BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sir, I am a client in your esteemed bank holding checking account number : XXXX, due to some fraudulent activity my account was closed. That I do not owed Bank of America any money. 
Therefore, I would request you to reactivate a new account to enable me to proceed with future transactions. 

I ensure onward I shall take care and monitor my statement carefully, to hopefully prevent my card being stolen. 

Thank you in advance for your prompt attention to the issue.

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 2021-03-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021, XXXX PM Called SPS, rep stated that client was denied for modification due to insufficient payment reduction. Only options at this time are short sale, reinstatement, and deed in lieu. The denial has been faxed over to us and we should receive it in about XXXX hours. 
XX/XX/2021, XXXX PM Called SPS, they should have a decision on the file by XX/XX/XXXX, or before, the rep advised me that they should have a decision within XXXX weeks of submission XX/XX/2021, XXXX PM Called SPS for an update, rep said that all docs were recieved as of the XXXX and it still pending decision, she mentioned we should follow up in a week to see if there is a decision made. I have asked several times for help from my mortgage company I have submitted many applications like I was told to by every person from my mortgage company I have asked for a loan modification each time they tell me that they never got my paperwork I sent so many applications requested so many call backs from a manager who could give me answers, but all I do is get lied to by my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KIMBALL TIREY & ST J has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED XXXX {$34000.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2021-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not recall receiving any information and this debt. I began to show up on my credit report stating that I owed money. When I called they could not give me any more information just stating that I owed a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX at ECMC repeatedly asserts that ECMC is not the " correct company '', yet via email she does have documentation related to my loan. So, obviously ECMC IS the CORRECT COMPANY. 

In addition, I previously attached a copy of one of the threatening letters I have received from ECMC. 

She also claims that I have not made payments on this loan in over a year. That is absolutely false. For years, I have been and continue to make monthly payments to XXXX. 

Once again, I am requesting copies of any and all documentation pertaining to my student loan.

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 2018-12-06
Company: Verisk Analytics Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I pulled my XXXX consumer ( Property Loss ) report by contacting Verisk. The report contains information on a Homeowner 's policy listed in my name and I DO NOT own any Real Property of any kind. Publishing a property loss claim on a homeowners policy in my name is a fraud and any insurance company uses this as an excuse to inflate insurance premiums as additional risk. 

I wrote Verisk on XX/XX/2018 and again on XX/XX/2018 to request documentary evidence of an insurance policy bearing my name and signature associated with the reported insurance loss. Verisk simply states the loss is verified by telephone and has referred me to XXXX 's XXXX to request information from their data furnisher. 

My dispute letters are very clear that I requested a copy of the insurance papers bearing my name and signature ( as required of the FCRA ). I do not believe there was any investigation because XXXX XXXX XXXX, XXXX 's, and Verisk has sent me nothing of any merit to verify any homeowner 's policy and/or a loss bearing my name. 

I received two identical letters and a print copy from their database ( pages attached ) This property loss needs to be deleted from my property loss report because there is no verification, it is inaccurate and/or incomplete. XXXX dba Verisk must verify and validate this information as accurate or delete this record as it is damaging my character in the financial industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle incorrect and unverifiable accounts that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. PLEASE GET RID OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX {$3300.00} 2. XXXX XXXX {$450.00}

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 2023-07-25
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:
XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair credit reporting act Account : XXXX Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied with Quicken Loan for my house back in XX/XX/2021. I have had serval Loan estimates since my first one all the way to the end. I got a loan estimate on XXXX stating I need to bring {$2200.00} to close. On XXXX, two days later right before closing on XX/XX/XXXX, my final estimate was {$5800.00}. In XXXX days it goes up {$3500.00} right before closing with no clear explanation again. One guy says its the XXXX 'S but I have everything in an email to the banker showing all the one time fees at closing in XXXX. They had all this information. It gets better, Now I was originally only suppose to bring a couple XXXX to close as stated in XXXX. The first estimate states me getting a check back for {$20.00} and no lender credits. After I got this, I emailed them back saying your missing {$5300.00} in fees. So she then gives me a {$4500.00} credit and I agreed to those terms. Then I get another estimate stating I owe {$4300.00} with a {$4500.00} credit!! So then she ups it to a {$7000.00} credit which leaves me at {$1800.00} to close. Then on XXXX I find out they are giving me a total of {$10000.00} in lender paid fees plus I owe the {$5800.00}. So this bank was off by {$12000.00} from beginning to end. That's unacceptable to be off by so much and then stick me with the big bill at closing XXXX days before. The loan estimate was about XXXX to begin with and when it was done it was close to XXXX. That is a lot of money to be off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-03-22
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a notice in the mail from TCF Bank on XX/XX/XXXX, dated XX/XX/XXXX, notifying me that an account in my name was been overdrafted. I did not open this account, and have no relationship with it. This may be part of an on-going attempt by an unknown person to steal my identity, which has involved over 10 attempts to take out unauthorized lines of credit and loans in my name. I have an active report filed with the XXXX Police Department related to this. I have checked my credit report and there is no notice of a hard or soft credit pull by TCF Bank or Chemical Bank. I put a freeze on my credit report using all three credit agencies in XXXX. No attempt was made by TCF Bank that reached me to verify this account prior to it being opened. I just spent almost 20 minutes on the phone with a TCF Bank representative who filed an internal report that the account was fraudulently opened, but refused to freeze or close the account. I was told that if I visited a branch that it " might be possible '' to close it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sequium Asset Solutions LLC is claiming I owe them {$64.00} I made the mistake to provide my SSN to XXXX XXXX from XXXX thinking I could open a credit card processing account for my new online business. Days later, identity theft. 

I dont owe anything and this is fraud This could also be from XXXX. I tried to open an internet account but there was no connection to them in my building and all service had to be cancelled before it even started all equipment was returned. I even called twice to confirm cancellation, but they didnt ask for my SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: GA
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:
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. 

These accounts have violated my rights ; XXXX XXXX XXXX DEPARTMENT OF TREASU XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 keynote consulting claims I owe {$1500.00}, I never heard of company or did any business with them, no contract or signed documents from company

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 2023-09-18
Company: EQUIFAX, INC.
State: TX
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:
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 XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: IL
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 DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT XXXX : XXXX 2. OPPITY FIN ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank keeps holding my deposits and charging me overdraft fees due to the fact that bank account goes overdraft because they are holding my funds.

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 2019-01-08
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i had account with XXXX  and salesepaerson came to me presenting XXXX  but they werent XXXX   they were XXXX XXXX XXXX then i paid XXXX i never recieve the phones but 4 month later XXXX  billed me with XXXX i called XXXX  and there were 2 number created under my name with new number i tried to call XXXX XXXX XXXX and explain they want to charge me XXXX termination fee then they send me to collections i been thro this since 2014 i have the XXXX  receipt with different name on signature now i dispute this case with XXXX XXXX  and i feel that they abusing my credit report and i have the paper work i cnotact XXXX  and XXXX waived the bill and marked the account as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a couple of accounts listed on my reports that aren't mine. Please remove them.

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