BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: VA
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:
Equifax keeps denying my dispute for a few accounts when it was opened using my identity. I even provided the police report and the e-mail from XXXX XXXX XXXX! It is so frustrating. 

I am submitting a dispute for the following accounts that have been once removed and someone back on my credit report again. These were from my identity theft. 

Please remove : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts listed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 XXXX XXXX XXXX  Account number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
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:
Select Portfolio Servicing, a mortgage servicing company, offered to put me on an unemployment plan required for a loan modification of which they offered to me to fix the rate and extend the terms. The told me as long a I paid the unemployment plan on-time the loan would be reported as on-time and paid as agreed. I accepted the offer and paid the lower monthly payments. However, I have found out that Select Portfolio Servicing is not authorized to lower my monthly mortgage payment or do a loan modifications. After the unemployment plan was up a loan modification was all of a sudden not available for the loan. A tactic used to try and force a homeowner into foreclosure. They did not do what they said and was offered in error. In addition to this, the communication they sent me verifying the payment offer and agreement was misleading and not straight forward about this when they were not permitted to offer me reduced payments on the original mortgage loan in the first place. Although I paid this offer/ agreement on-time and in good faith thinking this was actually allowed, they reported the payments late instead of one-time and paid as agreed. I demand the company, who I understand has thousands of reports against them a a federal class action lawsuit to immediately correct my credit report to reflect on-tim and paid as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions 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:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate information from my credit report

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 2023-08-20
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I OPENED A CREDIT CARD WITH REVVI, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XX/XX/2023 XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three of my credit reports show a Fifth Third Credit Card from 2006. This keeps reappearing. Sometimes it shows up twice on my credit reports. Ive called them and written them. They tell me they cant find my information. It should be deleted because they can not verify it, it is incorrect and is over seven years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please refer all my complaints about Keybank : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX   XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  I had a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/XXXX  I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX that i need to call the bank. 
Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

Today I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account. Any reasonable person can understand that if the customer is not having any online access how come they can address these kind of issues - overdraft fees etc... Moreover Laurel Road Keybank is strictly online bank - so i can not go to some bank branch and do this work. 

I want my {$20.00} overdraft fees to be returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2020, I was approved and received documents for a loan modification with Freedom Mortgage. These papers were signed and returned to Freedom Mortgage on XX/XX/2020. The loan is now current and the next payment is due on XX/XX/2020. 

On XX/XX/2020, I requested an escrow analysis for my account. The mortgage company had a property tax payment amount of {$6100.00}. The correct amount was {$1400.00}, a difference of {$4600.00}. This difference should have resulted in a refund due back to me in the amount of {$2800.00}. Freedom Mortgage provided me with a statement agreeing to this. In that statement, Freedom Mortgage indicates that according to Federal Law, any excess over {$50.00} must be refunded back to me. On At the time the money was applied to the principal of the loan, the loan was current. On XX/XX/2020, I requested the amount be refunded back to me in the form of a check. The representative put in a request to have that done. 

On or about XX/XX/2020, instead of refunding this balance back to me, they applied the balance to my loan in the form of a principal reduction payment. I did not agree to this. Freedom Mortgage needs to refund this money back to me.

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 2022-12-22
Company: EQUIFAX, INC.
State: MO
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 called Equifax after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Equifax on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Im accordance with the fair credit reporting act, XXXX account XXXX ( XXXXXXXX XXXX ) and XXXX ( XXXX ) has violated my right to privacy. 

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-07-11
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:
I have sent in a police report by mail and fax, I have called and talked to multiple reps over the phone, and I have filed multiple reports with CFPB and FTC about unauthorized inquiries on my credit reports. I pay for a monthly monitoring service and I have placed a fraud alert on my credit reports and froze them. I have informed them that I received an email from my son 's college stating I have been involved in a Data Breach, and now I have been told my all of my info is on the Dark web! However, they are refusing to delete the inquiries! I disputed several accounts that are reporting inaccurate information and they will not provide me with proof of all the information they used for the investiagtion ( per FCRA 611 ( a ) ( 7 ), but they keep stating they have been verified as accurate! 
Below are the items that are unauthorized and/or reporting erroneously : 1. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX Inquiry - XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 4. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 7. XXXX XXXX XXXX - Account # XXXX - Account in litigation 8. XXXX XXXX XXXX - Account # XXXX - Account in litigation 9. XXXX XXXX - Account # XXXX - Account in litigation 10. XXXX - Account # XXXX - Account in litigation 11. XXXX - Account # XXXX - Account in litigation 12. XXXX - Account # XXXX - Account in litigation 13. XXXX XXXX XXXX - Account # XXXX - Account in litigation 14. XXXX XXXX Bankruptcy Dismissed - XX/XX/XXXX - Inaccurate reporting and Bankruptcy Courts gave me proof they do not provide information or validate public records.

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 2023-08-19
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
During the merger of Suntrust and BB & T errors occurred that did not allow the processing of autopay. There were periods when there was no access to the account at all and it took many months to resolve the glitches. These glitches resulted in payments being posted for my creditors late on two separate and consecutive occassions. 

I would like an acknowledgement of the issues that occurred so that I can have documentation to submit with my dispute. These late payments have caused several credit issues upon applying for business loans and I do not have a way of proving the problems that occurred. The did a great job at damage control but keping a lid on the problems made it difficult to address the issues i encountered and dispute the payment issues with the credit bureau.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: IN
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:
Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different XXXX XXXX accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.

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 2020-04-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have been dealing with the incompetence of Shellpoint since XXXX. We received our Escrow Analysis and noticed that our payment was increasing from {$1600.00} per month to {$6200.00}. I know sounds absurd right? That's what we thought too. So apparently you decided to start adding PMI of {$3800.00} onto my loan. Now this was new to me because the loan was with XXXX for 6 years and I never paid PMI. In fact when the loan was originated we elected to pay a one time payment of, you guessed it, {$3800.00} to eliminate PMI. You took over my loan in XXXX and in XXXX decided it would be a good idea to charge the PMI and send it in to the insurance company. Funny thing is they returned the payment because nothing was owed. The first payment was on XX/XX/XXXX, it was returned on XX/XX/XXXX. There was another payment sent on XX/XX/XXXX and returned on XX/XX/XXXX. The really interesting thing about this is that the disbursements are not consistent or monthly. There have only been 2 since XXXX. If you look at my loan you will see all of this along with the notes from the however many people we have talked to that really couldn't do anything but put those notes in the system. At some point, I guess someone entered a request to have PMI removed from my loan. Today I received a letter that asked me to sign and return it to authorize you to order an appraisal of my property. This will cost me a minimum of {$400.00}, I thought that was interesting ... This is what prompted me to call yet again and be told to email loan servicing. Funny thing is my wife spoke to someone recently that said you all don't reply to emails. I assume it's true as I never received a response from my first email. The way I figure it is I am just wasting more of my time by writing this. 

I'm trying my best to document everything that I can. I have sent in the original docs from closing as well showing the PMI payment didn't exist. We have been able to continue making our normal payments of {$1600.00} by sitting on the phone for over an hour at a time and finally getting someone that could take a " Regular Payment with Adjustment '' over the phone. That was for XXXX and XXXX. It was obvious to them as well as everyone we have spoken to that there is a mistake on your part. The issue is no one has the ability to fix it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'VE NOTICED SINCE MARCH I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE MARCH ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE

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 2018-07-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us.

He had already insulted us. We have the right to refuse a re financing of our mortgage.

A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission. 
We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday.

Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense.

I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as 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 2022-03-08
Company: EQUIFAX, 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:
I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX associates XXXX XXXX XXXX Funding XXXX XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation