} payments and ANOTHER {$250000.00} from MY proceeds. {$730000.00} pays all of the XXXX interest reported, all of the XXXX balance of the first. XXXX of second mortgag XXXX for XXXX escrow. 

It wasnt enough to charge me an extra {$100000.00}. They TOOK {$250000.00}. More. 
Select portfolio servicing basically stole my house. 

When they modified the loan there was no settlement statement or truth in lending statement IT WAS NOT A NEW LOAN. and all of my payments count. I dont care what the servicers did. It only matters WHAT I DID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: LendingPoint Holdings LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I began XXXX XXXX back in XXXX of 2019 and right after I received my XXXX, I got a call from XXXX, saying I needed to pay for an accountant for the year. At the time, I did not know much about running a business so they sold me on paying for the year. When i told them i couldn't afford their costs, they offered to connect me with Lending Point which would allow me to make monthly payments. 

After a couple of months go by of me paying for this service and NOT using it, i realized I did not need this at all. To this day, I have not used the service once and because I struggled to make the payments in the second half of the year, it has negatively affected my credit score. I really feel like i should not have to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2020-07-20
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Quicken Loans about my mortgage with them in the end of XX/XX/XXXX. They were offering a lower rate for refinancing. My current rate is 3.5 % and they offered 2.75 %. I told them initially I did not want to refinance because I don't believe they are a reputable company and I had issues during the purchase of my home in XX/XX/XXXX. They assured me this would be a simpler process and continued to contact me so I proceed. On XX/XX/XXXX, they ran both my credit and my grandfather 's ( he co-signed the original mortgage ) without permission. They have admitted that they did this without permission. As with my initial mortgage, they would not give me the exact items required for closing. They would request information and once it was provided they asked for more. The final issue was that they requested a 2 year history of my grandmother 's mortgage. My grandmother is not an applicant for the refinance and is not required to give this information. Because we would not give it, they said the process would be canceled, so I was not able to refinance. I believe my initial mortgage process and the refinance included XXXX of race and age. Although we provided all information requested, this company constantly requested " further information '' or information on people outside myself and my grandfather. I believe because of my grandfather 's age, he was targeted and it is the reason for the extensive document request. I also feel like race is an issue because it seems like they were looking for reasons to show that we could not afford the home. They conducted an " investigation '' proving that they did run the credit without permission, however they did not continue the refinance process because of the documents they stated we had to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I attempted to make a funds transfer from my Marcus account today, XXXX, an error message stated, " unable to process '' or similar thereof. The transfer was going to my linked XXXX account in my name, three prior funds transfers were made prior, amounts of {$2300.00}, {$600.00}, {$800.00} with no issues. I called to find out reason for issue, it appears Marcus placed a hold on the account yet again, second one thus far. The reason for the funds transfer is to cover ACH payment items due to withdraw from XXXX account. Also, I am in process of making an offer to purchase a house and need access to funds.. It appears Marcus likes to monitor transactions, mark them as suspicious to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is more about the letter mailed to me from Intercontinental Capital Group XXXX in XXXX NC. about refinancing. The letter had a gift card attached and states to call to activate the card and to ask any questions I may have about refinancing. No where in the letter does it state that you must agree to let them look at your credit and try to get you a better rate to activate the card which is what I was told after I turned him down for pulling my credit. He also stated that there were no closing costs but when questioned admitted that they are rolled into the loan, which to me is deceptive when saying no closing costs because there are closing costs rolled into the loan. My mortgage is six months old and I dont need more closing costs rolled into my mortgage. I believe this to be predatory lending practices and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

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 2023-05-31
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
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 have sent Experian and XXXX  everything that they ask me to send them to show that I was 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 2022-08-05
Company: Experian Information Solutions Inc.
State: MI
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 disputed an error recently found on my Experian credit report. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The inquiry listed below is not related to one of the allowable purposes from The Fair Credit Reporting Act. The inquiry that Experian is reporting on my credit report is as follows : XXXX. XXXX XXXX XXXX I requested for this inquiry to be deleted from my credit report immediately. If this company says that they have pulled my credit report with permission, I exercised my legal right and requested for verification by Experian to include : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they said that I gave permission. 
3 ) Method they said that I gave permission. Please include documentation of said permission. 

Experian did not follow the law as required by the FCRA. As of the date of this complaint, Experian did not verify any of the above items. They sent an email response that required me to log in to a website. The response from Experian on that site to my request to delete this inquiry was that it was updated and the update was credit granted which is incorrect. This is not an appropriate response per the FCRA and is a blatant violation of this law. How are they allowed to do this? 

I need assistance to get this inquiry deleted from my Experian credit report immediately. Thank you!

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 2023-05-31
Company: EQUIFAX, INC.
State: VA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late., Listen, basically I was shocked when I reviewed my credit report today and found late payment 2 times this year 2020 for 30 days late. The bank was closed that only drive-thru transactions for cashing check and withdrawals were accepted. I wasn't sure that during these tragedic time your organization was marking people late. I finally setup only account where it showed that the money were sent to ELAN financial services and it's impossible for me to be late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are inquires that I didn't authorized and several accounts that are not correct with amounts and or charged off stutus on my report. I have outlined all of these issues in the letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with non-monetary relief