BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my husband ( _________ ), and I _______ ), paid off in full, our mortgage with Fifth 3rd Bank. When we requested the payoff figure from Fifth 3rd Bank, we specifically made sure that we requested that they included all loan modifications that we made to our mortgage. We trusted Fifth Third Bank, to give us the total payoff figure of all the monies that were owed against our home so that my husband and I were no longer legally financially obligated to pay any more monies against our home. So, when Fifth Third Bank, gave us the total payoff figure of {$140000.00}, it was through our understanding that this was the total amount of our modified mortgage.

After my husband and I paid off the payoff figure, we received our mortgage release discharge and a copy of our deed. We believed that this was an indication that we were no longer legally financially obligated to the bank. and that we owned our house. 
Fast forward ten months later, a letter from XXXX, that was addressed only to my husband and not dated, stated that we still owed {$28000.00}, against our house. I contacted XXXX, and they informed me that I have to contact Fifth Third Bank about this matter. Yet when I called Fifth Third Bank, they informed me that I needed to speak to XXXX. 
I made numerous attempts to get this resolved through both agencies and neither one of these agencies will assist me because they feel that the other agency is responsible for this error. I reached out to Vice President XXXX XXXX, at Fifth Third Bank, on XX/XX/XXXX, XXXX and again, I was informed by Vice President XXXX XXXX XXXX that she was forwarding my issue to the complaint department. I am seeking assistance from anyone who is willing to help me with this matter. 

On XX/XX/XXXX, I sent an e-mail to XXXX XXXX, Head of Residential Mortgage, at Fifth Third Bank, requesting his assistance regarding this mortgage issue and informed him of all the problems I had been having trying to get assistance from the staff at his bank. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX, Head of Mortgage, at Fifth Third Bank 's Complaint Department responding from email that I sent. While discussing the loan modification payoff, I asked XXXX XXXX about the money that HUD gave for the loan modifications. XXXX XXXX, responded that HUD, never gave Fifth Third Bank, any money what's so ever. I then asked XXXX XXXX how was this possible? Her response was for me to call XXXX, with no explanation. So I asked XXXX XXXX, for a detail break down of all the payouts concerning my loan and modifications. I stated to XXXX XXXX, that I requested a detail payment and all payments from XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, from FHA Department, who informed me that HUD received a loan amount of {$28000.00}, from Fifth Third Bank. 

I am waiting for managers from different agencies because there is a discrepancy with both sides.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: OK
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:
I received a copy of my credit report and it was items on there that didnt belong to me so I contacted my bank and had them to freeze all my accounts until further notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Attached is all required documents they have requested drivers license social security card current bill approved police report and papers stating every fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: Aqua Finance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We purchased a Water softening system through XXXX XXXX XXXX, which they have their own finance company, Aqua Finance Inc. My husband is in the military and we were told we qualified for a special offer because of our credit and his status. We were to pay {$8000.00} for the system and only pay 10 % on the first {$1500.00} of the loan. We are now paying 0.03011 % /day for 10 years. It comes to {$6000.00} on a loan of {$8000.00}, we would pay {$14000.00} on a system that should have cost only {$5000.00} because they overcharged us for that as well. My parents looked into other authorized distributors of this product and it should have only cost us $ XXXX {$5000.00} with installation. We were told if we did not sign that day that we would not receive the special interest rate unless we signed there and then. We could get a personal loan for 4 % today with our credit. They are completely taking advantage of our age and military background. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Salesperson- XXXX XXXX XXXX XXXX Aqua Finance Inc . 
XXXX XXXX XXXX Dept. XXXX XXXX, AL XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX {$1800
.00} , XXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity a

nd 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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 have an unauthorized hard inquiry from XXXX on XX/XX/2023, on my Equifax report. I called the number provided on the report, and it was answered by a robot ; thus, I am unable to talk to a real human being to have the issue resolved. Equifax asked me to report this issue to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: CA
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 belongs to someone else

Complaint:
I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my TransUnion account online at www.transunion.com 2 ) I want my TransUnion account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. As of right now - I am not able to login online.

Please resolve as soon as possible.

Attached are my drivers license, social security card, and address.

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: CCF Intermediate Holdings LLC
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Complaint against : ( 1 ) XXXX XXXX XXXX that handles my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,  OH XXXX, Phone : XXXX  and ( 2 ) XXXX XXXX , XXXX. ( third party biller for XXXX XXXX XXXX  ), XXXX XXXX XXXX , XXXX,  FL XXXX, phone : ( XXXX  ) XXXX Here is a chronological order of events that have taken place so far, ( a ) A balance transfer of {$8700.00} was requested by me in XX/XX/XXXX from my XXXX   credit card to my XXXX XXXX XXXX credit card. Subsequently, a cashiers check for {$8700.00} was issued by XXXX XXXX XXXX  's third party biller service XXXX XXXX  and sent to XXXX XXXX XXXX credit card.

( b ) The check was deposited in my XXXX XXXX XXXX  credit card on XX/XX/XXXX ( c ) On XX/XX/XXXX, XXXX XXXX XXXX  card decided to reverse this transaction. So, XXXX XXXX XXXX mailed a cashiers check for {$8500.00} back to XXXX XXXX. XXXX XXXX XXXX cashiers Check Number XXXX, dated XX/XX/XXXX ( d ) XXXX XXXX XXXX   received this check on XX/XX/XXXX and deposited in their XXXX XXXX XXXX, Bank # XXXX, and sequence XXXX. 
( e ) However, his amount of {$8500.00} was never credited back to my XXXX XXXX XXXX  by XXXX XXXX XXXX.

( f ) In the last 16 months, I have written 6-7 times ( certified mails ) to XXXX XXXX XXXX about this issue. They have always replied that " they never received any check for {$8500.00} ''.

( g ) I spoke with XXXX XXXX  in XXXX XXXX  on XXXX. Upon checking her records, she indicated that {$8500.00} was in fact transferred to XXXX XXXX XXXX through ACH. She indicated having proof of XXXX XXXX XXXX  ACH debiting XXXX XXXX for the amount of {$8500.00}.

After 16 months of getting a run-around by all involved parties in this issue, I am completely frustrated and filing this complaint. I am requesting that this amount of {$8500.00} be credited to my XXXX XXXX XXXX ASAP. I am also asking that I be credited the balance transfer fee of {$87.00} as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On multiple occasions over the past 2 years, I have tried without success to write to Experian, XXXX, and XXXX regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX District of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.

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 2022-12-16
Company: Experian Information Solutions 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 am a victim of identity theft and my identity has been stolen and used against my wishes. attached is my social security card, state id, utility bill and FTC REPORT. 

delete and block all of the mention inquires from my credit report now. these are fraudulent inquires on my experian credit report 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 XXXXXX/XX/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 2022-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
While checking my credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXXXXXX XXXX XXXX on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XXXX You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to inquire without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 USC1681. 
XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM 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 THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2021-06-16
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXXcredit starting out since XX/XX/XXXXin XXXX then XXXX XXXX XXXX was found Im correct 2 accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and XXXX has found my info correct and removes it but within 2 or 3 days its right back back in XX/XX/XXXXits debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX in XX/XX/XXXXXXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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