BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I’m currently am trying to get hired on for a job I applied for (XXXX XXXX). Am currently getting denied for something that is coming up on my background check that doesn’t not involve me a nor do I have any idea about. Please I need help with this ASAP... The charge is resisting arrest, search or transportation, a misdemeanor. Says I was XXXX   and was filed on XX/XX/XXXX. Deposition date is XX/XX/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 2018-05-31
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, XX/XX/XXXX - I applied for a refinance with Quicken loans thru their Rocket Mortgage service. I was pre-approved. After discussing the application with one of there loan officers. I was told everything looks good and I just need to order the appraisal, I paid the {$390.00} appraisal fee. The appraisal came back to Quicken and I was told the appraisal came back much lower than estimated ( even lower than original value ) It was a little strange since the market in my area is and at the time was on the rise. I was ok with the decision but requested to see a copy of the Appriasal it my right since I paid for it out of pocket. I was told it will be mailed to me. I couple of weeks passed by and I did not get it. I tried calling and spoke to a customer service representative who claims the appraisal was emailed to me but I never received it. THe representative then said she will resend me a copy via email ( which I never requested in the 1st place it was supposed to be mailed ) and that she will also mail me a copy. I never rcvd anything. I moved on and admit did not follow up until last month XX/XX/XXXX. I spoke to a representative in client relations after I explained my situation. I was told that the appraisal was sent to a different email address but they could not confirm if it was mailed. The agent told me she was assure me that I will get the appraisal by XXXX. 2 weeks have passed and Im really tired of dealing with the phone agents who tell you what you want to hear but never get the work done. As I licensed MLO originator I can tell you that the MLO at quicken loans ( don't remember is name but im sure it can easlily be traced ) is misleading borrowers and steering them to loan products that benefits since commission. Once he found out I was not going thru with the loan cause I was not going to pay the XXXX he wanted at closing ( Wow where is the net tangible benefit to the borrower here? ) he ignored my requested and moved on. I just need a copy of my appraisal before I file suit for refusing to provide me with a copy of my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a person claiming to be a company who would ship me a product. I paid him using cashapp his tag is $ XXXX. I paid him first for {$310.00} and he said he would refund {$110.00} dollars back after the shipment goes through. Then he asked that I pay another {$550.00} for a particular type of stamp which he said would refund {$520.00} they just needed to hold the full {$550.00} until the package delivered. So I ended up sending this person {$860.00} dollars total. Then they asked for {$1100.00} more money and some would be refunded, at this point I realized I was being scammed. I asked for my money back and they stopped returning my messages. I contacted cashapp and they said they can't help me. But when I asked for support from cashapp, these two transactions were still showing as pending on my end so I thought they should be able to stop the transactions but they didn't get back to me right away

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Balance of  XXXX  public record was included in bankruptcy and should have never been reported.

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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I was pre-approved a loan from HSBC Bank - communicated by a Direct Mortgage Consultant called XXXX XXXX. 

On XX/XX/2021, I sent an email to XXXX XXXX stating that I have purchased a property and provided him with a link to the Compass listing of the property which states that the property is an apartment in XXXX XXXX XXXX, a Condotel. 

On XX/XX/2021, XXXX XXXX asks me to send him the closing statement among other documents. On the same day, I sent him all the documents which state that the apartment is in a Condotel. 

From XX/XX/2021 to XX/XX/2021, XXXX sent me several emails and made calls asking me to sign documents and close the initial evaluation process. 

On XX/XX/2021 XXXX asked me to pay {$870.00} for the loan processing which I did immediately. 

On XX/XX/2021 XXXX informed me that the loan can not be processed because the apartment is in a condotel. 

On XX/XX/2021 XXXX and XXXX, I pleaded with XXXX that he did not once mention that the apartment is not eligible for a loan and this information was hidden from me that a condotel can not get a refinancing from HSBC. 

On XX/XX/2021, I again informed XXXX that he should not have asked me to pay {$870.00} for loan processing, knowing very well that the purchased apartment was in a Condotel. I brought to his attention that he was sent the closing documents and warranty deed back on XX/XX/2021 but not once did he mention that this was ineligible for the loan. 

I am only asking that due to the negligence on the part of XXXX XXXX, my loan processing fee of {$870.00} be returned. 

I have spent several hours sending XXXX the documents he needs, while all along he knew that the loan would not be processed. 

