BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: OH
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a bill statement for a debt by a  XXXX  party company. I requested debt verification from the debt collection agency, they have reported this debt to all the collection agencies. I received a verification of debt with my medical records number, itemized charges and procedures that were done. I believe this info has violated the   XXXX   XXXX  , I did n't give permission for my info to be released to any  XXXX  party agency. I did n't give anyone permission to release my medical info to anyone besides the attending  XXXX  for treatment of service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I refer you to my prior complaint XXXX. This was a complaint against City Bank who refused to address an erroneous or fraudulent {$1000.00} charge on my credit card. Once you got involved they almost immediately reversed the charge. They did not, however, address the interest and fees they applied based on the erroneous charge. They are still charging interest and fees and refuse to address the issue. All of this interest and fees are based on that {$1000.00} charge. I have paid any charges that I actually incurred in full every month. I have monthly statements from Citi as well as my bank verifying those payments. I've talked to Citi personnel on the phone and have sent them letters. 
They have also filed derogatory reports related to my credit. 
They have harassed me at work, on my cell phone, on my home phone and through emails. I hate to bother you with this but I'm at a loss as to what I can do and thank you for any assistance you can 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 monetary relief
Consumer complaint received 2021-09-23
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have refinanced our mortgage for a property I own in XXXX RI in XXXX of XXXX. 

The mortgage was refinanced through a company called Guaranteed Rate ( XXXX ). 

Our lender prior to that has been XXXX XXXX. Once the refinance went through the mortgage was immediately sold to XXXX. 

It took XXXX two ( 2 ) months to set up our account during which time we made two payments to Guaranteed Rate using temporary payment coupons. I can provide copies of processed checks for those payments. 

I can also provide a screenshot of our statements from the previous lender, XXXX, showing that those statements end in XX/XX/XXXX as well as a screenshot of our statements from the current lender, XXXX, showing that those start with the XXXX statement ( due date XX/XX/XXXX ) to demonstrate the gap during which payments were made to Guaranteed Rate. 

The issue is XXXX says they have no records of those two payments being remitted to them. They sent us a 1098 with 10 months worth of payments and interest because thats what theyre saying we paid.

The Guaranteed Rate representatives I spoke with said it looked like the money got stuck in your system somehow which is why we have not received a 1098 from Guaranteed Rate for those payments.

After a couple of months of back and forth received a 1098 from Guaranteed Rate showing the interest from the two missing payments and now a representative I spoke with says it does in fact look like the money was never remitted. 

Problem is I started getting a run around from every representative I spoke with after that. After over 2 month of emails and questions going unanswered they unilaterally closed my ticket with no resolution or refund and the only option they're now offering me is to start a new ticket and the process of looking into it again. 

To summarize XXXX is still saying they never received those payments and now we have the 1098 from Guaranteed rate for them which means that they did and the money is stuck in their system.

This means that Guaranteed Rate is holding two payments in the amount of {$2100.00} each for a total of {$4200.00} I would like to get those payments refunded so I can apply them to our mortgage directly with our new lender but I am getting no feedback or responses from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hud paid my mortgage company XXXX and the amount has not been deducted for the original amount owed. I have called Midland Mortgage and gotten no answers as to where the money went. I do not understand how the balance is the same when Hud paid XXXX. I am trying to sell my home and I am unable to due to this problem. When I called Midland Mortgage and spoke to a supervisor I was disconnected when I asked what happened to the money that HUD paid Midland Mortgage. 
I want to sell the home!

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 2023-07-24
Company: The Savings Group, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
RateGenius made multiple " offers '' to lower the rate on my current auto loan. They had several offers with different rates and different loan terms. I chose to go with the 3.5 % rate for 60 months. I clicked the " disclosures and details '' tab and it gave a very detailed breakdown comparison between my current loan and what new loan would look like and how much I would save on my monthly payments as well as the overall interest savings over life of loan. It showed my current lender, exact current loan balance, current loan rate, how many months of payments I had left. ( My auto is brand new and I had 58 payments left on a 60 month loan ). It showed every possible data fact regarding my auto loan! They even had my Vin # on my vehicle. So I clicked the " TAKE OFFER '' tab. They confirmed my address, birthdate, and cell #. They did a hard inquiry on my credit reports. They sent me a text about an hour later that said " Congratulations! Your loan is approved! Call us! '' So I called. As soon as he was on the phone he said. " We will not be able to beat your current auto loan rate. That's a very good rate. We will be much higher! BUT, what we CAN do is refinance your loan for a lower monthly payment. How does that sound? '' A complete Bait and Switch! They had zero intentions of refinancing my loan or anybody elses loan at 3.5 %! They used a fake rate to trick me into makeing loan application. Just so they could get me on the phone with a loan officer and hopefully refinance my loan at a higher rate and a lower monthly payment. A complete waste of time with their very misleading " offers ''. They damaged my credit score! ( It dropped 8 points )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
remove all hard inquiries that dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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 lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and American Express with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE SENT LETTERS REQUESTING AN INVESTIGATION. I HAVE NOT RECEIVED ANY CORRESPONDENCE FROM TRANSUNION AND I HAVE NOT RECEIVED AN UPDATED 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 2017-05-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to   XXXX   XXXX   for " incorrect name '' on personal information. My name is   XXXX   XXXX   XXXX  . My maiden name is   XXXX   XXXX  . I have no middle initial. My email address is  XXXX .     Thank you,   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 2021-08-18
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C. System, Inc. has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). I.C. System, Inc. was not present for the initial correspondence between myself, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, therefor I.C. System, Inc. is in direct violation of my rights by contacting about this alleged debt. I.C. System, Inc. has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave I.C. System, Inc. consent to contact me about anything. I.C. System, Inc. furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).

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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  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 2023-05-02
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/2023, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX 

See the attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: New Mexico Educational Assistance Foundation
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am getting calls everyday. I ca n't access my account online, the customer sevicers are rude. My payments do not show on he statements I am given and since I can not login to my account they have made it very difficult for me to keep track of my payments and charge me without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XX/XX/. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, XXXX  XXXX XXXX sent me a letter approving my Income-Driven Repayment plan for the total amount to be billed monthly at {$320.00}. After getting a one-month forbearance, I paid the total amount with two separate payments electronically by the due date. The first payment ( electronic debit ) was {$210.00} and the regular bill was {$110.00}. This totals the agreed amount of {$320.00}. A day after the due date, after I paid, I checked my account and saw that my account was delinquent. I was told I owe {$75.00}. This is not part of my payment agreement. 

I called customer service on XX/XX/18 and spoke to a person named XXXX at XXXX   XXXX XXXX. She told me that XXXX XXXX has two systems. In the system I see, I am overdue ; however, in another system I can not see, I am up to date. She said she " is going '' with the one that says I paid. I told her that when I call or log in to my account, it shows that I owe {$75.00} and that my account is delinquent. I asked if I should just pay the amount. She said I can or not, it does not matter. I said I am worried that my credit will be destroyed, that my loans at my current graduate school will be canceled, and being in default could prevent me from getting a XXXX XXXX. She said that they would not report me until 90 days, so I SHOULD be okay. She apologized, but I was left hanging. 

I did email their advocacy hotline ; however, I am very, very worried because if this continues, XXXX will cancel my aid, and my credit will suffer. I don't have much time. I have had repeated problems with XXXX XXXX XXXX. It makes no sense that they can not fix this problem. I got a text dated XX/XX/XXXX that told me I am five days late on my payment. I am not and paid according to the terms.

Company response to consumer: Closed with non-monetary relief