BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank debit card was compromised and unknown persons stole {$9900.00} from my personal checking account AFTER accessing another account and transferring {$10000.00}. 
They stole the amount in 16 different withdrawals using an XXXX debit card. 

It's beyond my understanding how they could have done this and currently working with Wells Fargo Bank.

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 2022-11-30
Company: EQUIFAX, INC.
State: TX
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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/2020 at XXXX XXXX I deposited around {$1200.00} into a Bank of America ATM ID # XXXX. The ATM glitched out and only credited me for {$300.00}, saying the remainder amount I would need to call and open a claim with the bank. I opened a claim for {$1000.00} and the person on the phone told me even though its over the remaining amount I originally thought, that theyd be able to find and allocate the money for me no problem. The credited my account for {$1000.00} and within a few weeks I received a letter stating the claim will be closed and the {$1000.00} will be debited from my account because they were not able to locate that amount of money. So I took all of my money out of that checking account and closed my account and said goodbye to them. They then re opened my account without my permission and took out the {$1000.00} leaving me with a negative bank balance. I spent much time calling claims over and over, they now told me they found a lump some of money in that ATM, but it was lower than that amount so therefore they cant tell me how much they found and that is why the claim was closed. I was told to re open the case for less than the amount I originally put. They had me hand write a letter to fax in, was given the wrong fax number, then had to go through the process AGAIN of writing a hand written letter to then the correct fax #. I was told they were not accepting my claim because supposedly the amount of money I put was STILL not completely accurate, therefore they couldnt tell me how much they found and therefore they would not accept my claim. I was told many times that they found overcharge in that ATM, but were not willing to help me as a valued customer of over 10 years. Now Im receiving notice that my negative account will be closed by XX/XX/XXXX and reported to 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 monetary relief
Consumer complaint received 2020-09-23
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:
as previously notified I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-04-09
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband XXXX XXXX and my self XXXX XXXX were contacted by our mortgage company Freedom Mortgage XXXX XXXX XXXX NMLS ID XXXX about refinancing our current loan at a new lower interest rate at NO COST TO US.  We talked with her several times and reiterated that this would be at no cost to us. We ok for the process to go forth and on Friday XXXX XXXX we were in the midst of signing papers and I said the figures do not look correct. Our closing agent tried to call Freedom Mortgage and could not get ahold of anyone. We were told there was a window of time we could stop all proceedings so we completed the signing. On Monday my husband XXXX got ahold of XXXX and she forwarded the closing statement saying all was in order, although I was not at home that week to try and discuss with her. The statement of our Balance of old loan paid in full on XX/XX/XXXX was {$350000.00} loan # ... XXXX, and new loan amount was {$360000.00} an increase of {$3800.00}. We also have an auto payment in the amount of {$1200.00} withdrawn on XX/XX/XXXX after loan docs were prepared on XX/XX/XXXX and were told this payment would be coming back to us which it never has been. When I just checked my principle balance today XX/XX/XXXX they have adjusted our principle balance on new loan to {$360000.00}!!!! They know what they are doing is wrong and now trying to cover this up!!! We have tried for weeks to contact someone at the bank with no avail and I have records of my emails sent to them through their Message Center on the website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX and have received no contact at all from them. I and labeled my emails THIS IS FRAUD to try and get them to contact us but nothing. We have also tried numerous times to contact them by phone and left messages but no return contact. Please help us get this corrected with them as need help. 
Thank you very much, XXXX and 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 2020-04-09
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer made a huge error on my annual mortgage escrow analysis. After complaining to the CFPB they finally fixed it. I delayed making may XX/XX/XXXX payment until XX/XX/XXXX, waiting for them to fix the error and correct my payment amount due. 

They charged me a {$5.00} processing fee for making the payment, which was not disclosed to me when I initiated the payment. 

This is rediculous. They mess up my mortgage escrow, had to refund me over {$1300.00} in excess escrow balances, adjusted my monthly payment down by about {$200.00}, then charge me {$5.00} for paying on the 6th of the month? 

This is the third time I've filed a complaint against this servicer. Filing complaints is the only way to get them to fix their errors. They should be fined.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX has failed to remove the following account from my credit report after XXXX and Transunion has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number 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 2020-01-29
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Statement provided by Mr Cooper on XX/XX/2020 show amount due of XXXX, by XX/XX/2020. 

After logging into account on Mr Cooper website on XX/XX/2020 it shows amount due XXXX by XX/XX/2020, without any breakdown or justification for increase. 

I called Mr Cooper on XX/XX/2020 to get clarification and explanation for increased amount due. I was told that I had " received bad information '' on the statement. However, they could not provide any evidence to support the increase, and continued to try to push me to agree to have my escrow balance recalculated that day. I repeatedly declined, and continued to request justification for the increase. They were unable to provide any evidence for the increase, and are simply forwarding on to another department, which will not review the concern until after the payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2020-04-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have increased expenses from the COVID pandemic and wanted to apply for a temporary mortgage deferment as allowed after passage of the CARES Act. Quicken Loans is my servicer but XXXX XXXX owns my mortgage. Quicken 's website asked a series of questions then told me I am approved for a 3 month forbearance, however I would need to make a huge lump sum payment after the 3 months or go into foreclosure. Here is the language of their proposed mortgage forbearance : " At the end of your plan, youll have the option to extend your forbearance. This may be right for you if you need more time before resuming payments. 

If you extend your forbearance, youll still need to bring your loan current when your plan ends. That means making all the payments that were paused during forbearance, plus any payments that were past-due before your plan began, if applicable. An extended forbearance means a larger amount youll need to bring current at the end of the plan. '' I believe this is not in line with the CARES Act and do not want to agree to a lump sum payment when there are other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Consumer Collection Management. Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just revived a notice about a debt and I asked if I could question the debt and was told no you have to pay it. I dont believe this is a real debt and they just keep saying its from XXXX apartments but I have received nothing from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During a 4 or 5 day period XX/XX/XXXX my XXXX account was hacked by someone in XXXX, NY for purchases totaling nearly {$4000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been in communication with both XXXX and Citibank since this time. I've also reported to police departments and others. The hacker added a name and XXXX, NY address, I never authorized anyone to use my account and have never given the information to anyone and I am XXXX XXXX XXXX and live in XXXX and have shopped with XXXX for many years and been a Citibank client for more than 50 years. It's a year since the unauthorized charges were made to my XXXX. XXXX XXXX XXXX XXXX wrote XX/XX/XXXX ( in part ) " We have requested your card issuer to close the dispute in your favor. Therefore, we no longer need to charge your account for this order. My Citibank account has not been credited except for " Security Credits '' XX/XX/XXXX and XX/XX/XXXX. A XXXX XXXX is a charge that may be subsequently demanded from me. I've been to my local Citibank several times. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX sent an UPDATE ( in part ) : " We're looking into the dispute. '' At age XXXX, I'll be dead before this is properly credited. I need help. Please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: Nelnet, Inc.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It is known that there is a PANDEMIC and that the US Government passed at least two laws regarding the pandemic and offering assistance due to what is happening. Besides this the student loan company proceeded debiting my account that did not hace funds available and was charged a fee due to that. 

Also I timely requested forbearance of this student loan and all though the forbearance was filed via email AND uploaded to the companies website, they continued to debit my account against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Account information incorrect

Complaint:
It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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