BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX. 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that XXXX/EQUIFAX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Atlantic Recovery Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving text messages and phone calls from a company called XXXX. I do not know who they are but they keep sending threatening text messages and have been reaching out to my extended family. I have never received any written communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-11
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have three fraudulent student loans from Reunion Student Loan Finance Corporation XXXX XXXX XXXX XXXX XXXX SD XXXX, which bought the original loans from XXXX XXXX XXXX ( XXXX  ) on my credit report from XX/XX/2003. XXXX was closed due to fraud and they had a partnership with Minnesota XXXX XXXX XXXX, which also shut down due to fraud. The loan amounts are {$2800.00}, {$2800.00} and {$5000.00}. I have filed a police report and a report with the FTC. I have disputed the loans with all three credit bureaus, but only XXXX has removed them from my credit report. I want these loans removed from XXXX and XXXX immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: U.S. BANCORP
State: NC
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 used my XXXX XXXX card to purchase a service from XXXX XXXX XXXX   ( XXXX ) in XX/XX/XXXX. For {$2500.00} they were to provide my father ( this was a gift to him ) with four dates within a six month time period.

After six months XXXX had failed to provide my father with any dates. I requested a refund of the money three times. After I got no response from XXXX I contacted XXXX XXXX and told them the story and they agreed to dispute the charge on my behalf and credited my account back for the money approximately XX/XX/XXXX.

In XX/XX/XXXX the {$2500.00} charge reappeared on my card. I called them to ask why and they claimed that I had received " services '' from XXXX. I argued with them that I had not and they stated that they " could not help me '' because of the " cancellation policy '' in the contract. I pointed out that the merchant had failed to honor XXXX terms of the contract. They refused to remove the charge and I am now forced to pay for a service that I ( really my father ) never received and never will.

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 2019-01-08
Company: Home Loan Center, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Lender use my information on ther data bases systems and display my credit score on ther credit monitoring without my permission or consent or my athourthiziton And when I reguest the information to be released they asking me to supmit suboena And when I flow ther instruction and sending them suboena thy didnt answer to it and refused to gives the reason why and then referred me to credit agency and when I contact the credit Agency they returned me back to XXXX The company holding my information for no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Both the XXXX XXXX XXXX XXXX and my student loan servicer, Nelnet, recognized my current, legal name for one year, but Nelnet now has decided to revert to my former legal name. The XXXX XXXX XXXX XXXX still recognizes my current, legal name. Nelnet refuses to explain why they called me my current, legal name for one year. Nelnet now says they will require me to produce legal documentation of a name change, which I had already provided in the past to update my account the first time. For Nelnet to require me to provide documentation of a name change a second time would be an undue burden to me. I legally changed my name in XX/XX/XXXX. In XX/XX/XXXX I updated my name with the XXXX XXXX XXXX XXXX. I can't find in my records the exact date Nelnet updated their records, but the oldest email I can find from Nelnet with the updated name is from XX/XX/XXXX. Nelnet 's records continued to show the correct, updated name for one year. On XX/XX/XXXX, I logged in to my Nelnet account online, and I noticed there had been an unauthorized change to the name on my account, which now shows my former legal name. On XX/XX/XXXX, I submitted online to Nelnet a letter requesting a written response to the unauthorized change to the name on my account. On XX/XX/XXXX, I called Nelnet by phone and spoke to XXXX, who said that I would not be receiving a written reply to my XX/XX/XXXX letter to Nelnet, that Nelnet would not undo the unauthorized change of the name on my account to my former legal name, and then XXXX sent me an email for documentation needed to confirm your name change. On XX/XX/XXXX, I submitted a case with the XXXX XXXX XXXX XXXX   Federal Student Aid feedback system. On XX/XX/XXXX, XXXX  from Nelnet responded to my Federal Student Aid case requesting additional documentation of a name change. On XX/XX/XXXX, XXXX from the Federal Student Aid 's Business Operations Escalated Issues team also requested additional documentation of a name change. Finally, on XX/XX/XXXX, XXXX with the Federal Student Aid Ombudsman Group emailed " the initial change was done electronically. However, in order for ED-Nelnet to complete a permanent system change ; you will need to provide them with a copy of your driver 's license, social security card and/or birth certificate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Financial Accounts Service Team Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I contacted Consumer financial services at ( XXXX ) XXXX after being asked my name, ect. I told the woman that I noticed a collection on my report I didn't recognize after I talked to XXXX  the day before. She tried to tell me it was from cable/internet bill from XXXX at an address I didn't live at. When I told her that, she started to get louder and told me that " it was obviously my bill since they had my social security number ''. I told her that I had several accounts opened fraudulently when I was in the hospital and that this was not my bill. She then said I can submit my proof in writing but until it's resolved they with continue to report the bad debt against my credit. Then she hung up on me. 
FIN ACCTS SV Past Due : $ XXXX Chargeoff Original creditor XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.

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 2021-12-01
Company: CORELOGIC INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint XXXX and Debt Validation Request Today I called CoreLogic XXXX XXXX XXXX XXXX XXXX to verify their authority to pay for my property Taxes at XXXX XXXX XXXX XXXX and spoke with an employee XXXX purportedly from CoreLogic XXXX XXXX at XXXX ( or someone's call center ) XXXX XXXX told me that CoreLogic collects property tax information from local Assessors and send it to my Mortgage company who send CoreLogic money to pay for my property taxes. 

When I asked XXXX XXXX who refused to give me his last name ) to give me contact information to my Mortgage Company accounting department or an authorized officer who hired CoreLogic to pay for my property taxes, he refused to give it to me and told me to call customer care at XXXX. 
XXXX question XXXX. 