I am being penalized due to no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
The Company furnishing the information is XXXX XXXX XXXX to Experian, I have Disputed the validity of information on my file however, Experian claims that the information is coming back verified, when I look at all my credit report XXXX, XXXX, XXXX and Experian all of them have very different information so how is it that they are saying that this is verified. Reporting as followed : XXXX : Charge off amount {$0.00} No Late Payment Date Closed XX/XX/XXXX Date Charge-off XX/XX/XXXX Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX Date Charge-Off NO DATE Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX No Charge-Off Last Payment XX/XX/XXXX Experian Late Payment 180 Days XXXX Charge-off XX/XX/XXXX Date Closed XX/XX/XXXX Late Payment XX/XX/XXXX How can this be verified by Experian as accurate when all the CRA have different reporting, Also, how is it possible that in XXXX was 180 days late but charged-off years later on XX/XX/XXXX. I have contacted XXXX XXXX and they are claiming that they are no longer reporting this account but Experian keeps saying ints verified with XXXX. Would like this account removed from my credit file for inaccuracy as all CRA 's are reporting inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Someone filed for some items in my name, so I called all Experian to inform them on what took place. Customer service would not help me, and take care of the negative inquiries reporting on my credit report! Ive also contacted the companies but I was informed that I would have to contact Experian.

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 2021-11-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XXXX XXXX and XXXX XXXX hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on the account youre currently reporting is : JPMCB CARD SERVICE XXXX XXXX JPMCB CARD SERVICE XXXX, XXXX XXXX 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing these false accounts on my consumer credit report .The accounts that are being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS JPMCB CARD SERVICE BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings. ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE HARD INQUIRY ACCOUNTS ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} After having realized that my debit card was lost on XXXX, I have noticed 4 transactions that were placed without my authorization or consent. The transactions were placed on the dates and times listed above. I have immediately reported the card stolen and have disputed the above transactions as fraudulent. The Bank has failed to notify me in a timely manner regarding the fraud, although the account displays a pattern of large transactions within a 27 hour time frame. The XXXX XXXX did not place a security freeze on my debit card within the time that the transactions were placed, which allowed for the approval of 4 identical large transactions to acquire successful authorizations.

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 2022-03-23
Company: Granite Edvance Corporation
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were held with Granite State Management and Resources in the State of NH. In XXXX of XXXX I had corresponded via email ( I have the emails ) regarding my loans that were about to go into default. I was unaware that had been the case as I'd been going through a very difficult divorce in all of XXXX and into XXXX as well. My understanding was my loans were at that point placed into forbearance and I didn't hear from GSMR again after that. In XXXX the pandemic hit and these loans qualified under the Pandemic relief or Pandemic forbearance. Again, i heard nothing from GSMR during all of XXXX and most of XXXX. In XXXX of XXXX, suddenly my credit report took a hit and when I looked at the details, i noticed a company called " XXXX '' had listed my loans in collection. I thought, that can't be right and proceeded to spend from early XXXX to present calling back and forth between GSMR and XXXX to understand why loans that are under the Pandemic forbearance had suddenly been placed into collection in XXXX of XXXX. I made it clear that I knew my loans qualified, even though most of the phone calls with GSMR they tried to state they didn't qualify. I let XXXX know that they legally couldn't place my loans in collection and had to remove them and to which they told me that they weren't a collection agency, even though when you call them, they have a script they read about the call is recorded and is for debt purposes. I'm literally trying to have these loans removed from collection and delinquency on my credit reports and to have Trellis NOT violate the XXXX loan moratorium and place my loans back in the forbearance that they are supposed to be in per President Biden. I'm at the end of my rope here and ready, but not wanting to call a lawyer. It's affecting my credit and so is thinking that my loans were in forbearance according to GSMR back in XXXX, but it doesn't sound like they ever placed them in forbearance. I need a lot of help to get these loans rightfully placed in the pandemic forbearance that they should be in and my credit score to improve as a result. 

I filed disputes with XXXX. XXXX and with XXXX and explained all of this as well and XXXX and GSMR are not complying with those credit bureaus. I contacted the NH XXXX 's office which recommended hiring a lawyer. Should i have to pay a lawyer to get my student loans in their rightful place per a federal student loan moratorium? This is utterly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.

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: Professional Credit Analysts of MN, Inc.
State: VA
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, PROFESSIONAL CREDIT ANALYTS added a derogatory on my credit per XXXX. Upon further research this account was transferred/ sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, PROFESSIONAL CREDIT ANALYTS has violated my rights and I'm requesting legal action to remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I have fraud alerts on my credit report and have tried to fix this with Equifax directly and with the companies directly. There are several unauthorized inquiries on my credit report and the credit bureau has been no help! I did not authorize these inquiries. 

State employees cred - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

Company response to consumer: Closed with explanation