BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Around XX/XX/2021, XXXX XXXX  and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and XXXX XXXX  blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, XXXX XXXX  and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, XXXX XXXX  and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, XXXX and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, XXXX was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses credit score discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

XXXX et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than XXXX points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I first noticed this approximately late XXXX, i would get locked out of my online account and have to call the bank and have them reset my access to the account to make a deposit from my savings account. Then by early to mid XXXX it had gotten to the point i would have to call bank fraud department to have my access restored. this is where it got really inconvenient as bank fraud was only open XXXX to XXXX and was much harder to get through to, for me. it went from having to call once a month to having to call just to have 10 min of access to the account. this continued to progress even as i complained, to the point when i called and had my access restored i would have 10 min. until it would time me out, then i would have to call bank fraud again. this was some kind of new security measure is what i was told yet no one could tell me why i was getting flagged every time i logged in after telling me they fixed it several times, i could tell the girls at my local branch were tired of me calling every day to get access to my account as covid took hold it became much harder to run to XXXX XXXX  then run to fifth third to deposit money. XXXX is where my mmda account is and where i transferred money into the fifth third account from. once the lockdown took place this became way more complicated than just running to each bank to make a deposit. for the last few months at fifth third the girl at my branch set up a e mail if my balance went below XXXX dollars, and i would hurry to walk a deposit over. they would wave the overdraft fees and try some new way to fix the problem. then it seemed to me money was missing from the account, having so much activity and all the chaos with trying to view the activity by this time i only had the 10 min time before it logged me out and i would have to go through the hole process to get another 10 min to view the account. I found out that money was missing and they had charged me for overdraft fees, having only the 10 min i was unable to go through the account fully to find the missing money. i was also getting ready to go in for XXXX  XXXX at this time, i opened an account at a different bank. i sent fifth third several letters asking for help but with covid there was little in person help and over the phone help had gotten way harder. so i sent letters and figured they would get to me when things calmed down. then a few weeks ago i received a notice from a collection agency .that was the first letter i had gotten at all from any response from fifth third. i had no idea they were saying i owed them money this seemed ridiculous giving the circumstances. i had sent so many letters and gotten no response, then this so i called to resolve it and got no where. i should have many of the phone calls recorded i am going to begin to look for them. i would like my credit restored with an apology written and i would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
After making several disputes with XXXX XXXX and TransUnion, I decided to call the data furnisher Nebraska Department of Health and Human Service Account # XXXX. I found several inaccurate reporting of derogatory and incomplete information on payment history, no first delinquency date or inaccurate on record Until date, and inaccurate payment history XX/XX/XXXX {$900.00}, XX/XX/XXXX {$8300.00}. Also, I have made several phone calls to them requesting the first delinquency date, so I know when this public record should stop being reported on my consumer reports. When will this account be removed from my consumer report? I was told that the first delinquency date was XX/XX/XXXX and asked about deleting the account since It was past seven years. The representative at Nebraska Department of Health and Human told me only the consumer reporting agencies can delete the account. XXXX stated only the data furnisher can delete this account but shows no first delinquency date. TransUnion showed a re-aged account XX/XX/XXXX on my consumer report in XXXX and XXXX consumer report XX/XX/XXXX and no date currently reporting. XXXX doesn't show any first delinquency date and removal date. No one has as of yet told me when does the child support account will be deleted from my consumer report. I have found several violations on my consumer report. I don't know what my first delinquency date is and I have the right to know the first delinquency date so I can know when this child support account will stop reporting on my consumer report. It is inaccurate information because it has changed over the 22 years it has been on my account. I demand immediately deletion of this account from Nebraska Department of Health and Human for violating section 605 ( a ) ( 6 ) prohibits the reporting of any adverse item of information that antedates the report by more than seven years. It's the furnisher responsibility to provide accurate information to the consumer reporting agencies, therefore I demand a immediately deletion of this account. Nebraska Department of Health and Human Services has violated 15 U.S.C 1681s-1 and 1681s-2 ( b ). You are also in violations of 15 USC 1692j ( a ). Be advised if you fail to comply with this request. I may turn the matter over to an attorney.

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 2023-09-07
Company: Oklahoma Student Loan Authority
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ok so a year ago I consolidated all my loans and they were transfered to XXXX. While making the transfer all my servicers were brought over except for Oklahoma student loan authority ( OSLA ). I am getting letters saying my loans didn't transfer from OSLA and I can not apply for a income driven plan due to no activity on the account. I have been renewing my IDR plan every year like I was supposed to so I didn't understand this. Also it shows these loans are at XXXX as well. I am very confused because I wasn't explained that this was going on I thought my loans were with XXXX and I had income driven plan already in place. I really need this IDR plan to stand as I have a family of 4 and can not pay a XXXX payment., I make XXXX gross a month. I pay all my obligations on time just for the basic rent, utilities, food, internet, phone. I make just enough to pay these obligations. Also OSLA has been reporting me to credit bureau since XXXX before the payment pause was lifted. There is something funny going on that has made it where half my loans are set up on IDR and other half can only be set up on a standard repayment plan. I really need OSLA to be looked into on fraud on my account and I should have all my loans set up on IDR plan and adjusted to my income so I don't become homeless paying down my student loans. 
Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 2023-07-30
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company continues to misappropriate my account to point of not noting the account timely to garner additional fees. 

The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XXXX XXXX, 2023 and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. They payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. No payment has been late nor missed so the information they have provided is not accurate. This is indicative of the issues with this company. They payment is sent and they do not pick it up or post it timely which results in what they alleged are late payments. 

Secondly, the XXXX XXXX monies are supposed to provide to all homeowners and in this case, XXXX has XXXX multiple errors since obtaining my account from XXXX, which is now a defunct company. 


Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXXTransUnion refuses to update me from being listed as XXXX, XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXXTransunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}

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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We opened a merchant account with Bank Of America back in XXXX, XXXX, And after opening the account we noticed that BOA is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since BOA was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from BOA claiming that I owe them this amount. I requested BOA and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since BOA didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from BOA and XXXX. 

XXXX Thank you

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 2021-07-20
Company: Mercedes Benz Financial Services
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My brother passed away XX/XX/. I am the executor and sole heir. He had his house mortgaged with Select Portfolio Servicing. I contacted them for payoff on the loan. I wired the money from my bank. They sent a statement which I attached showing XXXX balance on the loan and {$620.00} in escrow. They released the Lien against the house. I contacted them wanting them to send the money in escrow for me to pay properly taxes. They claimed there was no money. Then they said I had to file a dispute, which went on for 60 days. Now they are saying the last payment they drafted from his account was denied for insufficient funds, so that was not included in the payoff amount. I paid what they said to pay and I think they owe me this money to pay for his property taxes, thats what it was for.

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