BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Unfortunately, I have fallen victim to a scam transferring funds to someone through Zelle from my bank account. Sunday XX/XX/XXXX I had sent {$1000.00} to someone I thought I could trust from XXXX who was claiming to be helping people become " XXXX investors '' by sending money to him in return, receive a larger payout. I was told there would be " XXXX meetings '' with the " investors '' in which they would send the payout through check by mail within a couple days. I was not thinking straight and I just wanted a quick way to earn cash so everything I was being told seemed legit about how the process worked. I only started to get worried when I wasn't receiving any XXXX  Call links that I was told would be sent to my email and they were responding very slowly until XX/XX/XXXX I was no longer able to send text messages or XXXX  messages to them. I then became worried and contacted my bank as soon as possible but reading the fine print, they do not offer any sort of protection against these disputes. I'm worried because I gave them my address that I thought they would be sending a check too and I live with children and I do not want anything to happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Roosen, Varchetti & Olivier, PLLC
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: Account status incorrect

Complaint:
The account was paid and closed and told they would remove from account. This was done XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Rocket Mortgage, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage has tried to slam me into agreeing to a refinancing my mortgage. They wouldn't tell me the cost of the refinance they suggested, and when I said no they won't stop calling me at work. I have contacted them and asked them to stop calling me at work. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since XX/XX/2020 my TD Bank account has been frozen and my login credentials updated to lock me out of my account. When I called them and went to a branch manager the only thing I was told was that my account was sent to fraud for a fake account. I brought that exact check to a branch in XXXX pa and they refused to even look at it. I called the main td line to figure out why I cant even access my account. All they told me was somebody in td was looking into it with no name or number on file. I have since called them every week at least 3 times a week to no new information. Most of the time I call they hang up immediately after I give my account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a loan from Marcus ( Goldman Sachs XXXX in XX/XX/XXXX. In XXXX of XXXX I reached out to explain I switched banks and was making a manual payment. They explained that they thought everything looked ok. In XXXX and XX/XX/XXXX I reached out a number of times to further explain 2 basic things - I changed bank accounts to debit for loan payment, and that I was out of town caring for my mother who fell ill and is XXXX years old. I was told everything was fine and they couldn't determine the actual due date vs if a payment was late but everything " looked fine on their end '' I was told. I made manual payments but in XX/XX/XXXX I was alerted that XXXX had reported my payments as 30 days late for both XXXX and XX/XX/XXXX. I have never been late and according to the information I received from XXXX directly I was not late in making those two payments. 

They updated my credit and then late payments were removed. On XX/XX/XXXX I was alerted by my credit report tracking that I was now being reported 30 days late twice back from XXXX and XX/XX/XXXX on XXXX. Further more I am being reported 60 days late twice for XXXX and XX/XX/XXXX on XXXX. The mis information I feel only reflects the inability to keep the story straight on XXXX ' end. I am not sure what the issue is but I reached out to explain directly to the executive offices immediately when I was aware of the reporting, and asked why am I being reported late where there was obvious mis information provided to me back in XXXX and XX/XX/XXXX that indicated to me there were no 30 day late payments. Let alone 60 day lates. 

In XX/XX/XXXX I applied to refinance my home mortgage with XXXX Fico scores. On XX/XX/XXXX my scores dropped to XXXX XXXX because of the wrong information Marcus by Goldman Sachs reported. And they are reporting different information to XXXX ( 60 days late 2x ) vs XXXX ( 30 days late 2x ). When I was according to their own customer service department not late ever. I have perfect credit before and after this incident and looking for some assistance in getting this cleared up as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On recorded phone calls ; I was given different pay off balance amounts of a {$0.00} balance in the XXXX of XXXX on several occasions when I spoke to the Select Portfolio Servicing representatives. I was also told on several occasions that my balance would be {$60000.00} on XX/XX/XXXX. Then I was provide in XXXX that I would have to refinance or get a new loan of {$200000.00} in XXXX of XXXX. 

Some of the representatives that I spoke to were argumentative that they were right and I was wrong and if I was provided misleading information on the mistake of a representative that was most likely fired. I requested to hear or have someone in management review these recorded calls where I was provided misleading information regarding the alleged loan balance the I felt was paid off. I was denied of these requests for review of all of the recorded calls of the misleading information over the years that I made on time monthly payments to Select Portfolio Servicing, LLC. I also requested information on who is the owner of the alleged {$200000.00} note that Select Portfolio Servicing which I learned it was a part of MERS. During my research I learned this note was a part of the robo signing scandal where the chain of title was broken from whom the actually is the note holder. 

Furthermore, I had an official secularization audit down on the loan for XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX that highlighted the loan was securitized and paid off. I am disputing the amount of the payoff of {$200000.00} has I had to sell my house in XXXX as of a result of not being able to refinance to payoff the alleged {$200000.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I recently filed a complaint against the credit bureaus because my personal information was wrong, since it contained names and addresses that did not belong to me. Recently already removed this false and misinformation. What it hasn't removed is this collection account that PortFolio Recovery is reporting to me that it doesn't belong to me. I have no knowledge of where that debt comes from. A month ago I sent a debt validation letter and to date I have received no response. 

I want you to send me all the evidence or remove it from my credit report since this account is preventing me from having the credit approval that I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX  Account XXXX with XXXX and Trans Union 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. XXXX and Trans Union should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been removed.

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 2019-04-03
Company: CORELOGIC INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2018, Credco ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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 2017-05-10
Company: EQUIFAX, INC.
State: LA
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 been the victim of on gioing ID THEFT and have fraud items reporting on my credit report, I have enclosed supporting documents supporting this. Please remove the listed fraud items on the documents thank you Please correct my address to  XXXX  LA  XXXX   XXXX   XXXX  LA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: NC
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:
reason- I contacted Experian on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Experian sent me back a dispute result where they claimed to have verified in which Experian has not furnished any documentation whatsoever which means they are reporting false information.

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 2020-09-21
Company: ProCollect, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I paid rent to the leasing office of The XXXX apartment complex in XXXX, KY. The leasing agent lost the check. It was quite the ordeal. The office staff went back and forth with me for several days before admitting that they in fact lost my rent check and would make it right and would not charge me rent due to the mishap on their end. I left the apartment in XX/XX/XXXX. I turned in keys on XX/XX/XXXX. They apparently didnt update their records until months later because they served me an eviction notice and attempted to serve me forcible detainer for an apartment I didnt even live in or have possession of. I have continuously contacted the leasing office, the apartment communitys management company and the collection agency I now have an alleged debt with for over {$700.00}. The leasing office intentionally leaves me on hold for long periods of time. The management company based in XXXX, GA. gives me the run and around, and the collection agency continues to try to collect money from me that I simply do not owe. I cant get anyone to call me back or help me resolve this matter. It is damaging my credit and prohibiting me from obtaining housing. This is all started with one rouge leasing agent in the leasing office that will not take accountability for their mistakes and now Im suffering the repercussions of their blatant carelessness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: KY
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 2023-02-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Account # XXXX XXXX XXXX XXXX I have had a credit card with XXXX XXXX XXXX for many years now. We use it to buy new tires for our vehicles, as they offer a 0 % interest rate. 

In XX/XX/2023, I paid off the balance, as the 0 % promotional interest rate was going to end on my tire purchase.. Apparently XXXX XXXX has switched credit card companies now to I believe Comenity. Even though I paid the balance of {$180.00}, they apparently charged me the entire year 's interest the day the payment cleared. They did not clear the payment til a few days after I submitted it, which was after the payment due date. We were on vacation for the XXXX XXXXXXXX XXXX holiday so I paid it online. 

I have never had a 0 % interest card add the componded interest for the entire 12 months, when the 0 % promotional period was over. When I try to call, the customer service representative is in another XXXX and does not understand what I am asking. It was also quite noisy in the background. I also found out when they switched banks handling their credit cards, my account was closed last year and I was never told. I have tried emailing their customer service and mailed a letter to their address in XXXX XXXX, SD and receive no response on waiving the now {$340.00} balance. I also reached out to the XXXX XXXX XXXX  and XXXX XXXX has not responded to their inquiry either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX Account # 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 instructions

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 2021-01-25
Company: JPMORGAN CHASE & CO.
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 paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After losing my wallet my identity was stolen and compromised. The following accounts are unknown and unauthorized and shall be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$1100.00} 2 ) XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX {$460.00} 4 ) XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$4400.00} 6 ) XXXX XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Bright Capital Inc
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
have been dealing with this issue since XX/XX/19. I never hit continue or agree to any of the charges on the app. As soon as I realized there were fees attached I exited the app and deleted it, however I was still charged the XXXX after I had cancelled the subscription

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a direct deposit with XXXX to pay my rent monthly, but since XX/XX/2023, I noticed that I've been charged by Wells Fargo Home Banking on my XXXX account. I contacted XXXX several times about been charged twice for my rent. XXXX told me that I was not have to pay the next month, but again I was charged twice on my account on XXXX, XXXX and 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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is another item that popped up on my credit bureau that does not belong to me. I have not used my name or social on any accounts before. There should not be anything reporting on my credit report. I want to have this item removed. It is from a company called XXXX XXXX and original company XXXX XXXX. I found the info on my XXXX XXXX report last week.

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