BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
On XXXX/XXXX/2016 I requested a freeze on my Equifax credit file over the automated line XXXX. 
The freeze request was accepted. A letter was to follow with my XXXXdigit pin number. 
Over one month later nothing has been received. Equifax has my correct mailing address as I have recently received mail from them. So now I am locked out of my Equifax credit file. 
There is no person customer service number for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several inquiries on my report from companies, I do not have any accounts or services with. I did not authorize these companies to access my credit records under any circumstances. These inquiries appear on my XXXX as well as my Equifax accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've just reviewed my Credit History Report and have seen only 2- Late Payments, I ca n't seem to understand, how my Credit score can be this low, when all of my other Credit Bills and Payments are always on time, also, by the way the XXXX has to be a mistake they probably posted my payment late, the legitimate late payments have only been with XXXX back in XX/XX/XXXX-XX/XX/XXXX and that 's it, I know my scores last year was in the XXXX, how could they go down now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Paramount Recovery Systems, L.P.
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:
XXXX will not remove Paramount Recovery Systems from my credit report. I have tried for almost 2 years. It belongs to someone else or it's FRAUDULENT. Because Paramount Recovery Systems is on my credit report they have access to my report and when I changed my address and added my phone number XXXX so I could Freeze my account, Paramount Recovery Systems accessed report, so when I dispute said charges they use the info from my credit report ( i.e. phone #, address ) and in turn XXXX tells me, it must belong to me because the address matches. 


XXXX refuses to reinvestigate the fraudulent charges. I was under the impression that by law they had to. XXXX is above the law I guess. 


My car insurance rate is negatively affected because of these charges. And I keep being denied credit because of it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: BB&T CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on XXXX XXXX. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and obtain new credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After noticing several invalid charges in a XXXX XXXX, XXXX statement, I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request ( " QWR '' ) challenging {$670.00} in insurance charges and {$660.00} in eviction charges. Since I have never let my homeowners insurance lapse and have not been evicted, these charges were obviously wrong. 
In response to my QWR, SPS removed over {$5000.00} in forced placed insurance charges and {$660.00} in evictions charges. SPS ' excuse for charging me over {$5000.00} of forced placed insurance was a rescinded foreclosure sale in XXXX of XXXX. 
However, the unlawful sale was rescinded almost immediately and my homeowners insurance was still in place. SPS gave absolutely no valid reason for charging me Eviction Fees and Costs in XXXX XXXX other than " because we can '', and the charges were clearly removed because of my QWR. SPS failed to provide any details for the charges or to identify who provided the " service '' for which I was charged.

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 2016-05-28
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a dispute through the Bureau of Consumer Financial Protection with the above referenced case number XXXX. Equifax did not in any way investigate the item I am requesting be removed! They sent a credit report with history from my car loan with XXXX, and then also made a statement twice on my student loan history that I disputed that, which I did not do. I have no issues with either XXXX or XXXX! I 'm paying on time and accurately. The item I am requesting be removed or investigated with evidence is a public record with the XXXX XXXX County Court! I have contacted the court and there is n't a record in my name. Equifax did not provide me with any record or documentation! Now, they are ruining my report further by making statements that I asked to investigate XXXX, which I did not do! I 'm beyond furious and disgusted with this company and the result. They should be shut down for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit institutions reporting incorrect and inaccurate balance information regarding an auto loan listed as mortgage from XXXX XXXX XXXX as {$13000.00} whereas it is {$1500.00}. This was settled by XXXX/XXXX/2016 as shown by attached documents furnished to me by XXXX themselves. I have equally asked XXXX and all the XXXX credit reporting institutions to correct the record in vain resulting into me having to return a leased car as dealer failed to secure a financier due to the inaccurate reporting. Likewise I can not secure funding of any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my Equifax Credit Report they have displaying a XXXX CREDIT CARD late payments. I have had this credit card since XXXX 2010. I contacted XXXX CREDIT CARD and they confirmed I do n't have any late payments and that my account is in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, I began the mortgage application process with Quicken Loans.  The prequalification process went smoothly. It took some time to secure a contract that put us under a time constraint.  Before we committed to the contract, we wanted to be sure it was feasible to close.  I submitted a written request to expedite which was approved.  Not only did they assure me it could be done, they assured my agent, the listing agent and the seller's lender it could be done.  The city where I was purchasing had a natural disaster.  From experience, I knew that re-inspection requirements could impede the appraisal process.  I brought up my concerns but I was assured there would not be a problem.  Ultimately, it did create a problem. I received an email from the agents indicating the appraisal had been assigned and it looked like we wouldn't be able to close.   The appraiser could not even inspect the property until the day before the scheduled closing.  I immediately tried to address the issue.  A company as large as Quicken should have the ability to find a way to honor their commitment.    I requested escalation but ended up being referred back to the processor.  I did not get my concerns responded to by another party until after the transaction was no longer viable.  There were also some other concerns that I had with the process:
1) I was not able to view my GFE before paying a XXXX commitment fee
2) Reluctantly, I did pay it.  However, I was not able to review my GFE before being asked to sign documents.  The GFE was towards the back of the package.  I would not sign until I was able to view it.  When I did I found that I was paying points for the rate that I locked.
3) When I locked my rate, I was not told the cost of that rate.  When I saw it on the GFE, I complained and my concerns were given to the originator's manager and addressed.
4) There is not a sufficient complaint resolution process.  Each time I tried to escalate my concerns about the appraisal, I was referred back to my processor.  The origination group could not provide assistance in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; Please help and intervene and take over this process. SPS has placed my mortgage resolution in to a cookie cutting process that does not appear to be sensitive to my unique circumstances. The fraud in XXXX mortgage origination and XXXX modification. 

