BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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:
Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry-XXXX XXXX  Inquiry- XXXX XXXX Account - XXXX XXXX I tried contacting Equifax to have these fruadulent inquiries and account removed from my credit report because immediately and my mother live in a shelter got away from my abusive dad I told them he was fruadulently using my social security number for credit I even had a alert on my account XXXX found that out removed everything XXXX as well I have the provided documentation from them in the upload I need Equifax to removed them from my credit report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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:
When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying proof within the legally required amount of time. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX I was laid off. I applied and was accepted for unemployment benefits on XX/XX/XXXX. The unemployment office then ordered me a US bank ReliaCard even though I had already had my bank fax the unemployment office my checking account info for direct deposit. On XX/XX/XXXX my card should of been mailed but I did not receive it and no I didn't accidentally throw it away. I open all my mail. Ive received 4payments as of today XX/XX/2020. With a total of {$1800.00} on the US bank card. I need my money to pay my bills. Ive tried calling US bank ReliaCard everyday for that last two weeks and Im put on hold then hung up on.Ive exasperated all options to find my card that I believe was never mailed to me to begin with. I called XXXX XXXX XXXX XXXX XXXX XXXX today and will continue to call them along with the business bureau until I get the action that is needed. Thanks for your attention to this matter in advance. 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 2023-11-07
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:
I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account :XX/XX/XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MN
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:
I disputed the XXXX XXXX XXXX that I no longer are a signature card holder..its still on my credit report..I contacted XXXX and they had already sent the info to the credit Bureau and as of today it's still on my credit

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 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: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Refinanced my home on XXXX XX/XX/2020 at XXXX. Upon closing it was agreed by XXXX that I did not have to pay until XXXX XXXX. I have an written email from him stating so. At closing, on my paperworks, it was stated that my first payment was XXXX XX/XX/2020. Then on XXXX XXXX, XXXX XXXX did not remove my automatic payment schedule. Taking {$1100.00} from my accoutn. After look at my bank statement, I quickly claeed freedom numerous of times to ask for a reversal. They have given me a run around since XXXX XXXX after I gave them proof with Bank Statement showing the payment cleared. I called again on XX/XX/XXXX and representative asked for my routing and accoutn number to have the payment reversed but it its been days since then. If any monies are taken from account illegally, I will go to court with this. As of XXXX XXXX, I still havent seen my payment but the company decided to place the payment from my old closed accoutn to my new account. Then contineu to charge me proprety taxes after I had given them VA and Tax Collector paperwork showing me as XXXX XXXX XXXX and tax exempt. I sent this in XX/XX/2020. Finally instead of sending my escrow refund back to me, they decided to move MY money to another account. From my closed account where it sat suspended to my new account. After i informed them of the draft and sent paperworks ( bankstatement showing cleared ). I called again on XX/XX/XXXX and still no assistance.

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: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Deceased business owner XXXX XXXX XXXX, XXXX XXXX XXXX. Owner and co owner of nationstar mortgage company aka XXXX XXXX XXXX  today partner ship .has faled too give me a copy of the operational agreement attached too the company 's articles, XXXX  XXXX XXXX XXXX name change nationstar XXXX XXXX XXXX address on file .is XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX  XXXX XXXX XXXX ga XXXX. I am give nationstar a official notices, to give me a copy of all legal paper work too this company as the beneficiary 3rd party. Me mr XXXX XXXX, and XXXX XXXX, too what yall are doing with my money. Weather it a last will testament attached too this company from XXXX XXXX XXXX, or a operational agreement, or trust deed or testimony deed attached too the company articles of incorp, i need a copy of the hold file. For my records as the owner beneficiary heir. XXXX XXXX as well .all the address in this text and business name states XXXX XXXX as the old owner, need a copy of the paper work state new owner. And a copy of XXXX XXXX too what yall are doing with the money. I am a beneficiary too this businesses estate. Yall have fail too give me such paper .i serve yall this notice today. If yall do not reply. Yall will be liable for all cost this issue will accure. ... .from court and lawyer fee. I am already suffering from yall misconduct from not give me such information. Please stop the miscommunications with this from me .... XXXX XXXX XXXX XXXX ga, ... ..contact me at my address onfile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX .or call me XXXX .XXXX XXXX deceased ss number is XXXX XXXX XXXX .or XXXX XXXX XXXX .deceased businesses ownership. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX la.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. 

Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. 

For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. 

I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. 

No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. 

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. 

This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. 

For this I demand a full refund of {$610.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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 have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
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 non-monetary relief
Consumer complaint received 2020-04-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a request for a subordination agreement was placed to Shellpoint Mortgage. As of today, there has been no updates provided after numerous emails and phone calls made. This subordination agreement is VITAL to being able to refinance a mortgage and the rate lock is going to expire by XX/XX/XXXX. NUMEROUS phone calls and emails have been sent to the subordination department at Shellpoint and no one has been able to provide an update. I have attempted to contact XXXX XXXX who is the subordination agent and there has been no call backs or returned emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/15 I called Home Point Financial ( my mortgage servicing company ). I inquired about a deferral where my mortgage payments could be added to the back of the loan. The individuals ID I spoke with was XXXX. She said they could offer forbearance with a lump sum due at the end of the period. She said Home Point Financial is not allowed to offer deferrals as it " alters the terms of the loan '' and is against the law. I am an XXXX  XXXX and my hours have already been cut significantly and I anticipate my hours to be cut more or even reduced to XXXX due to the COVID19 impact on the client I work for. In addition, since I bill under an XXXX I can not collect unemployment. My loan is a VA loan and as I understand it, mortgage payment deferral should be an option for me. Please help. I am willing to provide whatever information you need to assist. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax over the phone about a unauthorized hard inquiry that was made by XXXX XXXX XXXX on my Equifax credit account in XXXX of 2019. I needed assistance in investigating this manner and told the agent that I would like to submit a dispute and the agent denied me my right to submit the request for investigation. 
He gave me the go around when I told him I did not have an account with XXXX XXXX XXXX and that I live in a totally different state then where the unauthorized inquiry came from and when I did some searching of that branch from that address they had been shut down for creating fake accounts. They attempted doing this with my information thus the hard inquiry occured. Given this information the agent still insisted on not helping me with this stressful situation. I asked him for a confirmation number for the dispute to investigate and was denied because he simply would not which is infringing on my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SunTrust mortgage also known as Truist is taking advantage of their mortgage holders during this time. Covid-19 has devastated us during this time. I have called their help line for weeks now with no answer. I have been on hold for a minimum of 4 hours each time. And sometimes it just hangs up on me after holding that long. I went online and the only help they will offer is 3 months forbearance. And you have to pay all 3 months back plus your 4th payment to come current. How is that help at all? People are going to lose their homes because they refuse to defer the 3 payments to the end of the loan. They need to be investigated.

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 2020-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I called XXXX XXXX to make a good faith payment and enroll in payment relief due to being affected by COVID-19. I made a {$1000.00} payment and successfully enrolled in the Relief program. My account was brought from past due to current status. The customer representative confirmed that I would not have negative reporting due to the pandemic and my current payment. Three days later on XX/XX/XXXX, delinquent payments were reported to credit bureaus despite successfully enrolling the payment relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022.

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 2023-08-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2023 I received a letter dated XX/XX/2023, informing me that my loan will be transfer on XX/XX/2023. I reached out to the bank where I pay my mortgage at, in person and then to my home mortgage company by phone, on the morning of XX/XX/2023. I was giving verbal information of steps to take in order to stop and avoid the transfer. On XX/XX/2023 at XXXX AM I paid my loan off, over the phone, according to the information giving to me by my mortgage company. On XX/XX/2023 I received a letter from my mortgage company letting me know the service of my mortgage has been transferred to another mortgage company and showing my final escrow review balance. I also received two letters from my new mortgage company. One letter was welcoming me to the company and the other letter was a mortgage statement for payment in the amount of {$640.00} due on XX/XX/2023. On the morning of XX/XX/2023, I reached out to my previous mortgage company twice, with two different representatives. I was told there was nothing they could do, and I need to reach out to my new mortgage company. The calls ended with them letting me know that they understood me, and they were sorry. On the same morning, I reached out to my new mortgage company twice, with dissatisfying results. I asked to speak with someone in the payoff department and was told they didn't have one. The calls ended and I was not connected to the feedback serve as I indicated at the beginning of the call.

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