BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus XXXX, Experian and XXXX. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.

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 2019-10-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Did a phone application to refinance with Quicken Mortgages. Rep initially  misrepresented or understated rates and costs of mortgage in order to obtain my approval to get my credit report. Then after the application was processed, the details of the loan were misrepresented and the rep would not provide the actual details in writing unless I agreed 100 % to accept the loan. I did not agree and asked several times to receive the details in writing. The rep agreed to send them but I only received my credit report. 
This seemed like a typical high pressure bait and switch sales approach. I do not think this is appropriate for mortgage sales and it does not help the companies reputation or reputability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold a boat on XXXX. Reveived {$500.00} down payment thru PAYPAL, About 2 weeks later the buyer picked up the boat from me and paid balance of {$920.00}, Buyer made the PAYPAL transfer when he actually picked up the boat from me on XX/XX/2019. 
Paypal has frozen my account demanding package tracking information and to verify a bank account, and copy of my state ID. 
I verified a bank account, sent copy of my licence, but since buyer picked up the boat i don't have tracking information. 
After many calls I was told it should be lifted within 24 hours, on XX/XX/2019. But instead of it being listed I got a email stating I owe them money from something linked to a email address never had, from a dozen years ago. I have been using paypal for years, but has always been small purchases I made, not recieved, If I owe them this money, why did they not ever inform me. Bottom line is they are freezinf my {$920.00}, even though they know buyer already in receipt of item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 2020-12-23
Company: EQUIFAX, INC.
State: IA
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 disputed some inaccuracies on my customer report and Equifax refused to investigate the matter per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 6th attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/201XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}

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 2021-08-26
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: Information belongs to someone else

Complaint:
Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA CB Indigo/GF # XXXX {$500.00}, XXXX/XXXX  XXXX  # XXXX {$680.00}, XXXX XXXX XXXX # XXXX {$2600.00}, XXXX # XXXX {$280.00}, XXXX XXXX XXXX # XXXX {$460.00}, XXXX and XXXX XXXX # XXXX {$350.00} Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Sm Bus Admin DA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Another user adequately summed up how this has impacted me ( please do not disregard as what follows is mostly copied verbatim ) : Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media -- seriously, there 's something wrong with the fact that I learned of this on XXXX XXXX and foremost ... and I keep up with breaking news on XXXX/XXXX/XXXX/XXXX constantly. Regardless, Equifax should have notified the millions of people whose information it compromised much earlier. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was garnished in the summer of XX/XX/XXXX by XXXX XXXX XXXX XXXX who represented Capital One Bank regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XX/XX/XXXX. I  assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the XXXX XXXX XXXX XXXX ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is XXXX XXXX XXXX responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XX/XX/XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XX/XX/XXXX and mailed on XX/XX/XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XX/XX/XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. XXXX XXXX XXXX XXXX currently owes me {$280.00} as I have overpaid on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Freedom Mortgage. We have a XXXX ( k ) FHA Renovation Loan, because we purchased a historic home that needed a lot of rehab work. Our loan closed in XX/XX/2013. 

Our loan documents state that we will pay a monthly mortgage insurance premium until our home reaches 78 percent loan to value of the original purchase price, assuming we paid an up front mortgage insurance premium - which we did do ( our loan documents confirm this ). 

Freedom Mortgage requires you to contact them via email to request information about removal of Mortgage Insurance. I emailed them to confirm the process, since we are just a couple of months away from reaching our 78 % loan to value to be eligible to remove the Mortgage Insurance. They responded with a letter with one line telling me that because my loan is a FHA XXXX ( k ) Renovation Loan, the Mortgage Insurance is required to stay on for the life of the loan. I responded with more information, and have now received three letters saying the same thing.

Federal rules changed in XX/XX/2013 such that many new FHA loans DO require Mortgage Insurance for the life of the loan. But our loan closed in XX/XX/2013, and so those new rules do not apply to our Loan. 

We have not refinanced. We are nearing the 78 % loan to value and in a few months will be eligible to request that the Mortgage Insurance ( quite costly per month ) be removed, per the conditions of our loan. But Freedom Mortgage is refusing to acknowledge this. I have sent them scanned copies of our loan documentation, information on the changing mortgage insurance rules, etc. They just keep responding with the same information - a one-line response saying the Mortgage Insurance will stay on for the life of the loan, blatantly different from the terms of our loan documentation. 

I even confirmed I am right with the loan officer who secured our original mortgage. 

When you call their number they provide, the people who answer tell you that they think you are right, but that they have no ability to communicate with the people who send the letters. In fact, they say the department that sends the letters does not even have a phone number. 

I am hoping this helps others and helps us to get the issue resolved.

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 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. You also did not notify anyone quickly enough and admitted that you will not notify everyone. There is also the fact that investors pulled out just before your stocks could plummet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX and asked for a forbearance which was granted for three months. Arvest Central Mortgage advised me that I did not need to make any payments until XX/XX/2019. I did make a small payment in XX/XX/2019 which was never applied to my account. I called in XXXX to set up a repayment plan and was advised that I could not make any payments and if I did it would be returned. I sent in the hardship application on XX/XX/2019 ( which was still within the month I should have been able to make a payment plan ) I was offered a six month verbal repayment but it was too large for me and I asked if I could not do the hardship that I could still do the six month and was advised that I could. I have tried to resolve and was declined for repayment and then approved and then upon doing a new application so I could have more time to get the required XXXX down payment together. This is just a brief overview. However I never received notice of a foreclosure action. As a XXXX  I discovered this on my own through court records but never from Arrest. Yesterday, XX/XX/2019 i received a letter declining my request once again even though I have saved the downpayment and can make the payments. Please advise. Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated in XXXX, when I started repaying my loans I realized I couldn't afford it. I made several calls in XXXX to try and get this managed, my monthly payments were lowered enough for me to afford temporarily. I ended up deferring my loans. I had a hard time getting approved for continued deferment despite being employed under full time hours and still being unable to afford the payments they were asking for. I was charged several late fees when I was trying to get them back into deferment and was told that I couldn't continue deferring them because of my employment status, even though I still qualified. I was never offered alternate repayment plans when I was on the phone with them. I tried to talk to someone about consolidation in XXXX and they gave me extremely confusing instructions and basically told me to figure it out myself ( which I didn't till later ). I can not afford $ XXXX a month for 300 months with XXXX children to support. This is absolutely absurd that they wouldn't work with me to try and get a realistic payment plan together or tell me about the public service loan forgiveness. I also find it interesting there is no access to billing history online, I think it's probably a convenient way to hide overbilling when my loans were out of deferment. I eventually gave up trying to get in touch and work anything out. My loans are still in deferment due to my employment status, I don't know what I will do when that changes and I have to try to get them to give me affordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Immense breach of highly sensitive data for a large portion of people in America including myself.

Company response to consumer: Closed with explanation