BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NJ
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:
un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXX XXXXXXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, experian, 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 2023-05-05
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit reporting, credit repair services, 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:
Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB /TJX XXXX XXXX XXXX XXXX SYNCB / Walgreens XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022, I received a report from a service that I subscribe to that my social security number had been compromised. I was advised to place a FREEZE on my credit information with the XXXX credit reporting agencies and the XXXX. This was a simple process with XXXX, XXXX, and the XXXX. But Experian keeps redirecting me to something they call a Credit Lock. This is a subscription service for {$24.00} a month. They refuse to allow me to place or manage a FREEZE online. I have to send them a certified letter requesting the freeze. And I assume I will have to do the same to manage the freeze. I am going to send the letter but their approach to my problem just makes things more difficult, and the fact that when you go to their website to request a FREEZE they redirect you to their paid service using similar language in order to deceive people. Experian should not be permitted to operate in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, my name is XXXX XXXX XXXX Last year, a man came to my house and told me that he is XXXX XXXX XXXX  assistant and asked me to move to his carrier. Me and my friends put 3 lines in XXXX XXXX XXXX  but by somehow, he put me and 2 of other in the same line which i am the account holder. Later, one of my friend paid off the phone and move to separate line, the other one XXXX XXXX XXXX did the same thing but he didnt pay off the phone. XXXX XXXX XXXX XXXXhould have XXXX information, the ssn and address. Right now they put me in the collection with his phone. I know that he still using that phone but different number ( XXXX ). Maybe even him didnt know he have to pay for the phone. I tried to talk with the company but they keep asking me to pay for the phone which i never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 have written to Portfolio Recover on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TN
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have violated my rights . 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable accounts showing on my credit report. It has been almost two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Contacted mortgage servicer XX/XX/2023 to request escrow shortage be amortized over 72 months because my monthly mortgage payment has increased sustainably. The taxes and Hazard Insurance increased because of the economy. Was informed by customer service that she would not submit request, because of servicer losing funds assisting homeowners. Conversation was recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX  transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
I recently sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES, LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES, LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES, LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MS
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I discovered fraud, my money market account was hacked all Statements were surpressed both paper and electronic so no way fro me to determine fraud. When asking Customer service how and when that happened they said not able to tell its a new system. I received a email from bank asking to approve transfer i called immediately and asked what was going on at that point we determined that fraud had occurred. I asked for all statements to be sent to me the amount was over XXXX with multiple web withdraws paid to XXXX XXXX, working with XXXX dispute they have dined some requests saying i should have stopped them sooner. With no statements, paper or electronic not sure how a bank can send nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In 2008 I purchased a XXXX-door XXXX XXXX XXXX SUV. The company that gave me financing is located in XXXX, Arizona. As for this collection agency, I dont know them or who they might be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: U.S. BANCORP
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX I received a call about fraudulent activity on my checking account at which it was discovered that XXXX had been wired out of our savings account. They were suppose to report that and close the accounts which he did not. I got an email about another attempt to wire another XXXX out of our account. I called customer service to repot that and stop it and they put a block on our accounts and reported the fraud again. We went to our local branch to open new accts. We were had issues and I called customer service and they said our original accounts had not been closed so we had to go back close everything again and open new accounts again. 
At this time we have heard nothing about our wire fraud. Hence today XX/XX/XXXX we find out by calling customer service that they denied our claim on XX/XX/XXXX. We have heard nothing from the bank or the wire fraud department at all about why.

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 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XX/XX/23, the payment is still on hold. When I called TD card services they said that they will have it on hold until they can verify the funds. I made the payment through their website. The payment came out of my account on XX/XX/23. My bank states they got the full amount of the payment that day. I spoke with a supervisor ( XXXX ) and a Manager XXXX. They would not give me any other identifiable information, no employee number. XXXX said I would only have her name and the date and time of my call. They both told me that if I had used a TD bank account for the payment they would release the hold immediately, but since I dont they would not. This is also the same account that I have on file for all my payments I make to them. I had enough to make a larger payment so I did. Now I dont have my money nor do I have use of my credit card since they placed a hold on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There was a major tornado in XXXX Ohio on XX/XX/XXXX. My husband and I have a mortgage through Roundpoint Loan Services. We had a fire in our home in XXXX, a flood in XXXX and our homeowner insurance dropped us. We were not insured so the mortgage company placed forced insurance. 
We filed a claim and the forced placed insurance issued a claim for {$83000.00} to the mortgage company for repairs with {$10000.00} for recoverables. Our mortgage owed, not payoff was around {$93000.00} give or take. Our XXXX square foot home is a total loss. We have verbal quotes around {$200000.00} to fix and every contractor states easier to tear down and rebuild than to fix. 
I requested that Roundpoint uses the funds received to payoff the loan and eat the {$15000.00} since they under insured the forced placed coverage AND the property has PMI coverage, they will get their money but I dont feel we have to pay {$15000.00} because they under insured their forced placed coverage that we paid for. They called and told us no they will not use the funds to pay off the mortgage and has started sending foreclosure documents. Also we are actively seeking help from XXXX and the XXXX however this has been a slow process. 
Now the home is full of XXXX mold, they didnt tarp the home when we called the mortgage company. We called countless times asking for their insurance to help and our home is in worse shape. There should be no issue with them using the money in the escrow/ suspense account, pay off the loan while we are trying to get help with a loan to repair with the XXXX XXXX They are tearing up my credit by not using the funds to pay off the loan and I do not understand why my loan can not be paid off. Any assistance would be helpful

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 2023-11-06
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
please get in touch with PayPal as they are trying to collect the {$350.00} already closed in my favor. The {$350.00} resulted from an unauthorized transaction and they are taking my money {$100.00} and net the {$350.00} resulted in a negative {$240.00} on my Paypal. 

Case details Case ID : XXXX Disputed amount : {$350.00} USD Receiver info : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Case status : Closed The case was closed in your favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2018-05-12
Company: EQUIFAX, INC.
State: KY
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:
XXXX ( dba.XXXX XXXX ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XXXX, XXXX XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold XXXX responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the past, my purchases with Home Depot were deferred promotional Interest. On XX/XX/XXXX, I was charged with interest in the amount of {$140.00} for a purchase in the amount of {$420.00} which was made on XX/XX/XXXX, last year. This purchase was paid in full over XXXX year ago on XX/XX/XXXX, the next month with my payment of {$580.00}. I have attached a letter and evidence.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-08
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, 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:
i spoke with Equifax representitives multiple times explaining that there was a hard inquiry that i at no point requested or authorized by the company XXXX. i was finally sent to the fraud department in which i was told they would be able to remove the inquiry. looking back into my acount on the XXXX all i had was a fraud alert which i did not request and the hard inquiry was still reporting. i called once again and was told there was nothing they could do and to file this complaint. again at no point did i request my information to be furnished for any account once so ever with XXXX ive only recently noticed this account because i am looking into getting a few lines of credit and this is damaging my ability.

Company response to consumer: Closed with explanation