BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Factor Trust
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: Old information reappears or never goes away

Complaint:
Was told this company reporting Credit background information on me. Company called FACTORTRUST.com. When i contacted them and discovered, old information 5plus years, accounts i have never heard of, derogatory information ( false information on me ), and my XXXX XXXX  discharge in 2020 removes any creditor information. This company refuses to update, report accurately, remove information that negatively affects me that's inaccurate or false. After contact and verifying my identity, the company responded to my requests as follows " Good Morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims, including a copy of a valid police report or an identity theft affidavit for any fraud related dispute items with corresponding dates. This supporting documentation can be mailed in to us. If you have any questions or concerns, please give us a call at ( XXXX ) XXXX. 
Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I verified who i am but the excuse to remove this information and yet report to companies such as XXXX has negatively impacted me. I have never received any report of any information from this consumer reporting agency associated with XXXX. I have had similar problems with XXXX. This company refuses to follow consumer guidelines and refuses to update or remove invalid information that is 5-10 plus years old that dishonest, out of date, or simply false and requested proof of such accounts but they are making ME get a report of identity theft to remove this information THEY are reporting without a Registration to the Consumer Financial Protection Bureau .

They have never showed up on any report until now and have been giving false information on me.

I have requested the proper information be updated and removed and they have refused under the guise they have to have ME do an identity theft report in the middle of buying a house. They are reporting on consumers without notifying consumers they are doing so and have old, outdated or false information they have no investigated or accurately reported on consumers and therefore breaking the law and hurting consumers by negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} FCO ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XXXX XXXX ( ) said that there are no upfront fees for the service they provide. They are paid by receiving a portion of the reduced settlements they negotiate on your behalf. I recently cancelled by account with them, because I didn't feel like they were actually getting results. Upon cancellation they informed me that I would receive the funds in my deposit account in 14 business days. I spoke with them on XX/XX/2022. I have yet to receive my funds as of XX/XX/2022 and when I checked my account with their partner Global Holdings LLC ( XXXX ) There is a small amount of the money that was being deposited with them left in my account. They claimed to have made a payment to one of my creditors ( XXXX XXXX XXXX ) on XX/XX/2022. According to my most recent credit report dated XX/XX/2022, there have been no payments made to XXXX XXXX XXXX. Some other payments are showing to a creditor ( XXXX XXXX XXXX ) that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Started with freedom debt relief XXXX XXXX years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I moved to XXXX, TN about 1 year ago and established a banking relationship with Regions Bank. 
I am retired and get 3 monthly checks. Two checks are for a fixed amount from a national insurance company ( {$8100.00} and {$1000.00} ) each month. I receive a third check each and every month of varying amounts of between $ XXXX {$6000.00}. 
I keep a multiple of many times these amounts in my checking account at all times. 
For the first 9 months I deposited these checks and all went perfectly fine with no holds placed on any of the deposited funds. 
About 3 months ago, Regions instituted a new option on the deposit of checks ( funds available immediately ) for a fee 1 to 4 % of the check value ( with a minimum fee of {$5.00} ). As a business owner and operator for 40 years, I do understand the business need for a fee for the service. 
At the same time that this option was instituted, the bank starting placing a 10 day hold on every XXXX of my regular monthly checks that was more than {$1000.00} despite never doing that in the past. 
I have had XXXX conversations with XXXX of the local bank managers, who apologies, removes the holds, and sends a note for the next regional level of management to contact me about the issue. He states that this situation is due to a new algorithm that the home office instituted about 3 months ago. He hates this as he has to field numerous complaints just like mine. I have never received a call back from the next level of management after 3 months. I have also gone to the Regions website and summitted complaints about the new practice, but received no reply. 
As it appears to me, it looks like the bank is using their new algorithm as a predatory excuse to skim XXXX % off of every large deposited check if someone is in a tight financial situation. Luckily, I keep a large cushion in my checking so that the 10 day holds are not an issue. If I were someone in a tight financial position that couldnt wait for 10 days for the money, this huge fee could be devastating and I think it is very unfair to the average consumer.

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 2018-04-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, my application was denied in violation of 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 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Transunion and XXXX are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.

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 2023-11-03
Company: EQUIFAX, INC.
State: NJ
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: MD
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:
It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Experian has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
They need to take the off my credit it got more that ten years and some of them there more that three time and paying on them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}

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 2021-12-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
first was XXXX XXXX XXXX i owed money to and was put in collections by then i made several hundred dollar payments on time got caught up then started receiving phone calls non stop about XXXX calls a day from them harassing me when i was XXXX day late on my next payment even when i was all caught up on past due owed. i got in financial hardship due to covid and told them but they still call all day over XXXX calls day harassing me even XXXX day late. lvnv funding took over acct and put me in collections for original amount owed and did not give me credit for all payments i made i notified them every couple weeks for mons they didn't have accurate info to get correct info they have me in collections for hundreds more then i owe i told them contact XXXX XXXX to get my payments i made update my credit report they didn't they transferred to true accord who then i emailed for months trying to tell them the issue they didn't care but they tried to settle the said for 60 percent of what they said i owed which was not the correct amount the amount they tried to settle for was more then correct amount i really owe i send true accord my proof bank statements that i paid asked them to update what i owe with proof i had then XXXX days later i asked true accord to now settle with new info i gave them wasczold they transferred acct back to lvnv funding as they didn't wants to be involved collecting on a debt that's fraud and not truly what i owe the have me in collections for hundreds more then what i owe i have sent proof i have been emailing them for months now for them to fix it yet lvnv refuses to put the correct amount i owe or do anything to help me fix the situation i admit i owe a couple hundred but the are charging me for the original amount i owed before all the payments i made and i can not get any help and im trying to fix my credit so i can get a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
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:
It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/ and XXXX 60 day late payment dated XX/XX/. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.

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 2023-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I phoned Select Portfolio Servicing XXXX Inc. to request an updated escrow analysis to reflect the significant permanent decrease in the property tax for my home. The property taxes decreased by {$1800.00}. 

I followed their instructions to email my request and attached the official tax document showing the lower property tax amount. I did so on XX/XX/2023. 

Since that date, I have emailed my request again ( XX/XX/2023 ) and I have phoned them on five ( 5 ) occasions- XX/XX/2023, XX/XX/2023, XX/XX/2023 and twice on XX/XX/2023. On each occasion, a different excuse was given and a different time frame as to when my request for an updated escrow analysis would be completed. 

The decreased property taxes should reduce my monthly mortgage rate. Given the current rate of inflation, any decrease in my monthly mortgage expenses would be greatly appreciated. 

Thank you in advance for your assistance in getting them to respond to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation