BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX XXXX in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, make clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the XXXX and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory. If XXXX lacks the fortitude to do what law requires, ie. to cease reporting false information, it is incumbent upon the CRAs to provide relief by deleting the account/tradeline from my credit files and/or or removing the false date of first delinquency and false payment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I entered into a settlement with Syncrony Bank for Ashley Furniture credit card for a settlement. The payments were to be {$180.00} for XXXX, XXXX, and XXXX. They never took payment for XXXX. So I called XX/XX/XXXX to find out why. They said they canceled the payment and couldn't tell me why. I spoke to XXXX @ XXXX. She said I no longer have a settlement agreement due to that payment not being received. I had the money in my bank waiting to clear. She then told me to contact ther credit counseling agency for help. Advised her at that time to cancel any other pending payments for XXXX and XXXX which they said would do. 2 weeks later they reported to credit account was charged off. 
XX/XX/XXXX they took {$180.00} from my bank account. Called to find out why if it was canceled for the settlement and charged off. They advised rep on XX/XX/XXXX didn't cancel the payment and I have to wait 72 hrs to request a refund and they can send me back a check. This is the most horrible collection process that I have ever came across. I have worked with the FDCPA all my life. This is so wrong by every stretch of the imagination. I want this account completely cleared from my credit as they broke every consumer right with me. I never gave permission to continue any payments and if they charged it off than why would the payments continue. They can't answer that other than saying it's still a debt. Ummm no it's not, you charged it off!!!! Now I have to fight for my funds back that illegally were taken without my authorization. Syncrony Bank is a joke and have reps you can't even understand. I have another account with them and if they do this account the same way we will have a law suit.

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 2017-04-06
Company: Penn Credit Corporation
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter on XX/XX/2017 alleging I had an unpaid tax balance in the state of Maryland. I have never lived or worked in the state of Maryland, and have only been there once to visit XXXX XXXX as a tourist. After submitting a letter requesting more information and disputing the debt, I received a letter supposedly from the Comptroller of Maryland stating that the balance due was based on information provided by the IRS stating that I filed a Federal return using a Maryland address. However, they could not find a Maryland return processed. I have never filed a federal tax return, because I live, study and work in XXXX. This information is clearly wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with a company called BSI financial services and XXXX XXXX. I was late on my XX/XX/XXXXpayment which I paid on XX/XX/XXXX. I would have paid it sooner but due to hurricane Harvey I made the payment late. In XX/XX/XXXX my payment went up to {$3900.00} from {$2400.00}. I did n't understand why it went up so high so when I called BSI and told them my payment was so high XXXX XXXX told me to go ahead and make my normal payment and that he would check the issue for us. This had happened before and they fixed it. We thought that is what happened again so I made my XX/XX/XXXXpayment in XX/XX/XXXX but by that time we were were told we now owe {$11000.00} by XX/XX/XXXX. They said they could n't apply my XX/XX/XXXX payment because it was now considered a partial payment. They raised our payment that is supposed to have a locked interest rate for 5 yrs of 9.6 % was raised to 13 % they said it was a default payment interest that would go back down when we caught up on our payments. We are only in our 2nd year. That should have taken our payment to {$2900.00} but instead our payment went up to {$3900.00}. We definitely can not make the payment of {$3900.00}. When we asked them why it went up that high they told us because we did n't have enough escrow and that our insurance went up. Upon looking at our escrow it looks like we do have money in escrow but they told us they do a different math and we have to know their math to understand it. They could not explain their math to us. They still have not been able to explain the reason our payment is so high and we were asked how much we were able to pay but I have n't paid anymore because we do n't know what it 's going to and they already put one payment for {$2400.00} that we made in an unapplied account. We feel like we are just giving money to them and it 's not going towards anything and we do n't understand what we are paying and we do not get concrete answers and it also takes days to get ahold of them. In XX/XX/XXXX we told them we were having a hard time being timely because at the end of XX/XX/XXXX we had to evacuate due to hurricane Harvey. We spent money, my husband lost time and money from work and we spent extra money getting AC replaced that went down during power surge etc ..they raised our payment by {$500.00} for XX/XX/XXXX anyway then for XX/XX/XXXX and XX/XX/XXXX they raised our payment {$1500.00} higher in addition to our {$2400.00}. We were told that the hurricane relief rules did n't apply to them because they were giving us a commercial loan on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Regional Management Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Involved with XXXX XXXX XXXX for debt consolidation and paying the company to handle all debts including the debt with Regional Finance. Regional Finance was informed of this and continues to contact my personal and work place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear CFPB I have attempted numerous times to contact the XXXX credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an XXXX Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the US. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

XXXX is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my credit report and noticed that your company placed a negative account on my credit report. I do not recall or recognize this account. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH 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 explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I have disputed the attached account multiple times and have reached out to Wilshire to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.

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 2020-04-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Unbelievable I placed a check order and they refuse to make it free its not fair I was charged {$90.00} and then XXXX charged me {$30.00} for something I paid rushed never delivered on time I want my money back from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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:
I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXXXXXX XXXX XXXX I was given two mortgage loans on my home an 80 % 1st and 10 % 2nd mortgage with XXXX. The XXXX loan balance was {$99000.00}. In XXXX I was unemployed and I fell behind on payments on the 2nd mortgage, and my home had negative equity at the time. In XXXXXXXX XXXX XXXX XXXX XXXX the new servicer, sent me a settlement letter for {$7900.00} to close the account. I called to get further instructions on how to send the payment but then was advised they could not take payment, the account would be charged off and the lien on my home would be released. No further payments would be due. The loan was charged off in XX/XX/XXXX but I never received the lien release. 

In XXXX I did file for Bankruptcy XXXX XXXX and included the debt. Within several months I received a notice from XXXX XXXX XXXX that they now owned our loan. I contacted them several times during XXXXXXXX  about the release on the 2nd lien. They claimed to have no record of the settlement or release on my loan from XXXX or XXXX XXXX. I was advised to sell the home in a short sale and settle the balance, something I couldn't do. I never received any monthly bills from XXXX, only an annual privacy statement. 

Then in XXXX I received a notice from Real Time Resolutions as now the new owner of my account. I contacted them and was told my balance was {$99000.00} and the monthly payment would be {$420.00} per month. They began to send monthly statements. They asked I start making monthly payments immediately or my home could be foreclosed upon. I sent them the {$420.00} in XX/XX/XXXXXXXX XXXX  per the monthly statement, but the following month the payment didn't show it was applied, it said placed in a suspense account. I called them to ask why the payment went into a suspense account and they told me the balances would be updated and to keep sending the amount of {$420.00} per month. I did not make any more payments. Soon after the new statements showed I was past due over {$60000.00} and the new monthly payment was {$1200.00} per month. I again called them and was told the best option was to send that monthly payment or to sell the home and they would consider a short pay. 

This account should have been closed and the XXXX released back in XXXX. However the servicing rights continue to transferred and I have not been able to resolve the account. This is the only home I own, and selling isn't a viable option for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Initially opened a IRA CD with State Farm Bank. Subsequently, State Farm Bank exited the banking business and transferred my account to US Bank. 

My IRA CD, now with US Bank, matured on XX/XX/2023 with a balance of {$13000.00}. I phoned US Bank on XX/XX/2023 to redeem the CD. US Bank mailed me a form to close the CD. I completed the form and sent it back to US Bank during the second week of XX/XX/2023. A month later I received a form letter from US Bank indicating that they could not redeem the CD as the CD number was excluded from their form. It should be noted that US Banks form was pre-populated with my IRA Account Plan Number, which apparently is different than the CD number. I recompleted and submitted the US Bank form on XX/XX/2023. 

I called US Bank on XX/XX/XXXX and XX/XX/2023 inquiring about my CD redemption. I was advised by US Bank that they were backed up and could not provide a date when I would receive my redeemed CD. 

It has been almost three months since my CD matured and I still do not have my money.

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 2023-08-16
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When opening the account I used an offer that would give me XXXXXXXX XXXX miles after ( 1 ) making direct deposit and ( 2 ) make debit card purchases of {$1000.00} or more. I did both. Citi hasnt honored the offer.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Jobs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX numbers : 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 2023-01-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist stated that XXXX sent in my XXXX payment but they can not process it until the state releases the funds. No one has ever heard of this so I need to know whats the hold and why is the state holding the funds! XXXX has also not sent XXXX payments to XXXX XXXX XXXX for my internet payments. I have to call them every single month and Im getting no where. Its so frustrating!

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 2018-11-08
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T Mortgage does not immediately credit proceeds received as principal pay downs or partial payments. Instead, the company sits on payments until the final monthly payment is received and then credits the account. This eliminates the advantages of paying bi-monthly or bi-weekly to decrease the interest paid over the lifetime of a mortgage. The public knows these payment options to be advantageous on any loan that is accruing interest daily. Placing pre-payments in a non-interest bearing state while daily amassing interest on the same sum is disingenuous and deceitful. 
The practice has no doubt costs consumers millions over time!!! 
Intra-month payments should be applied to accumulated interest and partial principal ; thus altering the relevant amortization schedule for the rest of the loan. 

It is extreme, but large lump sum payments towards a mortgage ( non-payoff ) can sit for more than a year and applied according to the original amortization schedule. Reaping the client no advantages while the bank as free access to the pre-paid funds.

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 2023-11-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief