BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: PA
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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2016-08-10
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Case number XXXX They still won ' give me my money. I can not do what they ask it is impossible. Please help me to the next step so I can get My money Back. By the way I called them to get specific information on my loan they said they understood what I wanted but kept sending the wrong stuff. They were rude and being difficult on purpose. I needed the part in the contract that says that if XXXX XXXX or should die the house automatically goes to living person.. I gave plenty of information to them about his death and that my name was on it. They are harrasing me. The person, XXXX XXXX XXXX call any one about his death and she will not cooperate with me. Do I have a legle case to persue or is Umpqua Bank going to be able to still my money. AS i said once before I will sue for harrasement and theft.

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 2016-09-27
Company: First Associates Loan Servicing LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX XXXX XXXX from XXXX. I am now {$47000.00} in debt with both federal and private loans. I was told that my private loan company PEAKS was owned my XXXX XXXX and they have been sued this past year. I do not understand why I have to keep paying {$200.00} a month to this company if they are owned by the school that was shut down for fraud. XXXX XXXX also lost it 's accreditation recently. So XXXX XXXX was shut down for fraud and they are no longer accredited, but they expect me to keep paying both my federal and private loans for a degree that no longer even means anything. That {$200.00} a month is just the amount in private loans. I owe over {$8000.00} to PEAKS private loans and over {$33000.00} to XXXX Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi Sir, I would like to file a complaint against Wise US Inc . 
I was victim of a scam. The scammers robbed me XXXX USD from my Wise account. I complained to Wise and the final answer was that I will not be refunded. I believe I should be refunded. Below you find more details. 

I tried to make several XXXX transfers from my XXXX  bank account ( XXXX XXXX ) to my Wise account. Due to the international sanctions applied to XXXX, it was extremely difficult for me to get these transactions done. XXXX  scammers approached ( pretending to be from the Customer Service ) me and told me that they could help me to finish this process. They said all I had to do was to transfer money to one Wise account and then I would get all my transactions done. So I transferred XXXX USD to another Wise account ( transaction number # XXXX ) and then I realized I was a victim of a scam. As soon as I realized I was a victim I contacted Wise and filed a report to the local XXXX  authorities. 

After some investigation Wise confirmed the scam and denied my right to get a refund. 
As I'm a resident from XXXX, I also tried contacting XXXX XXXX XXXX and ask for a refund. But they responded that since the transaction was carried out in USD, they can't help me. They said I should report to the US Wise team, because the transaction was carried out in USD. 

I believe that since I am a victim, and the scammers used an Wise account to carry this scam, Wise should refund me 100 % of my loss. 

