BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Starting in XX/XX/XXXX my wife and I reached out to Franklin American Mortgage Company to get a loan modification. From that point until XX/XX/XXXX they continually pushed off a decision from the underwriter by asking for information that we had to provide. The items they wanted were items like Proof of Flood Insurance, Proof of Escrow Account, Proof of Home Owners Insurance. All of which are items that a ) they already have because they pay them, and b ) We had to contact them to get the proof the underwriter needs. 
They in XX/XX/XXXX we were served by there law firm on a Friday night that they had started a foreclosure proceeding. We were never notified that the loan modification was denied. We received a letter 4 days later of such. 
Subsequently, in XX/XX/XXXX the loan was sold by Franklin American Mortgage to Citizens Bank, NA. 
In XXXX of XXXX I had a court conference with Citizens Bank. A loan modification was started. 

In XXXX of XXXX Citizen Bank Home Loan and I were approved for a loan modification, which was approved for a trial period. The trial period was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During that period all payments were made ON-TIME, and in accordance to the loan modification. 
I found out about the issue in XX/XX/XXXX. I noticed that from XX/XX/XXXX thru XX/XX/XXXX Citizen One Home Loans reported my payments as 120 days past due, when in fact they were not. When I spoke to Citizen Bank Home Loans, they agreed that this was an error. They removed how it was reported to NOT REPORTED. Recently I found that they changed it back to 120 DAYS LATE.

I have confirmation from both my bank and Citizen Bank Home Loan from at the time I made the payments that they were credited to my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with PNC Bank to refinance my mortgage at a 2.1 interest rate. Four months into the application process I asked to terminate the application process because I felt that I was being harassed and discriminated against. 

At the beginning of the application process, I gave Pnc all documents they required to start the application process. They sent out an appraiser to appraise the house who appraised the house for a lessor amount than I felt that the house would appraise for. 

PNC advised me that because my house did not appraise for what I had thought they countered a different offer than the initial 2.1 % and closing cost. Which was a 2.67 % with closing cost. I was told that 20 % of my existing loan should be paid down to reflect that 20 % of what the house was appraised for should be paid for me to be elicitable for the 2.1 % interest rate. 

So, I agreed to the counteroffer of 2.67 with closing cost. PNC then advised me because it was past a certain time frame, they would have to recheck my credit. I agreed to allow PNC to recheck my credit. After they checked my credit, I was given a counteroffer for 2.75 % with a closing of XXXX dollars at closing because I had a XXXXcredit score which was the high score, and the middle and lowest scores was a XXXX and a XXXX. I was advised by PNC that the lower scores had been reported by a 3rd agency factual data. I advised PNC that the lower scores were not accurate. I also advise them that I knew this because if have separate individual accounts with all credit reporting agencies and I can access all accounts to prove that the scores that factual data provided was not accurate. 

At this point I'm extremely frustrated with the process but because of the frustration I agreed to the counteroffer. After I agreed PNC asked me to prove where the money was coming from after I had given them all bank accounts, sign a 4506C so they can check my taxes with the IRS. With all of the frustration that I was feeling at that point I gave them my bank statement and I signed another 4506C so that they can check XXXX, XXXX, XXXX, XXXX and XXXX. After I gave PNC this information they then came back and asked me to send them my bank account information with the URL attached to it or to have a representative from my bank to date, sign and stamp the document by next day. Which would not have been a problem if it wasn't XXXX Friday when they requested the documents. At that point I asked to not move forward because I was being harrowed and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under 12 CFR 1006.34 ( c ) and USC 1692g ( a ). I have sent Experian, XXXX, and XXXX letters asking to validate the debt, not by simplifying accepting codes ; I request that the E Oscar system verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/, and I have not received any validation letter within 30 days. I have sent proof to Experian and XXXX showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the 3rd time. The law clearly states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


You are now notified that you have violated 15 USC 1681i, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.

Company response to consumer: In progress
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Solo por hacer mi reclamo me bajo el score, no contestaron y volvieron a activar la cuenta en mi rcords de crdito como negativa solo por reclamar, es un acto de hostigamiento ya su dealer me estafo y ahora ellos me enviaron un papel del IRS como perdida del 2020 cuando ellos declararon esta deuda como perdida en el 2017, si nunca declararon la perdida en sus libros contables quiero que me enven la carta y quiero que esto sea entregado al IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Diversified Adjustment Service, Inc.
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. 
Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: AL
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 disputed these 7 DEPTEDXXXX accounts on XX/XX/XXXX and XX/XX/XXXX to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.

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 2023-08-17
Company: EQUIFAX, 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:
There is an account that is being reported on my credit report identifying me as an authorized user on that account. This account is not associated with me in any way possible, I did not authorize this account and have XXXX knowledge of that particular account. I reviewed my Equifax credit report and notice that a fraudulent account is being reported on my credit report. I contacted the company directly and tried to resolve the issue but they informed me that I do not have an account open in my name that is associated with them so they were unable to identify me and help remove the fraudulent account. They advised me to reach out to the CRA Equifax and request they Delete the fraudulent account entirely off my credit report, but after speaking to Equifax over the phone they have not placed a dispute on the account and have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2021, I opened a AmazonStoreCard through synchrony bank, and have been using that card cents. However, on the exact same date, that card was opened a duplicate card was created not to my knowledge until recently when I found out the duplicate card had two late payments from an amount of {$16.00} of something that I did not charge to the account. Every time I login the separate account does not show up nor have I ever received a credit card for it or knowledge that it was opened until I checked my credit report to find late payments. I contacted the company and they told me that they are not able to fix this even though it was obviously an error on the bank side sent a duplicate account was opened on the exact same day, not to my knowledge.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
An application was submitted for a mortgage modification with XXXX. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.

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 2022-06-14
Company: Duvera Billing Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Duvera Billing Service has reported a derogatory charge off to XXXX for the amout of {$3600.00}. I have never been notified that a debt has been owed to such creditor. I'm not aware of doing any business with such creditor. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. The creditor failed to follow the Fair credit reporting act guidelines. As such, I request that the collection deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a revolving XXXX account and had a monthly charge for a phone protection plan that was {$12.00}. In XXXX, XXXX, I purchased a new phone elsewhere and didn't need this protection plan any longer. I went online to XXXX and canceled the plan. I received another billing late in XXXX and decided to pay it in XXXX thinking maybe I did owe one more month. I received another billing in XXXX with new charges. I called the company, XXXX XXXX XXXX XXXX, that sent this billing saying I was late. They told me I had to call XXXX directly, but the number I had took me back to XXXX. I wrote a letter to them about the situation and included Samsung.s complaint form that I found online. I sent that letter on XX/XX/XXXX. Approximately XX/XX/XXXX I received a letter from XXXX saying they had received my letter and that they were investigating and I needed to continue making payments. Nope not happening because I would never get a refund and felt I didn't owe the money since I had canceled to plan. I have heard nothing more except to continue to receive late notices and when trying to call I sit on hold for hours and end up hanging up. We are in month 4 of this dispute and still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation