BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In XXXX of 2022 I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXX credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.

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 2023-04-16
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Would like this XXXX item removed off my credit because the debt that is on my credit wasn't done by me. I have no knowledge of who attained my information. The information that is reporting on my credit is inaccurate and it need to be removed asap, i contacted XXXX was no help they couldn't do anything to better assist me. It indicates the account was opened XX/XX/2023 with out my knowledge. The the total sum I have to pay is {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In late XXXX Bank of America initially charged me for forced mortgage insurance that allegedly occurred in year XXXX. I called numerous times and on XX/XX/XXXX I sent BofA a letter ( attached ). BofA responed on XX/XX/XXXX ( attached ) and asked me to wait. On XX/XX/XXXX BofA sent me a letter ( attached ) which informed I was to pay {$3800.00} for forced insurance for year XXXX unless I could provide proof of insurance. 

In year XXXX I provided proof of Insurance and the {$3800.00} charge was removed as evidence by the BofA yearly Statements ( attached ) provided to me for years ending in XXXX - XXXX. I could not find yearly statements for year XXXX and XXXX. 

After 10 years it is impossible for me to re-provide proof of insurance because the insurance company informed me they only keep records going back 5 years. 

See attached documents

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 2023-04-11
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: Investigation took more than 30 days

Complaint:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I m making a complaint against my mortgage company. I feel theyre giving me the run around with my mortgage. I had a case against them that was settled out of court. I signed the last papers of my settlement agreement XX/XX/XXXX. I set up an online account. They acknowledged the account and welcomed me. I had a few questions about certain items that didnt seem right. I was locked out of the account and told I had to talk with my attorney because the case was still in litigation. I did and shortly received a email from him. The email was between him and the mortgage company attorney stating the litigation hold was off the case and they could talk with me. I m sending you a copy of the email. I talked with them until around XX/XX/XXXX because I didnt get true answers. They would tell me something would be done in 10 days call back. I would and get the same answer call back in 10 days so I stopped calling until XX/XX/XXXXof this year. I I called to see if I had a XXXX XXXX tax statement coming. They said they had mailed them on XX/XX/XXXX. I didnt get it so I asked If they could email it to me they said they mailed it to my attorney. I called him, he said he didnt receive anything because he had moved and had a new address. I called the mortgage company back and they said they couldnt talk with me because my account was still in litigation to call my attorney. Ive talked with him and he said he would talk with them. I have been back and forth between the attorney and the mortgage company since XX/XX/XXXX. The mortgage company said he needs to get in touch with them. He said he tried to call their attorney and finally he said to call him on XX/XX/XXXX at XXXX to do a conference call. I called XXXX no answer, left messages no call back. I called one last time the next week still no response. 
I m also sending you a copy of the escrow statement I received from the mortgage company. Up to receiving that statement I have received nothing from the mortgage company. The escrow statement and a check for over paid escrow payments for property taxes amounted to {$190.00}. They had been charging me over {$2200.00} too much for property taxes. They acknowledged it on the escrow statement. What I dont understand is how a {$2200.00} over paid equal to {$190.00}. Even if the hazard insurance went up {$340.00} it still doesnt add up to {$190.00}. Im sending you a copy of the statement. There are more things I not saying because I signed not to disclose the terms of settlement agreement. I have faithfully paid what they asked me to pay although I felt it was the wrong amount. I feel cheated and taken advantage of. 
The mortgage company is Mr. Cooper previously Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Selene Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
INVESTIGATION FRAUD SELENE FINANCE Since XXXX I have been requesting a Relief Financial Hardship Modification on deceased mother 's default loan, that was transferred to Selene by XXXX XXXX XXXX. Selene has created another fraudulent refinance conventional loan modification that I am not eligible for ( XXXX & XXXX ), false bankruptcy, and XXXX pages of inaccurate information on my credit report that I have not authorized nor consented to. My credit is not linked to make a loan, and I am not a co-signer or share title of property. Federal law allows me to assume default mortgage of property of deceased mother 's " XXXX '' debt. As of XXXX XXXX Selene Finance has not altered terms for a financial hardship relief to cure mother 's arrears in default. The goal has not been met to reduce payment of " XXXX '' loan to fit my financial status. As the inheritor I fall under the " Garn-ST Germain Act 'XXXX -Law provides laws to protect me to assume the Original loan. Selene is in violation of FDCPA with sending me and my lawyer a false and misleading loan re-finance modification and loan acceleration letter which contains erroneous and deceptive statements in my name to intimidate to make immediate payments on a fraudulent loan. Selene has made XXXX hard inquiries & XXXX inaccurate information on my credit report causing my credit score to decrease XXXX points. As of XXXX XXXX to present date I have not spoken to anyone at Selene Finance, as ALL communication goes directly through my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: PA
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:
I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. 

They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
account due to fraud XXXX bank XXXX XXXX XXXXXXXX XXXX XXXX all reports have been sent over

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 2023-09-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention, that XXXX XXXX XXXXXXXX, XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-19
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: Information belongs to someone else

Complaint:
The accounts that are reporting on my credit report are unverified accounts. These accounts date back as far as XXXX, I have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has these accounts. I have sent in the accounts with the dates these accounts were opened.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity. 

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.

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 2021-07-04
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affirm Inc at XXXX XXXX XXXX FL XXXX XXXX XXXX CA, XXXX has been sending me collection notices in the amount of {$100.00} and {$150.00} the collections have been reported as past due balances. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband and I had a joint checking account with SunTrust with consistent monthly deposits of almost {$10000.00}. The account was in good standing, was never overdrawn, and our balance was never continuously low but on XX/XX/21 SunTrust decided to close our account without warning or explanation. I had no idea they did this until I tried to pay for my lunch and the charge wouldnt go through. 

I contacted the toll free number and was told I had to go to a local branch with my ID for verification. I went to the local branch and was told to contact the Fraud Department. I contacted the Fraud Department who told me I had to go to a local branch with my ID for verification. I went BACK to the local branch and the banker called the Fraud Department with me in there. I was then told the account was being closed but they couldnt tell me why. After pressing for a reason I was told suspicion of fraud. Why? Because I make XXXX figures a year?! 

On top of that, they told me they would make a decision about the funds in our account and whether they would return them to us. SunTrust is holding our money, refusing to give it back, and the ONLY fraud that has been committed is the fraud committed on their end by closing our account and holding our 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 non-monetary relief
Consumer complaint received 2021-11-19
Company: CITIBANK, N.A.
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:
XXXXCBNA is a paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been having issues with Ocwen/PHH Mortgage since XX/XX/2019. We have attempted to wire transfer the original agreed upon reinstatement amount in XX/XX/2019, however it was returned. After speaking to someone there who informed me that it went to the wrong account and they would ensure that it would be deposited to the right account and we could continue our regular monthly payment in XX/XX/2019. Unfortunately that wasn't true each month that we've submitted our monthly payment it has been returned. I have attempted to send the reinstatement amount again and it was refused and returned. I have spoken to numerous personnel and each time I continue to get bad information along with wrong names and phone numbers of people to contact. I continuously called the XXXX XXXX XXXX who are the foreclosure attorneys and they keep referring me to Ocwen/PHH Mortgage. I have all of the documents that I've submitted since XX/XX/2019 along with copies of the retuned payments. They provide misleading information in their letters and I try and contact them with very little success. The reinstatement amount has gotten so high that there is no way for me to pay the required amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed my account and is not returning my funds and not giving me any recourse to dispute this with them. Over XXXX $ they have of my money. They had not communicated to me in writhing why they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account 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

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