BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Home Point Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX our escrow account by making two XXXX real property tax payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX  between XX/XX/2022 and XX/XX/2022. We have contacted the title company that paid the remaining property taxes in XX/XX/2022 when we closed on the property, and have contacted XXXX XXXX XXXX XXXX via phone email and XXXX mail XXXX communicate these errors, and they have still not corrected the payment errors. We have been dealing with this since XX/XX/2022. We sent a notice of error on XX/XX/XXXX via email and XXXX certified mail to both XXXX and Homepoint Financial mailing addresses. Homepoint Financial acknowledged the email Notice of Error on XX/XX/2022. The amounts in dispute are {$690.00} and $ XXXX payment errors have shorted our escrow and Homepoint has assessed an additional approx {$400.00} a month in mortgage payments because of THEIR PAYMENT ERRORS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Public record information inaccurate

Complaint:
There is an eviction on my report listed with the XXXX General District Court in XXXX, VA. The landlord is willing to write that this is an error on my report and should be taken off. When I call Experian XXXX XXXX  to ask how to do this, they say they can't see it and they can't help me and to ask the 3rd party company that does the credit checks, called XXXX XXXX. BUT I have a hard copy that shows this on a 3rd party credit check company that my new landlord used called XXXX XXXX. XXXX XXXX will NOT talk to you and says you have to talk to Experian as this is where the info is pulled from. I am going around in circles. This is completely UNFAIR and I need help asap. 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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2019-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
XX/XX/2019 I contacted experian to display my number for fraud alerts but it's still not showing it shows all 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent the below dispute letter in the mail on XX/XX/XXXX and haven't got any dispute results on this. Can I get an answer on this. 


Dear Transunion, I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove inaccurate derogatory information from a consumers file under Section 609 that can not be verified. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I request that all future correspondence be done through the mail or email. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely 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 2020-10-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After paying on my loans for 12 years, with a couple forbearances, I summited an Application for Public Service Loan Forgiveness. I was employed with the XXXX XXXX XXXX on XX/XX/XXXX. My loans were then transferred from XXXX XXXX to Fed Loan.

Apparently my employer put XXXX as my start date rather than XXXX and sent my signature page as a separate scan. Fed Loan then stated the form wasn't signed and the top was cut off when faxed. I had another form sent and faxed my copy as well.

Fed Loan then stated they wouldn't count most of my payments because of the date discrepancy. They wouldn't even count all payments since XXXX. This was soon corrected by having my employer send yet another form to Fed Loan.

Fed Loan then stated they couldn't count the payments since XXXX because there was a prior discrepancy two forms ago and they needed to speak with my employer. They stated a call was placed but the payroll office ( during COVID ) didn't answer.

After I checked my account I again contacted Fed Loan and they stated the employer needed to call with my account number. I asked if they could call because my employer may not wait on hold for my student loans. I was told a call could be placed some time in the next two weeks. I asked for a date/time so I could tell payroll when to expect a call and was then told my employer would need to call.

I called out the obvious. How would Fed Loan know it was my employer? Anyone could call and give my account number and state they are the payroll person who signed the form. I was then told it was

" an honor system ''. Of course, if it was an honor system ( which it shouldn't be ) they would accept the second or third CORRECTED forms. Anyone can make a clerical mistake. It seems with all these hours of communication and repeatedly asking of my employer ( a government entity ) to repeatedly try to help with my loan forgiveness, Fed Loan is trying hard to not approve my loan forgiveness. This process is ridiculous and I don't understand why Fed Loan can not communicate ALL needs in the beginning. If Fed Loan wasn't going to accept the first form and needed to receive verbal confirmation from my employer, why not state that 5 calls and 4 months ago? Now I continue to wait and hope my employer has enough time to wait on hold to call Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Innovis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SinglePoint GI
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:
I never attended XXXX XXXX University. I XXXX  in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Torriere Holdings INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 
Text STOP to opt out My response : I AM NOT THE PERSON YOU ARE LOOKING FOR. MY NAME IS NOT XXXXXXX. 
STOP STOP STOP STOP Another message sent by them : Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 


My response to the latest message : To whom it may concern. 
I responded to this text that I am not XXXXXXX XXXXXXXX and texted STOP multiple times. As you have now sent another text on this I will be filling a formal complaint against you with the FTC and our state attorney general office. 

I went to the FTC site and they forwarded me to your site. 
Thank you for investigating this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: MONEY SOURCE, INC., THE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by The Money Source ( www.themoneysource.com ; XXXX ). I have had a few mortgage servicing issues with The Money Source ( TMS ) in the short period they have serviced my loan. 

I emailed TMS and also spoke with a customer service representative yesterday because the mortgage ( Loan # XXXX ) for my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX is established with escrow withholding for property tax and insurance payment. 

The semi-annual property tax payment on this loan was due XX/XX/2020 to XXXX County and delinquent fees will be assessed as of XX/XX/2020. The TMS customer service rep call admitted yesterday that TMS made an error on my account as I am paying the escrow funds each month to TMS, but TMS ' system is not set up to pay my property taxes. The TMS representative told me this would be addressed and someone would close with me yesterday. I never received any follow-up from TMS and given prior experience with TMS, they typically do not follow-up with customers.

As my property tax payment that should be paid by TMS will soon be delinquent I need immediate assistance please in resolving this issue and ensuring TMS pays my property tax bill before XX/XX/2020. 

Thank you. XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Three deposit accounts were opened fraudulently with my information I never banked at this bank my identification drivers license and social security number was lost and used by someone I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, 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 status incorrect

Complaint:
Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with Equifax and XXXX by submitting a dispute. Nothing changed. I tried onXX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced my XXXX auto loan with Capital One in 2020. I mailed the power of attorney document on XX/XX/2020 and submitted registration and identification information to Capital One by email on XX/XX/2020. I subsequently paid off the loan ahead of schedule. 

I never received the lien release or title from Capital One after I paid off the loan. I found out that the XXXX was never released when I tried to obtain a copy from the XXXX. After speaking with Capital One, I learned that there was a {$0.00} balance on my account from interest after I paid off the loan which prevented them from sending me a paid in full letter. I never received a request for payment for {$0.00} from Capital One and never heard of it until I called to resolve this problem. They have also been unable to send me the title despite the fact that I gave them a XXXX account. At this point it has been almost XXXX  months since I paid off the loan. A representative from Capital One told me that I could have called at any point in the last XXXX  months to collect these documents ; however I think it was Capital One 's responsibility to take final steps with the XXXX and with me as a customer. 

Documents available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Information belongs to someone else

Complaint:
The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX loan with Caliber Home Loans. I have made all my payments to the company as well as escrow shortages. They in turn put my money in wrong accounts and with that show my delinquent and that has directly affected our credit. I have place numerous calls to them from the initial date of the issue. XX/XX/21 to date and have gotten no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Atlanticus Services Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
my issue is with both XXXX ( manufacture ) and XXXX ( lender ) .. 
XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX back in XX/XX/18, I purchased a XXXX treadmill for {$1800.00} ( Order Number : XXXX, Order Reference : XXXX ). two issues with that, 1 ) I didn't realize XXXX tackled XXXX for a 24 month ifit subscription and 2 ) I was told I was going to receive a 24 month no interest loan with XXXX  ... after several days of disputing these added changes, I received and e-mial ( I can provide it ) indicating that I would be receiving a credit for the added fees and apologized about the " miscommunication '', but even though I was offered the 24 month interest free no payment loan, I didn't qualify and received a different loan ( next time i'll make sure I understand all terms ). * This is where the problem begins because by the time I realized that I was supposed to be paying this loan, I had already incurred a crazy amount of interest and late fees. my new balance is XXXX .... I called XXXX, had an e-mail conversation with both parties and had no resolution. they just passed the responsibility back and forth. I logged on XXXX website, and they received the credit from XXXX, but no adjustments have been made. and they are ruining my credit/credit score. I have told XXXX that I would be happy to pay the credit line I requested, but I needed the balance adjusted.. I am scared at how much I have to pay now because of an error I did not make..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: SC
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:
I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with 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