BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: Gordon & Wong Law Group, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX hired attorney Gordon & Wong Law group who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions 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:
On XX/XX/2021 I put Experian, XXXX XXXX XXXX XXXX on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. XXXX and XXXX XXXX both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

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 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 2022-07-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00} XXXX  XXXX  XXXX/ XXXX / {$840.00}

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 explanation
Consumer complaint received 2016-06-10
Company: Orions Management Group, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been receiving threatning phone calls and messages from Orions Managment Group XXXX concerning a charge off on my credit history which was paid through another company in XXXX. The continue to threaten me and has advised me that legal action will be taken to collect the remaining balance? i have no record of owing any further payments or any letter concerning the new collection agency. I have never beeen contacted from Orions until XXXX and they continue to harrasse me. They have contacted my daughter telling her it was an emergency that they reach me. I have been upset every night with the fear of the threats. The last call came on XXXX XXXX, XXXX from someone named XXXX? The number came from a cell phone XXXX registered XXXX. The company number is XXXX. This account was opened in XXXX with XXXX. I did not learn that it had been charged-off until XXXX XXXX after the other company had taken my money. The companies name is XXXX XXXX XXXX XXXX XXXX. They took over a thousand dollars to settle this account. I did not know that this money was not being paid to XXXX until I inquired the status. That company misrepresented who they were and told be specifically that they were collecting for XXXX. Now, here it is another fraudulent company trying to make me pay again. Orion 's has threatening to send me a warrant for court. Please help to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: MID-ISLAND MORTGAGE CORP.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage company ( Mid-Island Mortgage ) did not give me the 6 % allowed sellers concession by the FHA guidelines. They only gave me about 3.5 % even though it was agreed that the seller would allow up to the allowable 6 %. I been after them for over a month asking as to why and they would not give me a clear answer. I had to speak to the branche VP and he said something was wrong and he 'll look into. Had a conference call between myself, my attn. and XXXX XXXX ( branch VP ) he stated my cash to close was incorrect and was suppose to be XXXX dollars, when I paid XXXX dollars and said he 'll find out what happen as well as why I was n't allowed the 6 %. That was the last I heard from him. He has not returned my calls or emails for the pass 2 weeks. I had to come out of pocket last minute at closing to pay for the remaining closing fees, which I should n't have if they gave me the 6 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: RGS Financial, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I'm respectfully requesting that a 30 day late payment be removed. Thought I opted for automatic payments but I guess it didn't go through. So I'm wanting to remove from my credit report that the 30 day late be removed so I can purchase a home. The loan has been paid off on XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2022, I purchased the merchandise from XXXX XXXX XXXX. XXXX ( XXXX  ). On the merchants website, it showed the price of the merchandises in both XXXX Dollars and US dollars. I selected to purchase in XXXX Dollars using PayPal service which is charged to my XXXX credit card. 

After my order, I saw that the charge on my XXXX credit card from PayPal was almost XXXX XXXX XXXX dollars higher than the amount that the merchant shown on its website. Thus, I decided to cancel my order with the merchant. The cancellation was confirmed verbally via phone call and later confirmed by email by the merchant. 

On my XXXX statement, it showed that I was charged by PayPal in the amount of {$6100.00} and refunded in the amount of {$5800.00}. The difference between the two amounts was {$240.00}. 

I contacted XXXX and their response was unable to adjust the amount of differences. I also contacted PayPal but not satisfy with their response. 

After that, I also asked for help from XXXX XXXX XXXX XXXX ( XXXX ) which ia affiliated with XXXX television. On XX/XX/2022, XXXX XXXX XXXX XXXX informed me that there was no response neither from PayPal service nor XXXX credit card company. 

In my opinion, PayPal should refund to my credit card account in the same amount that I was charged in US Dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year at the beginning of the COVID-19 crisis, was on short-term XXXX XXXX, due to problems at my office. I fell behind on the payments. Then State Department of Revenue hit me for back taxes and penalties. 

Now I am back working and just received my social security retirement which allows me to pay the total mortgage of {$1700.00} with taxes and insurance. The problem is I was seeking help with the Biden administration relief plan to help struggling homeowners who have fallen behind on payments due to the COVID pandemic. 

I have applied to the company for this program and have not heard anything back, I know that the company is threatening foreclosure. I have read that there are national concerns with how the banks, lenders, service companies and not prioritizing helping minority homeowners. I have requested from the beginning a 30-year mortgage and was told no. This would have been a huge help. I lost all the equity due to the XXXX  housing crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Information belongs to someone else

Complaint:
My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and XXXX  ( some ) but not Experian even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. Experian is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. Experian continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my Experian credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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 FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthrozied and need to be removed from my credit report imediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last XXXXXXXX XXXX I applied for a purchase money home mortgage with two lenders, one of which was Rocket Mortgage ( the other was a XXXXXXXX XXXX ). Rocket provided an estimate of charges ( Loan Estimate ) which included under the section " Loan Costs ; services you can not shop for '' a listed appraisal fee of {$1100.00}. They required me to provide a credit card for the credit report and appraisal fee at the onset of my application. When I got my credit card statement ( copy enclosed ), they had charged me not the {$1100.00} quoted, but a whopping {$1900.00} appraisal fee which was {$760.00} ABOVE the estimate ( a 65 % excess over quoted charge ). Incidentally, the other lender 's appraisal fee ( for the exact same property at the exact same time ) was {$690.00}. I have previously contacted Rocket Mortgage and my credit card issuer, to no avail. After questioning Rocket Mortgage about the disparity between the estimate and bill, they provided me with an invoice ( copy enclosed ) showing {$1900.00} from a vendor " XXXX  '' whom I had never previously heard of and had not authorized sub-contracting to or hiring. In defense of my claim of excessive and unauthorized Appraisal Fee charge, I enclose the monthly statement from XXXX XXXX where the charge was first posted. NOTE that on the same statement, the {$690.00} appraisal fee from XXXX XXXX also appears. 
Also Enclosed is a copy of the Loan Estimate where, on page 2, under Closing Cost Details, Item B '' the appraisal fee is listed as {$1100.00}. This is the only amount I authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

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 2018-12-04
Company: Experian Information Solutions Inc.
State: CA
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:
For approx 11months I've had numerous errors on my XXXX report and the credit bureau refuse to remove errors per FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
There is an unrecognized inquiry from XXXX XXXX on my Equifax report. I recently obtained a new job, but any credit inquiry tied to a background check would have been a soft pull, not a formal credit inquiry, so Equifax must have made an error and processed incorrectly if they gave a full report to any agency. I have not applied for any new credit or loan for at least 6 months. I have disputed this inquiry twice with Equifax but they will not provide any information or remove it, just stating that it's a " factual record of file access. '' Maybe so, but only because Equifax XXXX  up and allowed unauthorized file access!

Company response to consumer: Closed with explanation