BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
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:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2022-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On, or about, XXXX XX/XX/XXXX I logged into my USAA account and saw a new message. This message is labeled Provide your information to Claim Funds ( dated XXXX XXXX XXXX, attached ). I opened the document and saw that there was an unclaimed check that was issued to me on XX/XX/XXXX for the amount of {$1200.00}. The document noted that I needed to respond by XX/XX/XXXX to avoid the unclaimed property from going to the state of Connecticut. The document had a form to fill out with information regarding how I wanted the funds delivered to me. I denoted that I wanted the funds deposited in my USAA checking account. I mailed the requested information to USAA. I do not know the specific day that I mailed the requested information, but it was early in the month of XXXX. I had several phone conversations with USAA regarding this document as described here : XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), and XXXX XXXX ( XXXX hr XXXX min ). These phone calls revealed that the form was to avoid escheatment of these funds. During the phone call on XXXX XXXX, the USAA representative confirmed that they have my signed form in their system denoting how I want the funds deposited in my account ( logged in USAA XXXX on XXXX XX/XX/XXXX ) and that the funds can take up to 60 days to be deposited in my account ; based on this, the funds should arrive in my account by XXXX XX/XX/XXXX. The funds were still not in my account by the end of XXXX XX/XX/XXXX, which prompted me to call USAA again on XXXX XXXX On XXXX XXXX I spoke to XXXX representatives who all tried to find the document I was talking about. We eventually learned that the funds were issued from the Mortgage Department at USAA, but they could not locate the check nor issue me the funds. They also informed me that USAA received my signed document on XXXX XX/XX/XXXX ( which should have started the 60 day counter from there ). The best they could do is credit the funds to my account, which will take another XXXX business days for the funds to arrive in my account. I have no confidence that these funds will be deposited to my account.

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 2021-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Mortgage lender is not able to pull credit report from Equifax. When pulling the report - in the credit bureau errors it states " Equifax remark : Information form you inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery '' - " inquiry information as fraudulent by consumer- report not available '' I have called 7 times and I keep getting the same answer every time I call " everything is fine on our end. We don't see any fraud alert on your account or any freeze ''. Everything is accurate in my credit report. I have access to my credit report online and everything look accurate so not why there's an issue with the lender pulling the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After refinancing my home in   XXXX   XXXX     with a different lender, I had a escrow surplus with my old lender Ditech. On   XXXX   XXXX   XXXX     I was e-mailed by them informing me that I have a surplus due me in the amount of  XXXX  for which to this date I have not received. For nearly 3 months I have spoken with  6 c ustomer reps and  4  managers to no avail.     XXXX   XXXX   XXXX     they informed me that they sent the check to the wrong addres s, 2  weeks later it was in the mail being reissued , 2  more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers  XXXX ,  XXXX ,  XXXX  or  XXXX  and last but not least a supervisor name  XXXX  who uttered the words " what is it that you want me to do '' ; " remit  XXXX  to me '' I said. still no check.   On   XXXX   XXXX   XXXX   I spoke to a rep name  XXXX . This  XXXX  informed me that her  manager  named,  XXXX  instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that.   It seems  on  e hand has no clue on what the other one is doi ng.   STILL NO CHECK.

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 2020-10-07
Company: Experian Information Solutions Inc.
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:
I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.

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 2021-11-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
santader bank is based out of texas and they call 5-10 times a day looking for an unknown individual. They dont care about public complaints if you check online this company is facing alot of complaints they seem to conning their customers also. 

Have never dealt with them this phone is the only connection. 

Nb my email is XXXX Please note some of their alleged customers may be victims also.It is almost impossible to stop a rogue bank from harassing people because they seem to well financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Hameroff Law Group, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
credit card opened by spouse solely XXXX credit card co charged of debt XXXX debt was purchased by Western State Financial Management, LLC Judgement was sub- served to mother of spouse. 
Spouse was in hospital in critical care when sub-served. 
spouse passed away shortly after without knowledge of service on judgment. 
Hamerhoff Law obtained judgment after attaching me as spouse. 
I had no knowledge, never signed or requested said credit. 
Hamerhoff Law then renewed judgment XXXX. 
Now remarried - have lein against the title of home purchased under my name, and new wifes name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Recovery Management Solutions LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail this morning from  XXXX   XXXX  a t Recovery Management Solutions.      I returned the call and  XXXX   XXXX  informed me that a civil action was going to happen soon for a debt of {$840.00} which was incurred in  XXXX  to   XXXX   XXXX  . I explained that the contract in question was fulfilled as of  XX/XX/XXXX . I further explained that the collection amount was for a contract renewal which I had not requested and for a service I never received. In  XXXX  I went through BBB mediation and the amount was subsequently removed from my credit report by  XXXX   XXXX .      XXXX   XXXX  informed me that  XXXX   XXXX  had no right to do this, that the company he represents now owns the debt, and that they could take action to make the charge appear on my credit report again. He informed me that I had until Tuesday to respond to an email he was sending and he would then decide whether or not to take civil action.     I sent the following email : " I do not acknowledge this debt.     The terms of the contract were fulfilled. The amount in question is for an " auto-renewal '' that occurred after the initial 36 month term of this contract. This auto-renewal occurred despite multiple requests to cancel any further services.     Through Better Business Bureau mediation for an amount owed, the company agreed this was an invalid charge. Complaint #  XXXX .     Given that this is not a valid debt and that the statute of limitations is in force, I would ask not to be contacted about this again.      XXXX   XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX. I paid for a membership with Experian to get my " credit score '' so I could prepare properly for applying for a mortgage. 

To my dismay, the score they give you when you pay them is an erroneous score that has no connection to reality. I have since learned that Auto dealerships, credit card companies and mortgage companies use different scores.

Experian gives you a " Score8 '' product that they peddle as accurate when NO mortgage companies use that score. 

In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. 

This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people like me.

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 monetary relief
Consumer complaint received 2017-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to  XXXX  in  XXXX    XXXX  . I spoke with the account  specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.

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 2017-06-01
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have o n 2 sep arate occasions tried to resolve a collection account being reported by this company. I do not know where this account originated from. After recently obtaining my credit report I noticed this account. I am unaware of any terms or conditions regarding this account. I have requested that this company provide me with a contract or any documentation bearing my signature that will show what I agreed to and if so when. Both of my attempts have been ignored. I called that did n't go well I sent a certified letter before waited the 30 days still no response called again and told me it takes time. After the allotted time went past again I sent another request to date I still have not received a response and the 15 day time frame has passed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) Experian Credit Reporting wrong information on Delinquent, and recent credit inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never 30 days late on ( 2013 of XXXX  ) on this ( CAPITAL ONE BANK USA N ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  XXXX XXXX XXXX XXXX. Below you will find the attached copy of the 30 days late and the creditors contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
Experian took over 30 days, and the original creditor and the collection agency did not respond to my certified letter, submitting additional documents. See attachment.

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 2018-06-01
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.

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 2017-06-01
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
I purchased  XXXX   Western Union m oney orders at  XXXX  in  XXXX  o f 2011. I d id not use them for the original purpose and they were set aside uncashed. I found them recently and decided to cash them to regain the face value of the orders, a total of {$38.00}. I was not aware that over time they are subject to a " service charge '' that ultimately consumed the entire face value of the orders, rendering them worthless. This is disclosed in fine print on the rear of the paper order, with no reference or asterisk on the front of the order to indicate such a disclosure exists. Upon cashing them in my regular checking account I received a letter that they 'd been returned, earning a return check fee from my bank as a result. That fee has been waived by my bank given the situation, however I 'm still less the {$38.00} in value. {$38.00} is not a significant amount of money to me and this complaint is being made to draw attention to what I believe is a deceptive and unfair practice. For individuals who have no alternative to using money orders this " service charge '' could be a significant drain on their finances and should at minimum be clearly disclosed or preferably not charged to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried on multiple occasions to have my Zelle Account XXXX deleted. The first time I called was XX/XX/21 and requested my account profile be deleted. I was told it was deleted only to find out it was not deleted but was inactivated instead which allowed the information to remain in their database and the account to be reactivated. I called again to follow up XX/XX/21 and was told it would take 45 days to complete my request and they would deactivate my account. 

I am writing this complaint because Zelle is telling me they can not validate my account due to the address on file not matching what I provided them when the account was initially set up. I dont see how that could be a possibility when I set the account up and clearly know my own address. 

Im frustrated because I have read that using Zelle and other applications like it leaves a person vulnerable to potential fraud if the account was hacked. I am trying to get ahead of any possible issues relating to that happening to me especially since my credit union and or bank would not restore any funds that were stolen. 

Please advice and compel Zelle to DELETE my account from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: FL
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 noticed multiple inquries on my credit report with all XXXX bureaus ( Equifax, XXXX & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Servatus Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do NOT have any debts. I do NOT know why this company is calling and harassing me. I've asked them to stop calling me and they persist. The company calls and doesn't leave a message. I XXXX XXXX searched the number XXXX and it comes up at Credit Solution Corp.

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 2021-11-17
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation