BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Client was going through loss mitigation. XXXX sold the loan to SP Servicing in XX/XX/XXXX. We got approval to do a short sale. We priced the home exactly where the bank told us too. Within a short amount of time we received an offer - XX/XX/XXXX. It is now XX/XX/XXXX still no response. I called. approximately 3 weeks after offer submission. Was told documents were missing. Obtained documents, sent them in. Nothing. Called approximately two weeks after that. Was told documents were missing. I explained they were sent in the same day I last called. " Oh here they are - well we need a differenct correction/paper/etc. '' I even XXXX XXXX XXXX out for this bank. Told I couldn't do that and had to put it back on. That was wrong - it needed to be a different amount even though I asked specifically " What do you want me to put? '' Fine. Corrections done and all docs resubmitted. I have been dealing with them since XX/XX/XXXX approximately every two weeks. I talk to a different person each time. Some friendly and helpful some not - my client, the homeowner, also calls often. EVERY SINGLE TIME - always something needs changed or changed back. I called today after submitting yet another correction for the THIRD TIME that had already been done and submitted previously! I was told the short sale is now expired and we are no longer in short sale. My client is devastated. We have done EVERYTHING this bank has wanted. Every correction every extra piece of information and now this. Over six months of trying to get my elderly client underneath this home - only to get the runaround and no one that can actually help. I talked to CSR 's. I talked to supervisors. I have been nice. I have been hateful. No one seems to know whats going on or how to help. I have been in XXXX XXXX for over 15 years. I specialize in XXXX 's. I know how to read a contract. I know how to deal with banks. Never, ever have I had an experience like this. I want someone to help. I have a client needing to sell. I have a buyer that met bank requirements. Why can't we sell this property? Why is the bank doing this? My client can not afford a lawyer. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 corrected 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  is showing a past due balance actively open on a closed collections account which is fraudulent and needs to be removed from my credit report according to my rights within the FCRA. I have disputed this multiple times and nothing has ever changed. They are adding interest and compounding the total balance on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX 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 2023-09-22
Company: EQUIFAX, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was threatened and told that i had to give my banking info so they could take {$200.00} and then {$100.00} biweekly until the sum of {$1000.00} was paid. This debt was for a closed bank account I had in the past but I only owed this bank {$140.00}. They said my payments would be reported to the credit bureau but it never was.. infact another agency tried collecting for this account a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A billing error first occurred on my XXXX XXXX Credit Card statement in XXXX of XXXX I placed numerous calls to Wells Fargo explaining in detail the error and was assured they would investigate and correct the mistake. After SIX MONTHS, still NOTHING has happened. I continue to receive incorrect bills with growing interest charges and fees- my bill is now {$140.00}! 

The details : in XXXX, XXXX  the XXXX XXXX accidentally charged my XXXX card for a subscription in the amount of {$27.00}. Subsequently, they issued a credit in that amount but Wells Fargo continued to charge me the original amount PLUS the erroneous interest/penalty fees. I have not used the card at all or shopped at XXXX since this problem occurred and I will not until it is fixed. They failed to contact the XXXX and do the research promised, so I contacted the XXXX XXXX myself and asked for a written confirmation that there are NO CHARGES due. I also asked them to report their error to the credit reporting agencies who have received negative information that may affect my borrowing ability in the future. 

I am extremely frustrated and have now sent a letter to Wells Fargo with my XXXX receipts and am awaiting resolution.

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 2022-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX XXXX  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 


Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 


The merchant continued to charge my card, however, even after I had canceled the transaction with them. 


I disputed XXXX transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 


The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 


I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 


I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 


I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 


The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: DE
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:
On two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.

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 2023-06-14
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had a checking account opened in my name at the huntington national bank in XXXX ohio. i have never been to ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I reached out to Credit Corp Solutions on XX/XX/XXXX after receiving correspondence via mail asking them not to contact me in any way regarding a debt that want mine. I explained and sent a copy of what I sent to the original creditor regarding the debt as well as a letter from the creditor stating theyre removing it. They keep calling called today XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX also explained to them I sent the original creditor a copy of my lease and a utility bill showing that the account was opened at an address doesnt match the address I currently reside at and also was residing at at the time The about was opened which also resulted in it being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for payments through the XXXX XXXX. The program paid my past due payments for XXXX and XXXX of XXXX. They also agreed to pay 6 months of ongoing forward payments. They paid XX/XX/XXXX payment on XX/XX/XXXX, however it wasn't posted to the account until XX/XX/XXXX. Per XXXX, they sent XX/XX/XXXX payment on XX/XX/XXXX. It is now XXXX and it has yet to be applied. Called mortgage company and they stated they haven't received it, but again XXXX stated it was paid to US BANK. They stated the same for XXXX and US Bank eventually posted it to my account. Just trying to get them to post XXXX and now 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 2023-05-29
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2019-12-04
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CASHCALL LOAN ACCT NO XXXX IS WRONGFULLY APPEARING ON MY XXXX  CREDIT REPORT.DISPLAYING AN ACCOUNT IS CONSTRUED BY THE FAIR CREDIT REPORTING ACT AS " ATTEMPTING TO COLLECT A DEBT ''. 
THE DEBT IS UNENFORCEABLE AND VIOLATES THE BUSINESS AND PROFESSIONS CODE ACCORDING TO THE SUPREME COURT OF CALIFORNIA. 
A PERMANENT INJUNCTION WAS VIOLATED IN MY SPECIFIC CASE AS CASHCALL DESCRIBED THEIR WELCOME CALL PROCEDURE THAT THEY SAY TOOK PLACE ONE MONTH AFTER LOAN ORIGINATION IN THEIR CFPB RESPONSE.THE PERMANENT INJUNCTION CALLS FOR THE ELEMENTS OF THE WELCOME CALL TO OCCUR WITHIN 72 HOURS OF LOAN FUNDING.

I AM NO LONGER RESPONSIBLE FOR THIS LOAN AS A MATTER OF LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2023-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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