BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX Inq XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Source Receivables Management LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have spoken to the original creditor of this account who has stated there is no balance owed on any account with them as payment has been made in full. They have stated that they would reach out to the collection agency that was assisting on the account for them and have them delete the account from all reporting agencies as there is no balance with them and the balance was paid directly to the creditor. 
The amount disputed is XXXX Paid in full directly to XXXXXXXX XXXX  in guaranteed funds there is no contract or agreement of any balance owed between myself and source receivables.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: CA
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:
During XXXX and XXXX, I was traveling in the United States and XXXX on various Musical Tours. A few times within that period I tried to make my payments via XXXX  XXXX XXXX app and their website however I had some difficulty with the payment processing. As a result, my payment never went through and I received a late payment flag on my credit report. 

I tried explaining this with various XXXX XXXX representatives and they mentioned there was nothing that could be done which had me contacting CFPB. 

I have a great payment history with XXXX XXXX and have had my credit limit on my cards increased by them without any inquiry. 

This was an unfortunate circumstance beyond my control but my record speaks for itself as I am in very good standing with them.

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 2021-11-26
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX XXXX loan. XX/XX/XXXX I requested a XXXX XXXX loan forbearance. After the XXXX XXXX, I requested an extension. In total I have had XXXX XXXX of XXXX. My reading of the cares act states if I had been in an active forbearance plan as of XX/XX/XXXX, which I had, that I would be eligible for an additional XXXX XXXX for an XXXX XXXX total. I write Murder mystery party games for people to host large parties in their homes or businesses. My XXXX year old business has been impacted greatly by the pandemic. I have fixed up my home and had plans to put it on the market, but my XXXX XXXX lender, which is Rocket Mortgage has denied any further extension saying XXXX XXXX  only allows XXXX XXXX  period and they answer to their investors and not XXXX XXXX  or the XXXX XXXX Thats twice Ive heard that one. I tried to do a loan mod once before XXXX  years ago, but they only reduced my payment by {$50.00} and extended my loan by XXXX years! I still made the XXXX  months of required payments then they denied me the mod because I contacted XXXX XXXXXXXX who got involved because they werent following guidelines. They lied either in the loan modification process saying my home was worth {$210000.00}, which prevented me qualifying for a lower interest rate, but when I filed bankruptcy directly after, they filed paperwork saying my home was only worth {$160000.00} to prevent me being able to sell it under the bankruptcy : I have both of these sets of paperwork showing that. So according to Rocket mortgage twice filed legal paperwork, my home value decreased by {$45000.00} in XXXX  months and this was BEFORE XXXX. Nothing in my home had changed except aging XXXX more months. I borrowed money from my family to fix up my home and make it marketable for max value, which is almost complete and now I cant get the extension so I can actually sell my house after the work Ive poured into it, but my guess is Ill get foreclosure paperwork that puts it up for sale by auction in a month. If they follow the same pattern as before, a loan mod with a {$50.00} reduction as before wouldnt give me an affordable payment either. The paperwork shows they will lie cheat and steal. Simple as that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Advanced Resolution Services 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:
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute a past due payment on my credit report. XXXX has been reporting late payments on tradeline XXXX account number XXXX inaccurately on my consumer report. I have reached out to XXXX for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything. 

It is almost impossible to get ahold of anybody on the phone from Experian, XXXX, or XXXX even if even when your a paying customer. I want my money back. I am dissatisfied by your service. They are basically using my information without my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that Experian, XXXX and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. Please fix the technical errors in your system. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. Experian, XXXX and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and recommend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.

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 2017-10-31
Company: Experian Information Solutions 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:
On XXXX XXXX, XXXX around XXXX p.m. I contacted XXXX XXXX to inquired about an account that was unknown to me reporting on my Experian credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the XXXX or owner. She tells me that she is the assistant XXXX. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XXXX XXXX, XXXX around XXXX p.m. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XXXX XXXX, XXXX I receive a credit inquiry alert saying that XXXX finance did a credit inquiry for an application or loan. I then spoke to XXXX on XXXX XXXX, XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. XXXX got mad because I asked her how can there be XXXX different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to Experian and they refused to dispute it and told me I needed to contact the creditor to get it off.

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 2017-10-29
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: Their investigation did not fix an error on your report

Complaint:
I have tried twice to have Equifax remove XXXX medical bills that belong to my sister, XXXX XXXX XXXX XXXX. I personally called the recollection agency and checked to see if the bills were listed under my sister 's SSN and not mine. They informed that the bill was associated with my sister 's XXXX. The bills date to XXXX and XXXX XXXX. XXXX is for ambulance service totaling {$1500.00} and a medical bill XXXX {$640.00} XXXX for XXXX XXXX, both in Louisiana. I have told Equifax that because my sister and I have similar first names, someone at Equifax got us confused and placed the medical bills under my name. But if they would check the XXXX 's, they will see that the bills are not associated with my XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: XOOM CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Starting the week of XXXX XXXX I 've been trying to send money to XXXX through Xoom a company affiliated to Paypal but I have n't been able to do it because all of my attempts get canceled. 

I 've never opened an account directly with xoom but I was able to send money with my XXXX account -XXXX until recently that I had to create a xoom account because the other one it  is a paypal account and not a xoom account and I was't able to use it on the mobile app of xoom.

I called the verification department of xoom several times asking for their help including supervisor  XXXX and over several hour long calls up to this date they have n't been able to help me with this situation because they say there 's another account open that I can not remember or I did n't created. I 'm aware of the risks that this situation brings to me, like for example the possibility of a money laundering scheme or problems with the IRS out of an identity theft for me. 

I believe the company might not be compliying completely and correctly with some U.S. Federal  Regulations including the Dodd Frank Wall Street Reform and Consumer Protection Act to detect fraud and other illegitimate uses of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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: Problem with personal statement of dispute

Complaint:
no responds from company or additional information on how to resolved issue half answer from XXXX XXXX still was notified of any changes or updates

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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Personal Statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BANK OF THE WEST
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.

As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements. 

We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements. 

We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2017-10-31
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have an investment mortgage with Shellpoint Mortgage Servicing. This loan originated in XXXX. 
I inquired into having the XXXX removed approx. a year and a half ago and did not continue the process due to the value not meeting the 70 % XXXX requirement. 
As property values have been on the rise, I decided to try again and called Shellpoint in order to find out the process of having my primary mortgage insurance ( XXXX XXXX cancelled. 
I requested to be mailed a letter on XXXX XXXX, XXXX. They emailed me a letter that had been issued over a year prior XXXX XXXX XXXX XXXX and said to use it as a guide to have your XXXX canceled. 
I called them back and requested to be mailed an updated letter of XXXXI cancellation instruction reflecting my current mailing address and current payoff amount. 
I called on XXXX XXXX XXXX and requested a new letter again be mailed to me as I never did receive the first one. They said they would issue a letter and mail it to me. 
I called on XXXX XXXX inquiring as to where the letter was because I never did receive one. 
I was told that they can not mail me a letter because I am unable to cancel my mortgage insurance ; This is what the representative told me : Per XXXX this loan is for a single family detached investment ( it 's actually a townhouse, not detached ). 
The borrower ( myself ) is not able to request cancellation of XXXX it is not permitted. 
And that when the mortgage is " midway '', XXXX XXXX XXXX, only then will the mortgage insurance be cancelled. 
I asked if I can just pay down the mortgage to 70 % loan to value ( XXXX XXXX in order to have it removed and was told that is not possible. 

Would you please review this matter on my behalf and possibly on behalf of other homeowners as well? 

Much XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello Two deposits were made via cash to my account. XXXX for XXXX and another for XXXX. The company XXXX Wells Fargo XXXX held the {$5100.00} stating that another person " accidentally '' or " was scared into '' making the XXXX. The bank believed their story although we have proof that they received XXXX worth of cryptocurrency in return. The bank THEN held the unrelated {$4000.00} from a separate transaction stating that they were holding it just in case another " victim '' ( as they say ) was to come forward, yet we had the transaction documented for this amount. This was from another customer that deposited {$4000.00}. The XXXX deposit was made Friday XXXX XXXX, XXXX, and the XXXX deposited was made Saturday XXXX XXXX. This is XXXX total that we have not been able to access and has crippled our company and business relationships. We contacted Wells Fargo immediately and were given no answer for two weeks. It was at that point when they told us that they were going to hold the money. We went to the bank and still were given no answer. We continued to call thereafter approx 15 times and still have not received a call back. They would just keep saying XXXX XXXX XXXXXXXX '' is the only person who could even speak on the case. XXXX has yet to call us with updates and I have left numerous messages. I did not record the dates and times of the messages. I contacted and aid a lawyer to advocate for me but I still have no answer, and they still have my XXXX. I do not know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: DISCOVER BANK
State: MS
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:
Someone is using my information for apartment leases and try to open a credit and also trying to get loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive filed a dispute in regards to XXXX XXXX XXXX Account Number : XXXX It has been well over thirty days and I havent received any investigation results.

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