Attached to this file you find : - A police report ( XXXX  ). It is in XXXX. But I can provide translation if required. 
- Conversation screenshots where the scammers tell me I need to use Wise to get help. 
- Scam transaction pay receipt. 
- Official response from Wise XXXX ( where Wise XXXX are ) based team where they confirm I was a victim of a scam but can't refund me. 
- XXXX Video Call record. Since the scammers contacted me through XXXX, for safety measures I decided to record the video call. There you find the exact moment I realized it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My roof was damaged in a storm on XXXX XXXX XXXX. My insurance XXXX sent me a check to have it fixed. I sent it to my mortgage company which was XXXX XXXX XXXX, certified mail only to find out I was no longer with XXXX and that Shellpoint Mortgage was now serving my loan. I have been in bankruptcy for the past 2 years and was never notified this change that took place. Which in fact is the mortgage companies responsibility to let the insurance company know of the change. I had my roof repaired on XX/XX/XXXX and sent the check out certified to XXXX XXXX where XXXX XXXX  was located not yet aware of the change The check was than forwarded 2 times in XXXX AZ, 2 more times in XXXX XXXX XXXX and then 1 more time to Ohio where Shellpoint is located. After all of that they could not endorse the check due to their name not being on it and sent it back to me with the wrong return address on it and it ended at a lawyers office in XXXX and they in turn forwarded it to me. This took about 2 plus weeks. 
How could my NEW mortgage company not know my address. I recently sent the re-issued check and I need it signed immediately so I can pay the contractor that fixed my roof. This has been 6 weeks this man has been waiting to be paid. Everyone is experiencing difficulties at this time and he sure could use this money I owe him. Shellpoint is pathetic and I would like some help if possible. I have contacted the XXXX and I have read complaints regarding similar things that other people have experienced with them also. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Carter-Young, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been a tenant at XXXX XXXX or Carter-Young.  The account and debt collection does not belong to me. This has been on my credit report since XXXX and Ive been disputing it ever since. This false debt collection has hindered me from being able to get an apartment in 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 2020-06-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinance my home on XX/XX/20, this was the closing date. I identified a problem the week before with the tax information they were using to calculate my Closing Disclosure. They had the wrong property they were getting the tax information on. I even sent them the correct tax ticket. The loan closed, I was charged {$250.00} to pay a tax bill of {$34.00}. I have been trying to get Lakeview Loan Servicing to fix this. The closing agent they used has paid the tax bill and they are waiting for Lakeview to tell them what to do with the money. I'm a XXXX veteran, so I am exempt from paying taxed on residence and 1 acre of land. My tax bill for this property is for the additional 14 acres I own with it. This should of been fixed before closing, but that bridge has been crossed. I do not understand why it takes them over two weeks to correct this issue. I have sent them several request and I have called several times. They never formally responded to my first written request on line and they refused to put in touch with the escrow department. Lakeview Loan Servicing, PO box XXXX, Virginia XXXX VAXXXX. These folks are spread out, so this may not be the actual office that would handle this. Their number is 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 2015-12-24
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This was back in XX/XX/XXXX I had a Santander USA loan and they repoed it XX/XX/XXXX I just put a complaint in about this no response since XXXX XXXX it is about the corporations also everytime I put a complaint since she has taken over u got to have millions of dollars to get anything done. Santander USA in NJ charged me on a XXXX XXXX XXXX XXXX $ for 74 months interest rate was 22 %. Yes I have put a complaint but havent got a response so I figure do it again this is what I get fidnt u just put a complaint in for this!! Yes but I guess people in XXXX XXXX are having brain freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: WA
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 file an indentity theft report.This account was opened fraudulently without my consent.

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 2016-10-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Cash advance

Complaint:
I paid my car lease on my credit card with Chase and was told there was a fee attached, {$21.00}, I understood and went through with the payment. On my following credit card statement the lease payment was n't there ( it was after the cut off date of the statement ). I paid the credit card in full. The following statement showed the lease bill paid and the {$21.00} fee attached. But on this statement they charged me {$10.00} interest fee. I called up and spoke to a representative who said that even though no interest was shown for me to pay on the statement and I paid in full, interest was acuring. I asked how could I pay what I did n't see, she said I should have called Chase to see what amount I owed and she could do nothing about the {$10.00} interest. I then paid that statement in full including the {$10.00} interest. This month I received my statement with another {$3.00} in interest. I called again and was told basically the same thing, I should have called to find out the right amount to pay. I ca n't understand why would I have to call to find out the right amount when I pay what the statement says. This is the second month being charged interest for an amount I could n't see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did a loan modification for me. During the 3 month trial period, they reported me as late for all 3 months. ( XX/XX/2016,XX/XX/2016,XX/XX/2016 ). I noticed the discepency XX/XX/2016 and immediately called the company to ask for a credit repair which they assured me they would get started on. This has still not been done- 4 months later. Ive left several messages with my contact and their manager since XX/XX/XXXX and they always promise itll show up on the next month. They now wont call me back at all since XX/XX/XXXX. I was in escrow to buy another house when this all came about and I have since had to back out of the purchase and lost the opportunity. I went to see my lawyer and he suggested I contact CFPB. He was outraged that this company was able to just ignore me and drop their heels they way they have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate. 

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXX XXXX XXXX- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Valley Collection Service, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Valley collections mailed a notice initiated from XXXX. When XXXX were called to clarify why Valley collections were utilized to collect the debt, as no invoice was ever received. XXXX the billing manager from XXXX stated the invoice was mailed to an address that had not been current in over seven years. XXXX was asked to rectify the situation, and correct the error. I stated to XXXX that payment would be immediately submitted after the corrected invoice was received. After several months of communications there was no correction made, and the matter was reported to XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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 have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.

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 2021-11-18
Company: EQUIFAX, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BOK FINANCIAL CORP
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me, XXXX says my only option is a repayment plan. I have done what the letters say to get help, I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone, I give the papers back in less than thirty days like the instructions tell me.. in 14 days. It is hard to get that done with limited funds. I do n't know why this is happening or why I cant get assistance from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion has not properly investigaed the following item on my credit report.I have requested this valaidation numberous time before. No documenetaion has been sent to me for this unverified 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 explanation