Origination : XXXX did not disclose that the mortgage was not economic ; The P & I is less than the taxes. Who buys a house to pay taxes? A home is purchased as an investment and not expense. 

I was given XXXX mortgage to conceal the true leverage for XXXX. I thought one was a credit card. 

Modification The XXXX XXXX XXXX modification did not provide a reduction in principal and interest. 

The P & I after modification was higher that at the origination. 

The modification did not provide a principal reduction. 

I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a major cardio arrest in XXXX. XXXX. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 



An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I would like to file a complaint against Quicken Loans, I completed a mortgage application that has not given me a refund of my " appraisal fee '' as I had previous appraisal that was used with their loan product. I was denied the loan almost two months ago and have not been able to get a response to get my {$400.00} fee refunded as Quicken Loans never conducted any appraisal or paid any third parties for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This XXXX account has not been updated BY XXXX in almost 10 month, rendering it orphaned, and wholly inaccurate. 
1. The Account Balance is incorrect 2. The Last Payment Date is incorrect 3. The Last Payment Amount is Incorrect 4. The Scheduled Amount is inaccurate 5. This account has a comment - which is also inaccurate, and NOT provided by the creditor. 
" Charge, Amount in H/C column is credit limit '' " High Credit = XXXX, which is NOT True. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initially disputed my DSNB/Macy 's account in which I stated I was never late but it shows late XX/XX/XXXX In addition, there is no data reporting for the account during XX/XX/XXXX to XX/XX/XXXX. Why is there no data reporting for these particular months? I requested that Experian confirm with XXXX XXXX the validity of the late information and verify with proof where the statement was mailed because I never received. Also, on my https : //usa.experian.com account that I viewed from my cellphone on XX/XX/XXXX it showed a status updated on XXXX/XXXX/XXXX, balance updated on XX/XX/XXXX and account paid satisfactorily. How can I then receive an investigation with the account reflecting late and no information being reported and closed in XX/XX/XXXX which is incorrect? It appears someone is attempting to keep the account from going to a positive status.

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 2015-05-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: CORELOGIC INC
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.

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 2017-03-02
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am submitting this complaint due to me reaching out to Selene Finance on numerous occasions concerning all the different letters that I receive from this company concerning my mortgage. I have gotten at least XXXX different letters stating XXXX different amounts then on top of that I got certified with a letter of intent after we had signed modification papers on XXXX/XXXX/2017 along with the first payment in which you guys asked for it in the document. I have attached the documents that I have an issue with. The sad thing is I have spoke with at least XXXX different people who continue to tell me our information has n't been updated and to keep calling but you continue to send me papers dated for XXXX/XXXX/2017 and XXXX/XXXX/2017 but I called on the XXXX/XXXX/2017, XXXX/XXXX/2017 and XXXX/XXXX/2017 so you definitely should have been able to deal with my issues or questions concerning our mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute online on XXXX XXXX, 2016. As of XXXX XXXX, 2016, I had not received any proper notice of investigation results so I sent a letter to Equifax, certified mail, return receipt requested, informing them that it had been over 30 days and I had not received a response. I never received anything in response to my letter dated XXXX XXXX, 2016, which is attached for review. However, on XXXX XXXX, 2016 I received results where XXXX of my items were deleted accurately from my file however, the other XXXX listed were not deleted and continue to be inaccurate and should be removed as well. Upon calling the number listed ( XXXX ) on XXXX XXXX, 2016 and XXXX XXXX, 2016, speaking with five different representatives, many located out of the United States, I just could not receive the necessary and adequate help needed over the phone. The representatives appeared unknowledgeable regarding their own practices and policies at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TO, CFPB I have checked my credit report and found that all my credit is missing. I have utility bill s payed, I have car insurance payed for 4 years, I have apartment payed for for two years faithfully, and phone bills, cable, an inter net. I would Like to re submit all the bills and information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Contacted Equifax to update my balance and credit limit increases for XXXX credit cards. They filed a dispute and ask for proof of billing statements. They asked me to fax them info of this. They completed the dispute and removed credit limit and placed my balance at XXXX. I have contacted both creditors who showed me proof they submitted this information. XXXX XXXX and XXXX happily and easily updated required information however, Equifax refuses to budge not matter what evidence I present to them. They were even able to view reports from other agencies and refused again to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When I go online for the Free annual credit report, the security questions provided by Equifax do not apply. In other words, the selections they give does not apply to my history and I choose the answer NONE APPLY. This happens every time I try to get my annual credit report. It is too much of a hassle to go get a copy of my drivers license, pay for a stamp and drop off the post office when I 'm in a rural area. I should not have to keep going through this when I am entitled to my annual free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to obtain my free annual credit report using AnnualCreditReport.com ( ACR ) but Equifax keeps denying access to the report and instead redirects me to a page where I have to buy the report. Also, the ACR website will not allow me to submit a complaint about the problems with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Rosebud Economic Development Corporation
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a letter from XXXX, Esquire at XXXX, New Jersey XXXX ( XXXX ) XXXX ( XXXX ) XXXX This was received on non letter head on plain paper stating I that this person is an attorney and I owe First Pay Loans {$1700.00} - its stating fake laws that I owe and I have 30 days to respond. 

From research of this company in the past, this sounds like a scam.

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