BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
I closed my safe deposit box on XX/XX/2023. Went into the branch, signed paperwork and gave them the two keys I had. They gave me a {$25.00} credit on my account for the keys. Annual renewal was XX/XX/2023. They gave me no paperwork and no receipt. I had to take off work to do this. 

On XX/XX/2023, Fifth Third charged my account for the safe deposit box for another year in the amount of {$86.00}. I called Fifth Third customer service, they could not help me, told me to call the branch. I called the Fifth Third branch, no answer and no voice mail to leave a message. This was XXXX XXXX today. 

I can not take off work again to go to the branch to ask about something that should have already been handled a month ago. Please ask them to refund the {$86.00} immediately. I am trying to close out all my accounts at Fifth Third, but they are making it impossible for me to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MA
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX  open date XX/XX/XXXX. 

XXXX  XXXX open date XX/XX/XXXX. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any 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 2022-10-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage loan was transferred to Bay View Loan Servicing in XX/XX/XXXX, though I never asked to be transferred. Nothing but a horrific nightmare with Bayview to say the least. 

After much correspondence and an in person visit, there are still issues with my loan. 
Payments have been severely misapplied, even with direction as to what a Principal ONLY payment is, not interest or escrow. 

Bayview Loan Servicing changed its name to Community Loan Servicing, LLC in XXXX. My mortgage payments have been paid on time, before the due date. I've also paid more than the monthly amount due for over three years.

Bayview Loan Servicing is recorded on my property deed as of XX/XX/XXXX, and the company has not recorded anything else since that time. 

My mortgage loan was transferred to XXXX XXXX  XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX is not recorded on my property deed as of XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX, I requested by phone to have my escrow account closed so that I can pay my property taxes and insurance myself. I was informed that my escrow account would be closed. On XX/XX/XXXX I received a letter that my PMI account could not be closed because I did not have one. I never requested information about PMI, only to have my escrow account closed. 

On XX/XX/XXXX I paid my XX/XX/XXXX Principal and Interest Only payment via online bill pay to Bayview Loan Servicing as I have done for over three years. Per a representative of XXXX XXXX  XXXX XXXX XXXX, they did not receive my XX/XX/XXXX payment. 

My XX/XX/XXXX Principal and Interest Only payment was made to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. 

My XX/XX/XXXX Principal and Interest Only Payment was made to XXXX XXXX  XXXX XXXX XXXX, by money order ( dated XXXX XXXX ). The payment was mailed to and received by XXXX XXXX. The money order was also cashed. 

My payments have been very specific as to what amount is to be applied to Principal and Interest ONLY and what dollar amount is to be applied to Taxes and Insurance ONLY. 

Currently, I'm being harassed by XXXX XXXX XXXX XXXX XXXX, with threatening correspondence that my mortgage is behind. Repeatedly, I have requested that my escrow account be closed, due to the fact that Bayview Loan Servicing aka Community Loan Servicing, LLC consistently misapplied my mortgage payments. 

Bayview Loan Servicing has caused nothing but undue stress from the beginning in XXXX, now I have an even worse company, that is not recorded on my deed, attempting to unnerve me to my core and fraudulently take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Me and my husband, had checking account and credit card with the Citibank at XXXX and XXXX XXXX in XXXX XXXX. 
They allowed to my husband to send maximum {$10.00} per month to XXXX. 
He had building a three stores building in XXXX, he explains to the Citibank, On month he asked to me to sent 2 times XXXX dollars from my own checking account, to the contractor in XXXX, and then the manager closed my husband accounts and mine too. 
After that many stores like home depot and Macys closed our accounts too. 
I went to the bank one day and ask for that and they told you need to call. When we try to call to the bank nothing happen. No body gave any explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: OH
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:
About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX  from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX XXXX, ( account ending inXXXX XXXX XXXX ) XXXX XXXX has the account listed as XXXX XXXX, but all payments are made to XXXX XXXX and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX XXXX has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted Equifax and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Please help me to get removed from wells Fargo i have always been paying my insurance. Please see my attachment.. some customers service agents don't understand why wells Fargo enforce escrow in my account. I called wells Fargo insurance department and they told me that only customers service department is to remove escrow from my mortgage account. Please help because I paying double insurance from escrow and my own insurance from XXXX fro what I know it is illegal what they are doing! I am XXXX  speaking if not I will try my best in English 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 2023-08-09
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the Equifax data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: FL
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 items 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Company: EQUIFAX, INC.
State: OK
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: AL
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, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, As a former Capital One employee ( husband was too ), who actually believed the company meant they wanted to Change Banking for Good I am extremely disheartened about my account and the treatment it has received. I received notice that my account was closed for activity on this account or another account. I dont have another account and this account the only activity I have had on it for quite some time is just payments. The following are actions I think are very unfair, very deceptive, abusive, and quite frankly a horrible customer experience : Charge me the {$95.00} Annual Member Fee on XX/XX/XXXX o Close my account two weeks later, but not refund the {$95.00} Close an account that has been open for XXXX years, no missed payments, with a generic closure reason detrimentally impacting my credit Charge XXXX XXXX Interest Rate that has essentially my whole payment each month going to interest o How come you dont offer Financial Relief Programs like other creditors who are known to be aggressive like XXXX who offers XXXX XXXX interest on your balance, with a restricted card until it is paid in full. 
Charge {$40.00} late fee on a late payment with no ability to get it waived. This only furthers the negative financial impact on me I understand I will probably get a form response that says our cardmember agreement allows it, you owe us the money, thanks. That will be very disheartening to me, and will really show Capital One doesnt care about its cardmembers and is just chasing profits. My request is as follows : Reopen my card, with a reduced interest rate, and can restrict it until the balance is paid in full If you wont reopen my card, change it to Closed by Customer because had I known you would close arbitrarily I would have done it prior because it impacts your credit. 
Reduce my interest rate to XXXX XXXX  or less so I can actually pay this card off, I am a mother of two kids so every dollar counts Remove the {$95.00} Annual Fee Remove the late fees charged to me in XXXX Thank you for your time and I look forward to hearing from you via the CFPB complaint process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: MA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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:
I have filed several complaints CERTIFIED LETTER and they still refuse to remove inquiries NOT AUTHORIZED/FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief