BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the beginning of the COVID-19 pandemic, I was paying my loan, as I was receiving the federal plus-up for my XXXX-induced unemployment. Once the federal plus-up ended, I was no longer able to make payments, So I went back to school to get my XXXX, and XXXX XXXX XXXX ( XXXX ), my former loan servicer, told me I could get it deferred while I was in school. They continued to lead me on until they placed the loan in default, and then told me they could no longer defer it, and then sold it off to another company ( Transworld Systems ), who is now asking for the payment in full, and harassing my XXXX year old grandmother for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Roth IRA CD Account. Under COVID regulations, allowed to withdraw and roll into Roth IRA without penalty. Verified orally on the phone there would be no penalty or fee. Incorrectly charged {$50.00} penalty for early withdrawal. Also charged a {$25.00} fee. Occurred in XX/XX/. Have called multiple times and visited XXXX branches over last 2 years. Each time told a ticket has been opened and there would be follow up. No resolution, no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: IL
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:
Refer to the attached documents. I urge the bureau to initiate an investigation into these accounts, as I am never late, but they are incorrectly reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My banking and equity line were with Suntrust until Truist made a full transition in XXXX. I don't get paper statements and online statements have been unavailable the entire time. I don't know where my automatic payment to my equity line went in XXXX but they showed I did not pay and then double billed me in XXXX with a late fee ( I had removed later ). My open equity line stopped after 10 years ( 8 years ago ) and went into full repayment mode and I had been using auto payments ever since so I did not have to think about it. They totally screwed up my payments. They reopened my original E-line on my account like it is another e-line and started withdrawing auto payments to both E-line accounts. They only handle mortgage stuff over the phone and it takes over an hour on hold to speak to someone who can't help you. Over 10 hours on the phone so far and not resolved. They told me the accounts are linked together and can't stop double billing me and taking my money. I need that money for something. The only thing that does work is their ability to take my money without asking. Somebody please help!!!

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 2019-01-29
Company: GREAT LAKES
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I HAVE GOTTEN REPEATED PHONE CALLS TO MY JOB AND CELL WHILE AT WORK THREATENING ME EVERY DAY. THEY HAVE ALSO LEFT VOICE MESSAGES AS WELL. THEY ARE STILL CALLING MY JOB AFTER I HAVE REPEATEDLY ASKED THEM NOT TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC made an arrangement with me via phone conversation, to pay a settlement amount on an account they acquired. The agreement was for {$25.00} paid for 13 months. I called the company months before the end of the payment deadline, to find out exactly when the payments would finish. I just wanted to verify their records with mine. The woman I spoke with confirmed the last payment would be XX/XX/XXXX. XX/XX/XXXX came around and the company mentioned took yet another payment out of my bank. When I called to complain, a man said the agreement was for 15 months, not 13. I disagreed with him and referenced the previous call to check on the details and he said the woman was wrong. He said, " I'm looking at the printed agreement right now. '' He forced me to pay two extra payments or I would have to pay the whole amount. Trying to complain was useless. I have no paperwork of the verbal agreement made. Never did. All the payments were electronically withdrawn monthly from my XXXX XXXX XXXX XXXX XXXX XXXX, Kansas, account now closed. I do not remember the account number. The transactions took place from XX/XX/XXXX, until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/XXXX I COMPLETED A LOAN MODIFICATION PACKAGED AND FILED IT IN A TIMELY MANNER WITH XXXX XXXX VIA MAIL AND FAX SHE ACKNOWLEDGED RECEIT OF PACKAGE VIA A RETURNED LETTER AND VIA PHONE FROM HER XXXX XXXX OFFICE ON XXXX OF XXXX SOME SEVEN TO EIGHT DAYS PRIOR TO THE XX/XX/XXXX TRUSTEE SALE DATE PRIOR TO THIS LOAN MODIFICATION ON XX/XX/XXXX THE YEAR THAT THE HOMEOWNER BILL OF RIGHTS ( HBOR ) BECAME LAW IN CALIFORNIA I HAD A PREVIOUS MODIFICATION FILED. MY PRINCIPAL BALANCE WAS XXXX ( SEE ATTACHED ) AFTER MY THREE TRIAL PAYMENTS XXXX XXXX XXXX I WAS ON MY WAY TO PAYING OFF MY FAMILY HOME ON A VERY SOLID PAYMENT PLAN THEN THROUGH SOME FRAUD AND DECEPTION NOT HONORING OUR VERBAL CONTRACT I FOUND OUT ON THE WRITTEN CONTACT XXXX XXXX XXXX BALANCE DID NOT REFLECT THE VERBAL NOR THE THREE TRIAL PAYMENTS BALANCE, A DISPUTE ENSUED AND FOR 26 MONTHS ARE BETTER I TRIED TO RESOLVE THIS ISSUE ONLY TO HAVE TO DEAL WITH MUCH MORE SLIPPERY DECEPTIVE AND BIASED BEHAVIOR FROM NUMEROUS SERVICING CHANGES, RELOCATION OF MY FILE TO XXXX XXXX TO XXXX XXXX THEN NUMEROUS P.O.C 'S ( SEE ATTACHED THEN CAME THE ATTORNEYS AND LAF FIRMS. WHICH BY THE WAY RUSHMORE SEEMED VERY DECEPTIVE IN IT RESPONSE TO MY PREVIOUS CFP CASE # XXXX NO MENTION OF THE XX/XX/XXXX SALE DATE SEE ATTACHED DOCUMENTS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT  XXXX. For about 20 years, my wife has had an adjustable rate mortgage on this house, first with XXXX XXXX and, since the fall of XX/XX/2016, with PHH Mortgage Services ( XXXX XXXX XXXX, XXXX. XXXX, NJ  XXXX, tel : XXXX ). During all this time, the house and mortgage were under my wife 's former name : XXXX XXXX XXXX. Any discussions regarding the mortgage could only be undertaken by her, despite our having married in XXXX. 

XXXX and I entered into a 30-year fixed-term mortgage with XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, with mortgage and title in both of our names. We terminated my wife 's old mortgage ( loan # XXXX ) at that time. All the necessary fees and closing costs were paid out at that time. PHH Morgage Services paid XXXX XXXX {$6100.00} in property taxes on my wife 's behalf in XX/XX/XXXX. They paid us a balance of {$1400.00} out of the escrow account held in XXXX XXXX XXXX name early in XX/XX/XXXX..I have not yet cashed their check for {$1400.00}. 

The error occurred when we discovered from our tax accountant and from the XXXX XXXX Tax Collector   that a double payment of of an extra {$6100.00} was paid to XXXX XXXX in error. The second property tax payment is not due until XXXX of this year. My wife has made numerous phone calls to PHH so that we can receive this over-payment of {$6100.00}. The conversations have been extremely difficult ; the people at PHH do not want to acknowledge and quickly correct the error. Their attitude is ignorance, as if they are hearing about our problem for the first time. They have subjected us to endless delays, and we have no confidence in their willingness to refund us our money. any time soon. 

Thank you very much for interceding with PHH Mortgage Services on our behalf so that we can obtain prompt and full satisfaction in this matter. 

Most sincerely yours, XXXX and XXXX XXXX cell : XXXX e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was never late and they reported me 30 days late even after showing them the payment was sent in and on time. XXXX  XXXX did this in the past to me as well and always refused to not report after showing and proving proof

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-12-18
Company: EQUIFAX, INC.
State: FL
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've sent in several disputes asking for proof of late payments and Equifax failed to send me any documents instead they sent updated credit reports saying the information was verified. The last dispute XX/XX/2023 they told me PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. so I resubmitted the dispute even though I was specific. XX/XX/2023 I received a letter in the mail stating they would not look into the accounts I was disputing anymore. Per the FCRA I have a right to accuracy, fairness, and privacy and Equifax has continued to treat me unfair and display inaccurate information in my credit report that's causing me a great deal of financial grief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint relates to Complaint ID XXXX Ally Financial Inc. filed a false Federal Form 1099C in violation of Treas. Reg. 1.6050P-1 and N.Y. Personal Property Law 343 ( 2 ). Ally abandoned any right to collection several years ago because it lacked any basis in law, or fact, to prosecute any claim for collection given its failure to serve the proper notices as required by the state statute and given the lack of merit to any claim of damages to the vehicle. The fact that no receivable could have possibly existed as a matter of state law, would preclude Ally from waiving or forgiving any monetary amount. You can't cancel or forgive a debt that never existed. 

I am respectfully enclosing copies of my most recent letter to Ally dated XX/XX/2022 together with XXXX exhibits to substantiate my complaint.

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 2023-12-18
Company: EQUIFAX, INC.
State: MO
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 submitted a dispute by mail via certified mail on XX/XX/XXXX to XXXX and Equifax for verification of a student loan account that appears to have inaccurate information on my credit reports. I asked XXXX and Equifax to do a reasonable investigation in to this account to ensure maximum possible accuracy according to 15 USC 1681 E ( b ). I received my dispute results from both Equifax and XXXX and the information still is inaccurate. They both have failed to put who the account was transferred to which is XXXX. XXXX is reporting the account wrong because my payment is current and on time in XXXX of XXXX but then in XXXX of XXXX it shows that I am 90 days late on the account. There is no 60 days late or 30 days late so it shows that the account was current in XXXX then in XXXX its 90 days late that is impossible. This is wrong and inaccurate and XXXX fails to do a reasonable investigation which is a violation of my rights. Equifax is reporting the account wrong because they say my date of first delinquency was in XXXX of XXXX but I have proof that I made on time payments of XXXX of XXXX and Equifax did not provide any account history to show how much the account was delinquent in XXXX of XXXX it just starts from XXXX of XXXX ( 90 days late ) to XXXX of XXXX ( 120 days late ). There is no 30 day or 60 day late reporting and this is wrong. Equifax also is reporting a incorrect account number XXXX which is not even the correct account number for this student loan account I have evidence to prove that this account number is incorrect. This is a direct violation of my rights under 15USC 1681 E ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: CO
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  and Experian should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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