Please state full corporate name of Corelogic company which pays my property Taxes in XXXX XXXX XXXX XXXX. Is this Company a subsidiary of Corelogic , Inc. or affiliated with Corelogic , Inc. or received directions from CoreLogic, Inc.? 

XXXX  question XXXX. 

Why CoreLogic is paying my taxes when another company has been claimed to be the Servicer? 

XXXX question XXXX. 

Does this Core Logic company has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic ( it must be the owner of my alleged debt or its lawful representative. Please state the name of this authorized agent at the company who claims to be " Servicer '' and his/her contact information. 

Does Corelogic XXXX XXXX ' parent organization has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic XXXX question XXXX. 

Whether the payment by CoreLogic is entered on the accounting ledger of the named creditor as a credit to the loan account receivable and a debit to cash. 

In double entry bookkeeping a credit to the loan account receivable would increase the amount payable from the debtor. 

Please identity of the person or company that entered a debit to Cash into my loan account receivable. 

Please provide me a statement or acknowledgment from the officer in charge of accounting for debits and credits to my loan account receivable. 

I am trying to figure out where my account is kept, by whom and on whose behalf. 

I am also trying to figure out how XXXX is able to do any servicing for XXXX XXXX " loans '' if XXXX XXXX uses only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to service its " loans '' and XXXX XXXX  terminated XXXX access to XXXX around XX/XX/2019. 


Best regards 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 2021-03-08
Company: Rocket Mortgage, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to 5 lenders to refinance my home. After 3 of them wanted me to prepay for an appraisal fee, I quickly decided to hurry up and just go with one lender. The other 2 lenders are dragging their heels in refunding my appraisal fees that are being charged to my credit cards. I told both of them that I was going with Company A and that it seemed like the best deal for me. I requested a refund of the appraisal fee. Rocket Mortgage or otherwise know as Quicken Loans was very pushy and tried to sell me on their reputation instead of matching the lowest rate. They only refunded me {$450.00} instead of the {$500.00} due. Nobody told me that there were any application fees or credit check fees or fees of any kind that were going to be deducted from this {$500.00} deposit for the appraisal. Please make them refund me the {$43.00} due. Thank you for your time and help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ; XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming 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 2019-01-18
Company: Experian Information Solutions Inc.
State: GA
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 have inquiries on my XXXX and Experian credit report that I'm not familiar with and did not consent to, here is a list of the unauthorized inquiries : XXXX XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX, XXXX XXXX XXXX/ XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.

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 2021-03-08
Company: Novad Management Consulting LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My mother passed away in XX/XX/XXXX. At the time she was living in her house at XXXX XXXX, NY, XXXX County. There was a reverse mortgage on the house which allowed us to pay her bills and maintain the residence. After she passed away we contact NOVAD, the HUD company managing reverse mortgages. We were given the option of selling the house, with the proceeds sent to NOVAD to satisfy the reverse mortgage or to transfer the house to HUD. We opted to sell the house. The buyers and sellers agreed to a contract for the sale. The buyers were able to procure a mortgage through their bank and a closing date was set in early XX/XX/XXXX. Due to the initial onset of COVID, NY State closed all non-essential law offices which delayed the closing until the end of XX/XX/XXXX. My mother 's family was contacted to file out the paperwork NOVAD requires to initiate the payoff of the reverse mortgage. The lawyer handling our end of the transaction obtained the contact information from NOVAD via email. From what we gather by the emails we received XX/XX/XXXX, sometime in XXXX or XXXX email communication between NOVAD and our lawyer was apparently hacked. It appears instead of the buyers bank sending the payoff to NOVAD via certified check it was wired to an account in Oklahoma. The perpetrators were able to convince the parties involved that due to COVID checks would not be accepted and that a wire transfer was now required. Last XX/XX/XXXX our family was notified by the XXXX Department of Finance that two documents were recorded on the property, a deed and mortgage. Ownership of the house appeared to be transferred to the new owners. Property tax liability was transferred to the new owners. After that date we received no additional correspondence on the property until this past Friday, XX/XX/XXXX when the sellers lawyer received a letter from the title company that a settlement letter was never received and that the money wired to payoff the reverse mortgage wasn't received by HUD. We were able to obtain some of the email documents earlier today from the sellers lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was under the forbearance program, then at the beginning of XXXX, I received documentation from SunTrust dated XX/XX/2020 which included a Payment Deferral Agreement which I signed and returned. In the agreement I was told my new monthly payment of principal, interest and scrow payment would be {$3100.00}. This payment was due on XX/XX/2020. XXXX XXXX, I spoke with a home preservation representative to whom I made the XXXX payment by electronic check. I was told that my payment was going to be held to be apply on XX/XX/2020. Today, XX/XX/XXXX, I looked over my online bank account with Suntrust and realized that my payment had gone up in the amount of XXXX, and it read that my next payment due was on XXXX, XXXX, 2020. I called Suntrust and asked for an explanation on the situation. I was transfer to the customer service payment solution, and to my surprise, I was told that my payment was short, and they were holding my payment because of the shortage. I got transferred again. In total I was transferred 4 times ( spoke with 4 different people ) and no one was able to explain : The letter dated XX/XX/2020 stated that my payment for XX/XX/XXXX and beyond was going to be XXXX and now Suntrust is stating that my payment is {$3100.00}. Also, I was never notify of the shortage, no notification was sent to me explaining the shortage. I am now concerned this will be reflected on my credit. I spoke with 4 different people and no one was able to explain why there are two different amounts for my mortgage payments. Also, they were not able to locate the documentation which included the  Payment Deferral Agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, 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 information incorrect

Complaint:
1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX XXXX the balance on this account is incorrect and I have never been late.

Company response to consumer: Closed with explanation