BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company claims to be part of us department of EDU.. 
On XX/XX/XXXX the ( REAL ) DEPARTMENT OF EDUCATION stated no loan nor debt in any amount is owed nor passed off to a collection agency Also stating that the information provided on my credit report is not associated with the department of education the phone number no address, JUST A NAME! there is no proof of contract. The reporting company has not done the due diligence of finding any contracts involved. Not researching the contact information of the company which has a phone number that is fraud This giving me a clear understanding of facts that my rights are being violated under the Fair credit reporting act. 

Opened XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU Second account involved : Opened XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU I used the contact information provided of which is claiming the debt and found out it to be fraud. I then contacted the department of education and found out no debt is owed, then reached out to the credit reporting agency who could not provide me with any proof of consent or contract of the debt claiming to be owed, false information with the title edu.. please be responsible and understanding the different levels of identity theft fraud and misuse of information .. ( FCRA ) Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX XXXX Credit Card I submitted the minimum payment every month for the last 12 months. It is reporting that I was late 30 and 60 days in XXXX and XXXX. I want these late payments removed immediately from my report because they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My wife and I applied to refinance our existing loan through Key Bank on XX/XX/XXXX. Our home was originally appraised at over XXXX XXXX on or around XXXX. The current loan was around $ XXXX when our application was taken. Our home address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The appraisal value done by XXXX XXXX has reported a value of {$700000.00}. Initially, XXXX XXXX XXXX took our application in a secure portal, and later in our process, he needed help to show the correct income on our application. Then our loan was transferred to XXXX XXXX, and XXXX XXXX reviewed our loan process. The lender ( Key Bank ) authorized an appraiser to start our loan process, and we paid the appraisal fee. Our appraiser was XXXX XXXX XXXX, with license number XXXX. At this point, with our complaint, his license is revoked by The State of Oregon. The long story, XXXX XXXX bodged our appraisal by misrepresenting the actual value of our property, not reporting the correct square footage to the lender, and not correcting the report when he was asked to revisit the property. The Lender, Key Bank, refused to send another appriser and to make it right. They asked me to fill out a report stating the discrepancies and advising me that this was the only action that may occur. They discriminated against giving us a mortgage loan while our income and credit scores were and still are in high percentages. When our application was taken, the interest rate was on or around XXXX XXXX, while our existing loan is around XXXX XXXX. They refunded our appraiser fee and refused to give us a Mortgage loan. 

XXXX XXXX Mortgage Loan Officer NMLS # XXXX Office : XXXX Fax : XXXX Mobile : XXXX XXXX XXXX | XXXX Mortgage Assistant Vice President | Mortgage Loan Officer Office ( XXXX ) XXXX | Fax ( XXXX ) XXXX | Cell ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After lengthly back and forth communications, we were told our home did not appraise to make the loan and the lender did not initiate a qualified appraiser so we can see what the true value for the property was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX   INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$42.00} Amount {$42.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I have no knowledge of this bill I have health insurance that have paid these bills around that time I have proof of that. it just appeared on my Credit report now it showing that I owe this and its bringing my credit report down on my credit numbers I also get phone calls from this agency disguising numbers at all times of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX ; XXXX and Transunion are reporting the incorrect credit limit amounts on the XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items 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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: SYNCHRONY FINANCIAL
State: TX
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 XXXX XXXX is listing 2 separate accounts as in an open status. They are both from the same creditor XXXX XXXX. They are both paid collections and should be listed as a closed status.

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 2023-04-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I made a {$1600.00} cash deposit on the drive through ATM at the CitiBank branch located at XXXX XXXX XXXX XXXX. Upon the trial, the machine only gave me a slip saying that there was a technical error and that it could not give it to me back. 

I contacted customer service and its been more than 2 months since the occurrence.

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 2019-06-27
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX  and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was renting an appartment. the lady who manages the property had her son living with me and we had a verbal agreement that it will be a month to month lease. when i run into some financial hardship she had me evicted and now she the company is coming after me for XXXX just to hurt my credit. the original creditor is XXXX XXXX XXXX  the debt collector agency is AARGON AGENCY INC.I have been evicted and the property was automatically leased to a new tenant.every month when i lived there i paid my rent. the property manager who had that agreement with me is XXXX XXXX and her son who shared the home with me is 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
Consumer complaint received 2021-05-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In early XXXX suntrust bank repossessed the truck when the payment was not behind. I lost work and filed complaint then but all i got was excuses. Then in XXXX I was informed by Suntrust that the loan was charged off on XX/XX/XXXX yet they accepted a payment on XX/XX/XXXX. I then made a XXXX payment to Suntrust and I was then informed they did not accept it nor did they send me notification that it was charged off. I then continued to make the payment in fear of having the truck repossessed AGAIN like they did when a payment was not yet due. Four complaints to your office in five years and nothing have you did. I spent four thosand dollars last year with tires a new front end brand new computer and bought a new engine waiting to go in the truck. But no title because of weak goverment AND A GREEDY BANK.

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 2019-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Pennymac the loan servicer was initially contacted on multiple occasions in regards to hardship on my mortgage as I will be permanently having a loss in come due to my employers commission structure. I spoke to the hardships team which couldn't help me until I fully defaulted on the loan they only option provided was short term forbearance. I was then transferred to the refinance team as an alternative and spoke to XXXX XXXX who provided a deceptive loan estimate with an estimated prop value of XXXX. All he was interested in was a sale and his commission not my hardship. He was asked multiple times how accurate that value was and how that would affect the loan and he assured me it wouldn't have so much an impact if the appraisal came back less.The appraisal came back less and jacked up the loan origination fees and cost of the rate by XXXX ( see pg 2 of support ). XXXX also falsely put a cash out refi on the loan estimate and the purpose of the loan was lower the payment and/or interest rate NOT to take cash out. He offered to give me XXXX cash out without me asking for it. I spoke to his manager XXXX XXXX XXXX on multiple occasions who advised me that the refi was not in my best interest and wanted me to bring XXXX in closing costs to the table which can not afford due to loss of income. I continued to get emails from XXXX XXXX about my refi that was still going through without my consent as nobody would speak to me about the loan as they were proceeding on their own terms. I would just get redirected to XXXX 's voicemail in hopes of a call back. Due to this pennymac has put multiple inquiries on my credit that I would like ALL of them removed, all my calls listened to, and would also like their deceptive sales practices looked into as they do not have the consumers interest at heart especially during times of hardship. LOAN ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the Equifax data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Party Owed : XXXX Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and First Franklin . First Franklin the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. First Franklin did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

First Franklin subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to XXXX. Because First Franklin was barred from any further collection of deficiency the order would follow the chain of sales of account. 

XXXX has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with XXXX. XXXX has no rights of collection. XXXX provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

XXXX also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and XXXX on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to XXXX on XXXXThis case was dismissed by XXXX XXXX Florida court on XX/XX/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
Consumer complaint received 2020-12-17
Company: Credit Plus 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports perXXXX XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation