BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I hope this message reaches you and your loved ones ; All healthy, happy, and well. I know you all must be swamped so I am going to just provide facts and your feedback is greatly appreciated. 
1. Divorce/court orders ( XX/XX/XXXX ) state that no changes to any accounts were to be made on my behalf. Many changes were made on my behalf but most importantly, my mortgage. 
2. My husband violated the court orders and filed a false forbearance claim ( XX/XX/XXXX ) and reduced his co

urt ordered amount ( s ) paid to our mortgage company. 3. Once my ex husband c
omplied with the court orders, ( XX/XX/XXXX ) I paid all debts to EXIT the forbearance program in less than a month ( XXXX ). 
4. I have worked, endlessly to comply with my mortgage company and ALL of the directions I had been provided which ended up with inaccurate results. I am at the end of my rope with XXXX.

5. Throughout my Divorce Decree, I agreed to refinance my home into my name alone ( XXXX ). I did so in good faith because I have good credit and a good job, as a XXXX, as I have been at for over 10 years. 
6. Neither my attorney or myself knew the current laws on refinancing after a forbearance ( which I did not apply for, have knowledge of, or agree with ) that would make it IMPOSSIBLE for me to comply with the final Divorce Decree.

7. I can not afford any more attorneys fees to go back to court and request an extension on the agreed decree regarding my home. Why didn't XXXX  ask if there were any standing orders? 
8. If I do not refinance by XX/XX/XXXX I will be forced to sell and the home is upside-down. Literally, I can not afford to fix it or lose it.

9. If I lose my home due to an illegal/forced forbearance I will probably have to move to a shelter. I am a XXXX, I don't qualify for public assistance, nor, do I qualify for FHA/Conventional lending because of this forbearance.
10. I don't understand how a forbearance claim was made that I was not aware of, I don't understand how I have drained every penny I have in savings so that I can refinance and nothing adds up. Nothing. I thought my forbearance period was over weeks before what is being reported now.

11. XXXX  website does not match their payment website. The dates do not make sense or add up.

12. My mortgage representative is very nice but LITERALLY, nothing adds up. After spending all of my future payments, selling everything I can, nothing adds up and no one else will review or talk to me about my account.

13. I am a month away from having to walk away from my house. I invested all of my savings from years ago and I'm about to lose it all and have no idea where I will go. I am beyond scared and frustrated. How can this happen?

14. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: ME
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:
Addendum to complaint number  XXXX . There is NO unauthorized third party. Please proceed. Thank you.

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 2022-02-22
Company: SYNCHRONY FINANCIAL
State: VA
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 pursuant to [ 15 USC 1681b ] a reporting agency may furnish a report on a consumer if it has written consent or a court order and SYNCHRONY BANK has neither. SYNCHRONY BANK is acting as a consumer reporting agency under [ 15 USC 1681a ( f ) ] because they regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Also, I ceased all communications with SYNCHRONY BANK through all mediums except mail. SYNCHRONY BANK has acknowledge my cease and desist but failed to abide by my written request and are still communicating with me ( consumer ) through consumer report which is violating the means of cease and desist sent to SYNCHRONY BANK.

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 2022-06-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-15
Company: EQUIFAX, INC.
State: OR
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 number XXXX, XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number XXXX 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 consumer reporting Agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent the company certified letters asking them to send me specific information regarding the debt because the debt is not mine, I have not received any information at all. I have been waiting for a response from the company it has been over 30 days I have not received any information that I asked 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 2021-03-24
Company: Square Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My wife received an unsolicited Cash App XXXX debit card through US mail. The card was issued by XXXX XXXX, headquartered in XXXX, Ohio. Neither Cash Ap, owned by Square , Inc. nor XXXX XXXX  provide human call-in customer service. Called XXXX and was told it was necessary to have name, address, date of birth and SSN to open account. Became very suspicious and filed incident report with local police. XXXX stated they could not close account, only XXXX XXXX  could close account. Eventually spoke to two representatives from XXXX XXXX. First stated that my wife 's identity had probably been compromised. The second person told me the bank had no responsibility for issuing the account, but the account had been closed. Also, spoke to representative from Cash App, but he would not refer me to their legal department unless I provided my e-mail. I refused. Based on recommendations from local police and booklet they provided on Identity Theft I filed reports with the FTC, FDIC and now, your agency. Also, spent an entire day placing a credit freeze on credit reports and fraud alerts on all accounts ( deposit and investment ). Advised XXXX XXXX representatives and Cash App that I was filing various complaints with governmental agencies and believed they had violated KYC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX  and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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 fraud alerts or security freezes

Complaint:
I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by Transunion XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.

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 2015-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was never late. APPLIED BANKAccount # XXXX. 
Its reporting i had a 30 day late XX/XX/2014. That is false an inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.

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 2016-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting the same account XXXX on my credit report twice account number XXXX. This is a fraudulent account in which I am asking XXXX to please immediately remove. This account belongs to XXXX XXXX not XXXX XXXX. I have attached an incident report, report number XXXX. This fraudulent account has been on my credit report since 2007, which not only makes this a fraudulent account but also an old account. Again, XXXX is fraudently reporting this XXXX account twice. This account does not belong to me, please delete 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 explanation
Consumer complaint received 2021-07-26
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: IL
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 with the fair Credit Reporting Act XX/XX/XXXX account # XXXX, 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 an account without my 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: IL
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 with the fair Credit Reporting Act XX/XX/XXXX account # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: LEXISNEXIS
State: FL
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:
CFPB Complaint I requested an investigation AND Method of Verification from LexisNexis, XXXX, XXXX, and XXXX. Per the Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. Investigation took more than 15 days. This should be hard evidence that goes all the way back to the original creditor. The credit reporting agencies are not in compliance, and accurate per the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

The attached letter from the courts states the following ; The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2022-02-22
Company: Upgrade, Inc.
State: OK
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:
Contacted upgrade customer service about a past due balance for XXXX cents in early XX/XX/2022. Agent stated problem would be solved in 30 days and would not effect my credit score. Called back in late XX/XX/2022 after my credit score dropped XXXX  points. Agent stated it was an " autopay allocation error, and it would be investigated and I would be contacted. '' After they reported the " fix '' to the credit bureaus my score only regained about half of what it fell. I was just hit for another deliquescent for XXXX cents and another XXXX points on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
EVERY DAY we are receiving a telephone call from the United Collection Bureau ( telephone number ( XXXX ) XXXX ) which is a computer generated call and contains a pre-recorded statement to hang up if the call is being made in mistake. We do not want to receive this call, can not stop it, and do NOT owe anyone any money and should not be subjected to this telephone harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? XXXX or Equifax and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: DISCOVER BANK
State: IL
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:
My Discover Student Loan ( Loan # XXXX ) is not being reported as a Student Loan. It is reporting as an Other Loan and needs to be reported as Education Loan 12 to the credit bureaus.

Company response to consumer: Closed with explanation