BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Need XXXX, TransUnion, & XXXX credit bureaus to correct the following : the alert needs to state that the XXXX XXXX XXXX. shouldn't have any parent or direct plus loans showing on my credit report as consolidated, paid, or owed from XXXX College XXXX XXXX XXXX XXXX, ( amounts of {$12000.00}, {$16000.00}. etc ), due to all direct plus loans for this college being under investigation by the " Borrower Defense Refund Cancellation Dept '', Ombudsman Group/ Federal Student Aid Dept , & the FBI in XXXX , PA . I have case numbers. Once again, the Borrower Defense Refund Dept has  emailed me which I have sent to you, Consumer Finance Protection Bureau in my attachments, showing that I have the right to have loans under investigation, frozen. 
Since the XXXX XXXX XXXX. has npt allowed me to be able to log in to my account repeatedly or go beyond correcting general infor which was done already but not processing, I am unable to communicate with them. Please, note that the notes on my TransUnion & possibly other credit reports are stating some thing other than this. 
Also, I keep receiving emails from all three credit bureaus to check the status of their investigations ; yet, when I go to login, I find myself only spending excessive amount of time on a public, limited time allowed, computer lab ( s ), constantly resetting passwords & usernames rather than actually being able to log in, ( no matter how many attempts & resent passwords & usernames sent ), instead of being able to address my concerns & see the results of investigations. So, please allow & /or make the credit bureaus allow me to respond, ( especially since I was able to receive all of their reports via mail ), which I greatly appreciate! 

Miss 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 2021-07-20
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: DISCOVER BANK
State: MT
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 don't have a Discover Card. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: HireRight 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: Personal information incorrect

Complaint:
My report includes a past/current address of XXXX XXXX Utah. I have never lived in XXXX XXXX Utah in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: TX
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 am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX Account.

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 2022-08-09
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: NH
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: Personal information incorrect

Complaint:
My original complaint was sent to Experian and their response had nothing to do about the reported problem. My existing CFPB complaint ID is XXXX. I wanted a way to contact a REAL person within Experian to explain to them the problem. I did send them a detailed written description of the problem, in addition to my complaint to CFPB, but their response which was a result of whatever you forwarded to them was complete BOILER PLATE! 

No matter if I use their web site that supposedly will enable me to to temporarily UNFREEZE my account, or if I call the number they publish, which is supposed to be a HELP contact, I am asked for the same information that I submit on their web site. No matter what I enter, the same message is returned, " WE ARE SORRY BUT WE COULD NOT VERIFY THE INFORMATION YOU PROVIDED : They do not, I repeat, DO NOT provide a number that gets to a real person. 
Their automated voice answer machine does not have any option that addresses my situation and it neither provides me the ability to connect to a real person. I enter what I believer is a valid pin, I received it from them in correspondence they sent to me. They do not say what area of the input I'm submitting is wrong. So, end result is I can not unfreeze my credit account and as a result I'm prevented from buying the automobile I wanted to buy and I can not open a credit account to pay my XXXX  for XXXX XXXX. How is it that Experian can be allowed to have this control over my life and NO ONE will do anything about it. 

How about you at the CFPB? Are you helping me, do you want to help me? Will anyone help me?? 

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 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took a {$1500.00} cash advance in 2016, now it is over {$2600.00} without any further advances.I called Bank of America and was told some confusing explanation about how they applied interest, which makes no sense. My cash advance should have went down as I have paid more than the minimum payment. The interest on the loan was taken out for both purchased items and cash advance each month, then the balance applied to the loan. There should be no case where interest should be applied to the cash advance.

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 2019-07-01
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX : I paid XXXX XXXX XXXX full amount of charge for final bill on closed mobil phone account. Paid {$250.00} with XXXX Mastercard. 
XX/XX/XXXX, Disputed the {$250.00} charge with XXXX because XXXX XXXX XXXX had already received payment as they bill one ( 1 ) month in advance for their service and the XX/XX/XXXX service was already paid for in XX/XX/XXXX. 
XX/XX/XXXX. XXXX confirmed disputed charge of {$250.00} and issued conditional credit. 
XX/XX/XXXX : XXXX sent letter indicating the investigation ruled in my favor and conditional disputed amount was made permanent. 
XX/XX/XXXX : Received several threatening phone calls on my cell phone from unidentified debt collector threatening to ruin my credit. 
XX/XX/XXXX : Received email from credit monitoring service indicating Sunrise Credit had made an untrue, derogatory entry on my credit report on XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX : Filed an online dispute with XXXX and provided all documentation.

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 2019-07-01
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not get Netlnet to update my name. They keep asking me to scan and rescan the court decree. I sent them the exact same file I sent to other financial institutes such as XXXX, XXXX, XXXX, XXXX etc with no issue, yet for some reason Netlnet does not seem to be able to " read '' it. 

If they can not even read the original scan, how do they expect to read the secondary copy off off the original scan via fax? And they can not handle things electronically, they expect me to mail in the original copy. They really expect me to have faith in them to handle my only original copy with care while a simple thing such as changing name they can not process. 

What a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a mortgage with Rocket Mortgage /Quicken in XX/XX/2020.. The property I was purchasing was under construction and my closing date was set for XX/XX/XXXX. my complaint is Rocket practiced bait and switch business tactics On my initial loan estimate, the numbers shown were {$15000.00} to close A few weeks later on XX/XX/XXXX I was given an updated cash to close amount which was XXXX. This was to be the final number according to the loan officer. 

On XX/XX/2020 just a few days before close, I was sent a final disclosure with a new cash to close amount of XXXX. 

On XX/XX/XXXX, I was told the closing needed to be pushed to Monday XX/XX/XXXX because there was a new change in cash to close, I was then sent another closing disclosure with a cash to close amount of {$24000.00}. 

When asking the loan officer what was going on and why was my amount changing so much, I was told Rocket made an error in their documentation. After multiple calls, it seems Rocket failed to confirm numbers with the builder, property taxes in addition to who was paying the title fees. 

I was only days from closing and told i needed an addition {$7000.00} to close. 

Rocket failed to try to resolve the issue for me, I asked if they made an error, they should take care of the cost in which they failed to disclose beforehand weeks before with the approval letters. 

I ended up having to cancel my closing and find a new lender due to this issue. I had to pay for another appraisal with the new lender due to the mistake rocket made. Through the entire process I received several different numbers varying in thousands of dollars, with the most difference just 3 days before my closing. 

The loan officer seemed to hide the cost until the end so he could be sure the loan was going to close, assuming i was desperate for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife and I moved to XXXX  from XXXX  on a rescue mission for our XXXX  age XXXX at the time. I rented a home at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX through XXXX XXXX XXXX XXXX in XX/XX/2019. On XX/XX/2019 we gave notice to move as we have bought a home. We moved out mid XXXX having paid the full month 's rent of {$1900.00}. In addition, I paid a pro-rated amount for the 9 days of XXXX of {$380.00} to make it a full 30 days notice. This is standard notice when vacating a property. XXXX had 6 weeks to show and rent the house. 

We left the home in exemplory condition with full cleaning and removal of all items and belongings, trash of every kind. 

XXXX, did not return our security depost of {$1900.00} and in return sent us a demand letter of payment in the amount of {$4200.00}. 

They have now hired Capital Accounts of XXXX to collect the sum. ( see attached ) With Covid a major concern these last years I find it appaling that they would go to these lengths to outstanding renters that went above and beyond to even pay a prorated amount to honor our 30 days notice. They had ample time to rerent the home but choose to charge much more for the home and leave it unrented Furthermore we even advertized the property for free for XXXX and forward interested parties to their attention, which they did nothing with. On follow up with these parties I was to find that they either did nothing with the inquiries or did not make appointments to show or the parties were completely ignored. 

I have attached two bank statements showing the payments mentioned above and a copy of the original lease as well as the demand letter by Capital Accounts. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Kimball, Tirey & St. John LLP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The creditor agreed to delete item off credit report and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my loan with SPS Service, Select Portfolio Servicing , Inc. thru another Company as their rate is really high. We closed our Escrow back in XX/XX/XXXX. 
I called the Customer Service, back in XX/XX/XXXX, prior to Escrow closing, I told them there was an overpayment on the account. They told me that, my account will be send to their audit department. The statement balance as of, XX/XX/XXXX, was {$240000.00}. My checking account was debited XXXX times for the total amount of {$6300.00} ( please see attached copy of my bank statements ) after XX/XX/XXXX. When we closed the escrow in XX/XX/XXXX, the Escrow sent SPS Servicing , Inc, {$240000.00}. 

On XX/XX/XXXX, I received a check in the sum of {$1100.00}. I was really upset as every time I called their office, I can not talk to any supervisors. I sent my first letter on XX/XX/XXXX thru Fax and email. There was no response. I sent another letter on XX/XX/XXXX, requesting a detailed summary of my account and I requested them to return the overpayment on my account but to no avail. At this point, I am really disappointed, I do not have a job and trying to collect unemployment. 

Please help! They are making my life miserable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home with a new mortgage on XX/XX/2020. As part of that process we paid off our existing mortgage with Nationstar Mortgage LLC dba Mr. Cooper ( Mr. Cooper ). Mr. Cooper charged a {$30.00} " Quote Fee '' and a {$20.00} " Expedited Delivery Fee. '' I called Mr. Cooper to complain about these fees because the {$50.00} in fees is for simply pressing a few buttons on Mr. Cooper 's computer system and sending an email with a .pdf of the pay off report to the title company. To the best of my knowledge, we never signed a document agreeing to paying Mr. Cooper these two fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: ID Analytics, Inc.
State: WY
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 is incorrect

Complaint:
I applied for a XXXX card and was told to call customer service to verify my identity. I called customer service and had to correct my social security number. Once she ran the credit check and identity verification, i was denied. Before I could request a reconsideration, the representative stated the denial was because Sagestream LLC is reporting me as deceased. I contacted Sagestream LLC on Saturday but their office was closed. I contacted them again yesterday, XX/XX/2019, at XXXX EST ( XXXX PST ) ; however, I consistently kept getting the automated message saying their office opens at XXXX, yet it wasn't open. I left a detailed voicemail with the help of my financial counselor and provided a call back number. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to unfreeze my credit with all three credit services in order to refinance my mortgage. This is a time sensitive process and all three companies promote easy web based freeze and unfreeze procedures. 

However when I try to login to Experian website they do not recognize my login credentials.I suspect they deleted mine and many others credentials in response to security breaches. 

When I follow their procedure for 'forgot username ' they do not recognize my email address so will not send me my my username. When I follow their procedure to resolve this they ask for my social security number and date of birth. When I enter these they say they don't match their records. Good grief, I think I know what these are!!!!! Tried multiple times and there is zero chance I entered them wrong. 

So there is no way to unfreeze my credit online or access my Experian account. 

I called Experian at XXXX I followed the voice response unit instructions to unfreeze my credit entering SSN, PIN, start and stop dates etc but this does not result in unfreezing credit report ... .it only gets you to instructions on how to unfreeze by mail or website. I already tried there website and the mail is not an acceptable solution ... .this process is time sensitive. 

Experian provides no opportunity to speak to a representative to resolve their website login issues and therefore their claim that the consumer can freeze and unfreeze credit reporting easily is false. I tried to resolve this with them on XX/XX/XXXX and XX/XX/XXXX without success.

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 2019-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, I would like to comment, I have been filing complaints since XX/XX/XXXX Complaint Number : XXXX. S.P.S. is totally disregarding all complaints and NOT ANSWERING, my concerns. The last complaint was closed out with, CALL OUR FORECLOSURE LAWYER. This kind of behavior is UNNACCEPTABLE, S.P.S. seems to not understand the complaint, or choose not to, and we let these companies take hard working people 's homes from them? Complaint 1, Why did you S.P.S. close out the account in XX/XX/XXXX, with the Credit Reporting Agency, XXXX, as, DEED IN LIEU OF / BANK LIQUIDATION. ( see attached photos ). Complaint 2, I had the Attorney Generals office of XXXX XXXX, fax over to S.P.S. ALL of my financials and you S.P.S.  do not even acknowledge getting them other than in the last answer to my complaint you stated that they were not ledgeable. Impossible as they were mailed out to the Atty General 's office and then you, S.P.S. NEVER NOTIFIED ME, that you got them nor requested additional copies as YOU, S.P.S. had no intentions on working this issue. Oh, I did call YOUR LAWYER, S.P.S. and they told me that YOU, S.P.S. tell your customers ALL THE TIME TO CALL XXXX and XXXX, I did speak to them this morning, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation