BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: IN
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 have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. XXXX Also In accordance with the Fair Credit Reporting act XXXX Account Experian/XXXX XXXXXXXX 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.

I am not nor giving permission to furnish these fraudulent accounts.

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 2023-02-16
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First I opened account with XXXX XXXX and they were changed to Provident Bank. I was given a cash back account and after talking to reps on the phone and then going directly to the bank. I was told in order to get the cash back I have to have met the criteria of direct deposit, which I have. I spoke to XXXX at the XXXX NJ office and she said that doesn't make any sense she was going to look into she said that When I use my debit card I have to sign for purchases which I do.I spoke to the manager XXXX XXXX. Who reached out to her contact who said that I have to be enrolled in e'statements.which I have complied and it didn't work after numerous attempts and just here in XXXX I was still enrolled until the manager done it from her desk. Meanwhile XXXX XXXX referred my daughter to open a account with them and we were supposed to get a referral gift back of $ XXXXshe opened 2 accounts and on the site the referral is supposed to be in our accounts within 60 days. My daughter received the cash back rewards and so did my son. I was not treated fairly. For months I emailed Provident Bank about the referral and a man advised me that I will get it XX/XX/XXXX and I never received it.so I went to the bank spoke to XXXX again I showed her my proof of the awards and she called me back the next day and said that my daughter had multiple overdrafts and asked me my daughter 's name and then started discussing her account with me. My daughter went out there and proved that she never overdraft but the bank came up with another excuse. I also took out a heloc home equity line of credit and I used the account to pay my property taxes and my check was sent back to the tax collector saying that this account can't be found. This account has went from 3 % interest to 7.5 within a few months. I desperately need help.yes I have tried to resolve everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-10
Company: NEW YORK COMMUNITY BANCORP INC
State: MD
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:
I currently have a VA backed mortgage with Flagstar Bank. My loan was transferred from XXXX XXXX XXXXXXXX and since the transfer they have reported me as missing 5 payments on my credit report. I have gone as far as calling them on a three way with my insurance company ( XXXX ) and call ending with all was good with my account. My mortgage and cars are bundled under one plan with XXXX. I am a veteran that is XXXX XXXX XXXXXXXX and exempt from paying property taxes. Flagstar wants to collect an escrow on my mortgage. I have forwarded letter from governor and other pertinent documents to flagstar and they are not satisfied with this. They receive my payments and becausr i refuse to pay them escrow, they report me as missing 5 payments.

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 2023-02-10
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:
It is EXPERIAN 'S duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2022 and a 30 day late payment posted in XX/XX/2022. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-02-24
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX  or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, 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 2016-06-22
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The bank opened an account for someone other then me without obtaining my signature or iidentification card which resulted in an account being opened for someone other then md

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
Sir I am unable to remove court information about complaints/court records that are not mine and are over 10-yrs old from my credit report. I was never convicted for these offense and they are harming me from getting security clearances. I need some hewlp to remove these court records from my background. I am also not the one that these offeses were charged. I live in Texas not in Illinois and not in Nevada. 

# XXXX XXXX XXXX XX/XX/1996 # XXXX I requested updates to my credit file and filed a dispute but have not been able to get these records removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : 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 2023-02-24
Company: Experian Information Solutions Inc.
State: MI
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 received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$270.00} XXXXl XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}

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 non-monetary relief
Consumer complaint received 2023-04-25
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I did a money ( {$100.00} ) transfer with XE Money Transfer on XX/XX/2023 and the recipient did not get the money. 
I asked the company to investigate. The company at first went on different direction verifying my credentials even though it was already done when I opened the account with the XE Money Transfer Company and lost sight of my inquiry about the recipient not getting the money. I reminded them. The company mentioned that it has started the recall process. 

As of today, XX/XX/2023 I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was sent {$1100.00} by my sister through Cash App. When I went to retrieve it all but {$10.00} was gone. I immediately called Cash App to inform them of what happened on XX/XX/XXXX they assured me they would investigate and informed me of their findings in 7 to 10 days. When I didn't get a response I called back on XX/XX/XXXX, I was informed there would be a further investigation into the matter in 7 to 10 days. When I didn't get a response for a third time, I called back on XX/XX/XXXX and I was informed their investigation was complete. Now, I am without money or an acceptable explanation. I never made any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband XXXX XXXX ( successor in interest ) and I ( his spouse ) applied in the fall of XXXX for the HAF program ( state of Texas ) due to falling behind on mortgage payments due to the Covid-19 pandemic. It has taken several months for approval but Midland Mortgage finally sent a letter to HAF that they needed {$14000.00} to bring the loan current. The principal balance currently is {$14000.00}.

HAF sent me a letter on XX/XX/XXXX confirming approval and advising a payment of {$14000.00} was sent to Midland Mortgage. Midland Mortgage received and noted the loan with " applied funds '' but DID NOT POST MY PAYMENT. I called Midland Mortgage on XX/XX/XXXX and spoke to a customer service representative. I requested the late fee balance be waived and asked them to post my payment. I was told that they wouldn't waive my late fees and that they needed instructions from HAF on how to apply the payment. So I contacted HAF and spoke to a representative. I told them that Midland Mortgage didn't post my payment and needed instructions on how to apply the payment. The representative told me that they are supposed to apply it to all the missed payments and late escrows. She sent a message to my case worker. It is now XX/XX/XXXX and my payment is still not posted. I new statement has generated with a larger balance due and fees and interest continue to accumulate. I called Midland last night and told them to apply my payment and they advised me that it takes 30 days to post the payment. They received the payment on XX/XX/XXXX. They noted it as " applied funds '' and then on XX/XX/XXXX they removed the payment completely. The payment is no longer visible when I check my loan information on line and they have not posted my payment. HAF told me that they need to contact the " loan servicing support team '' on how to apply the payment. I am certain that Midland Mortgage already knows how to apply the payment for individuals in my situation. I can not be the only homeowner approved for assistance under the HAF program.

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 2023-03-09
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The form letter submitted does NOT CLEAR the ESCROW - Shellpoint has on my MORTGAGE STATEMENT -- there is a PAST DUE ESCROW {$2600.00} -- Shellpoint Dashboard statement shows {$2400.00} -- Shellpoint must correct the MORTGAGE STATEMENT! sending CFPB a form letter stating nothing is due is misleading and fraudulent. 

ESCROW balance will be due after XX/XX/XXXX as I pay Insurance/escrow and Taxes within my MORTGAGE PAYMENT. Shellpoint alleges the Mortgage statement can not be corrected WHY NOT? Upper Management Promises to do so since XX/XX/XXXX NOT REALIZED!!! 

Shellpoint was quick to send FORECLOSURE letters without waiting for XXXX XXXX to clear up the Grant payment. I had to contact all parties and secure the grant funding be paid with CFPB intervention. Otherwise I could lose my home due to negligence and discriminatory treatment by XXXX XXXX! 

At the least Shellpoint could create a corrected record. They went back and got my loan history so why cant a CORRECTED MORTGAGE STATEMENT reflect NO PAST DUE amount and {$480.00} is due XX/XX/XXXX?????. A form letter wont due because this error is on my MORTGAGE STATEMENT -- ESCROW is not added to my statement as a PAST DUE when Shellpoint just got the funds and dispersed these funds without any help from WELLS! It is Shellpoint responsibility to manually correct the MORTGAGE STATEMENT. 

The Federal grant paid in full all existing balances including escrow! Since XX/XX/XXXX, have been lied to by upper management at Shellpoint that the MORTGAGE STATEMENT would be corrected by XX/XX/XXXX. IT WAS NOT! As of XX/XX/XXXX - MORTGAGE STATEMENT continues to add a past due ESCROW balance the BALANCE is not described as pending payment which it should state ( pay taxes and insurance+escrow ) in monthly payment. 

Demand the MORTGAGE STATEMENT to be corrected as promised by Shellpoint immediately. My existing balance is monthly mortgage due XX/XX/XXXX {$480.00} In my quest to receive a corrected MORTGAGE STATEMENT -- Shellpoint sends the same form letter to CFPB that I have received 3x and each time does not reflect ESCROW as a {$0.00} balance or a PENDING Balance going forward!!! Shellpoint addition of my Loan History does not deflect their responsibility to manually correct my MORTGAGE STATEMENT! Otherwise I have no proof of a PENDING ESCROW vs a PAST DUE ESCROW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation