BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX has been retained to dispute an escrow analysis projection for mortgagor XXXX XXXX. The escrow analysis contains a number of errors. 

First, XXXX XXXX history of mortgage payments involves a {$1300.00} payment made for the last XXXX calendar months iterated on the escrow analysis. The Principal and Interest allocation is {$910.00} leaving {$400.00} to be deposited into the escrow account monthly. The escrow analysis reflects {$0.00} being deposited by the lender of payments received from XXXX XXXX. Thus creating a fictitious shortage of {$5800.00} and a wrongful demand of an extra $ XXXX. 

Second, the actual history of payments section reflects the second installment tax bill at {$3300.00} and that this payment was made by the lender in XXXX. In fact the bill was not published until recently and is due on XX/XX/XXXX and has been UNPAID by the lender. The balance due of the actual second installment is {$2100.00} and to date is still outstanding. The lender is holding sufficient funds to cover this liability given that XXXX XXXX has caused $ XXXX towards impounds. The actual property tax liability for XXXX was {$5600.00} and for XXXX {$5100.00}. An appeal was taken of the assessment and the resulting bill is reduced and stabilized for the next year absent the County granting further reduction to future appeals taken this year by XXXX. 

The insurance liability is {$1700.00} annually about $ XXXX Property Taxes {$5100.00} or $ XXXX Grand Total {$6900.00} or $ XXXX Monthly deposits should be about {$580.00} NOT $ XXXX. 

Attached are 1-The outstanding Second installment tax bill which reflects the reduction in the assessment amount XXXX XXXX XXXX Treasurers 20 year History of Payment Record. 

All three of these evidences support the fact that your analysis is flawed and that the Lender has not paid the taxes while holding the debtors funds. 

The account is not in the negative by {$5800.00}. Your escrow analysis is an erroneous account and we would like an accounting of the {$4800.00} which is not reflected on actual payments made by XXXX XXXX between XXXX XXXX and XX/XX/XXXX. The XXXX account is current. Unless this is rectified by Monday. We will file a claim with the CFPB. 


Very Truly Yours, 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 2021-05-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a dispute for a returned phone to T Mobile for {$71.00}, on XX/XX/XXXX, I filed two disputes for {$21.00} and {$27.00} ( XXXX XXXX and XXXX  ) for a trip that did not happen COVID 19 issue. I can not get any assistance from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I applied and received a short term loan from BigPictureLoans.com in the amount of {$1000.00}. 
On XX/XX/2018, I called XXXX to pay the loan off. Because it was within their so-called grace period, I was quoted {$1000.00} as the payoff. I was told the conversation was being recorded. They were to debit my bank checking account as of XX/XX/2018. 
I checked my account several times and the monies had not been debited. 
On XX/XX/2018, I called to inquire why it hadnt paid off yet. I was told that my recording of payoff on XX/XX/2018 was recorded with an incorrect date. They informed me that they tried to contact me of the error. My phone records and voice mails show no such effort to contact me. 
I said no matter, I called on XX/XX/XXXX and the payment should be honored. XXXX XXXX loans said no and my new payoff was with interest. I asked to speak to the customer reps. Supervisor. A lady named XXXX claimed she was a supervisor, though, I doubted she was. I insisted she send my complaint to her supervisors and she informed me that someone would call me for sure, the next day. No one called. 
My husband didnt trust them and told me to go online to make the payoff even though I would have to pay interest AND we would have a paper trail. 
On XXXX at XXXX I requested a payoff on their website. THE ONLY OPTION I WAS GIVEN WAS A PAYOFF DATE OF XX/XX/XXXX!!! So I requested payoff on XXXX, yet, no option online unless I paid more interest until they deemed ok to payoff on XX/XX/2018, a full several days later. Myhusband told me to pay because they will keep screwing us, so I did. 
These people prey on people. I am a XXXX XXXX who is struggling to keep clean. They count on that. Their practices are deceitful and leave very little recourse in dealing with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES 1. XXXX XXXX XXXX XXXX, GA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: MS
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:
On XXXX XXXX, I notified the credit bureaus that the information on file is not correct. I am identity theft victim and according to Section 605B of the Fair Credit Reporting Act, which requires you to remove and block information that is on my file that I state is a result of alleged identity theft within 4 days after the notice has been received. 15 USC 1681 Section 604A states the consumer reporting agency can not furnish an account on my file without my written consent. I did not give written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Westlake Portfolio Management purchased my loan from XXXX XXXX in XX/XX/XXXX. I think XXXX went out of business. From the first statement an additional {$3000.00} was added to my loan balance. It still appeared after my 72nd payment of the 72 I had contracted for. 

On XX/XX/XXXX, I sent a letter to Westlake asking for my title after the 72nd payment and why there was an additional {$3000.00} on my account in the form of a balloon payment. I never agreed to any balloon payments nor was there any in the original contract I signed with XXXX XXXX. 

Since XX/XX/XXXX I have called twice and sent an additional letter in mid XXXX asking for copies of the documents proving the legal existence of the additional {$3000.00}. 

As of today XX/XX/XXXX, I have received NOTHING from Westlake related to my lawful request. By not providing the requested documentation, Westlake is in violation of the law. 

I think Westlake is running a scam

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 2017-08-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I Have been trying get the credit bureau 's to correct my information to be accurate and they have not resolved this issue and keep telling me to address with company 's I know nothing about and the company is reporting address from other peoples residence and their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Credit Corp Solutions Inc.
State: NY
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:
This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: DISCOVER BANK
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and i filed a PUA claim on the pa.government website and my dashboard shows that i've been paid but i have not recieved my RELIACARD from USBANK at this address which has been around 1 yr now and i put a change of address i when i moved. 
but the main reason is i think is i'm not in USBANKS data base but i should be, my claims are being paid. 
i would like to know where my RELIACARD isso i can pay my bills, can you please look into this matter?

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 monetary relief
Consumer complaint received 2019-08-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX XXXX scheduled {$1500.00} in dental work and I agreed to pay to their credit service " COMENITY CAPITAL BANK on XX/XX/2019. I did have what they claimed a " deep cleaning '' done at this time. I have a complaint about this! hour of deep cleaning with the California Dental Board. On XX/XX/XXXX it was determined by their proxy dental office XXXX XXXX that the root canal and work was unneeded. This would have cut the total to about {$750.00} in dental work.Calls to this XXXX XXXX XXXX XXXX confirm this amount. 
The Comenity Bank despite a call and talking with a XXXX at the bank as well as a registered letter sent to them about this change on XX/XX/XXXX have yet to correct this billing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/, I sent a certified letter to Equifax detailing inaccuracies in my credit report. Equifax received this letter on XX/XX/2023. Within the letter, I provided a thorough account of the issues in my credit profile and attached a notarized letter for validation. Copies of my identification card and social security card were also enclosed for identity verification. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), such disputes should be addressed within 30 days. 

However, instead of addressing the issues, Equifax responded on XX/XX/, asking for further identity and address verification. Interpreting this as a delay tactic, I approached the CFPB and filed a complaint on XX/XX/. The case closed on XX/XX/. 

While I appreciate the CFPB 's efforts, I am dissatisfied with Equifax 's response. There are several inconsistencies : Inconsistent Communications : Despite Equifax 's claims of multiple investigations, I have only received two responses. The first was on XX/XX/, requesting more verification, and the second was on XX/XX/, noting they were still processing my initial dispute. 

Address Discrepancies : Equifax sent information to two addresses in the same month, raising concerns about their process 's reliability. 

Public Record Concerns : Unlike my XXXX and XXXX reports, Equifax 's report mentions public records, indicating potential inaccuracies. 

Having endured identity theft, I am acutely aware of the pivotal role of precise credit reporting. The ongoing presence of these inaccuracies jeopardizes my entitlements to vital services, including credit access and housing amenities. I sincerely hope Equifax acknowledges its obligations under the FCRA, respects consumer rights, and ensures a swift resolution. 

Equifax 's approach suggests they have not genuinely resolved my dispute nor complied with the FCRA 's guidelines. I urge the CFPB to reconsider my case or guide me on the next steps. I trust the CFPB to ensure fair practices and accuracy for consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
One of the major credit bureaus, Equifax, maintains a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store  manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-04-20
Company: OPTUM BANK, INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Health savings account with Optum financial. For the past 2 weeks, I have been unable to access my account ; it keeps asking me to reset my password which I do and it is in this perpetual cycle and never lets me in. I have contacted Optum and had a case created ( # XXXX ) and they subsequently closed it, without addressing the problem. I was on the phone today with technical assistance for 45 mintues XX/XX/23 and they are unable to resolve it. I have been sent a link to reset the password, only to get an error message from the company. Something is clearly broken and not working at this company. They can't resolve this matter and I don't know what else to do. 

I am unable to submit claims to access my own funds. 

I have no issues with accessing my financial information with any other bank and credit card company. 

Please help me get access to my own funds. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: PA
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:
Equifax EquifaxXXXX XXXX XXXX XXXX XXXX has yet to provide proof to the account being removed from my credit report as stated. 

Equifax caused issues with my credit card being XXXXXXXX XXXX XXXX XXXX in which Equifax cause harm to my card being cancel. 

Equifax did not have my permission nor consent nor did I ask them to contact XXXXXXXX XXXX XXXX  XXXX XXXX. 

Equifax is not above legal agreements between me and my credit card Holder. 

Equifax can not show me any proof legally or contract or digital signature of me giving consent to my issue that was filed. 

My issue was that my credit cards was all paid off nothing else was ask or file but to update correct balances. 

Equifax also has created address as phone numbers not my numbers on the credit file as an issue. 

Equifax needs to stick with the complaint filed and the issues and stop making up lies not pertains to the issues of updated credit file of all credit cards paid off. 

My complaint is with Equifax lagging to update balances correct and get into issues not requested. 

I have contacted an attorney to the matter that deals with credit bureaus on matters of illegally overstepping their legal boundaries to the said matter. 


Making false statements to my credit card holder of fraud in which I did not have no fraud nor suspicious charges was told to me by XXXXXXXX XXXX XXXX XXXXXXXX. 

card was cancel due to Equifax making false statements not by me There is clear fraud by Equifax in which has been reported to US attorney and DOJ

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX 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 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 2021-05-14
Company: EQUIFAX, 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 previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
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 these items were 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 need to be investigated and updated for 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

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 2023-11-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE ERROR REPORTING ON MY CREDIT REPORT THAT WAS NOT ERROR ON MY PART, IT WAS CAUSE BY MY BANK XXXX. THEY CLOSE OLD ACCOUNT I HAD AND STOP ACH PAYMENT AND TRANFER PAYMENTS. THE. IT HAD EFFECT ON ALL MY ACOUNTS. I HAVE WITH XXXX XXXX IT CAUSE TO ME TO BE LATE WITH MY PAYMENT MY XXXX  CREDIT CARD IN THE MONTH OF XX/XX/2023, I have ATTACHED COPY OF THE LETTER

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