BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I put down more than $ XXXX on my home ; in just about 8 years i never missed a single mortgage payment and in XXXX upon the death of my 45 year-old husband, Ditech locked me out of my on-line payment platform. with constant phone calls to Ditech, I was repeatedly told that they did it for my own good so that i could qualify for a loan modification. 

I repeatedly told Ditech that i did not want nor need nor request a loan modification but they would not allow me to pay my mortgage. in XXXX they advised that unless i made a lump-sum payment of more than $ XXXX, they would foreclose. they would not ( and still have not ) provided me with any type of accounting and would not inform me as to how they arrived at the figure of more than $ XXXX. 

I hired an attorney in XXXX of XXXX to pay them the extorted amount - $ XXXX and Ditech then allowed me back into my on-line payment platform. they still would not provide me any accounting. I resumed making my mortgage payment for almost 2 years when Ditech, again and for no apparent reason, locked me out of my on-line payment platform. 

repeated calls to Ditech became an almost full time job ; wherein they continued to tell me that the lock-out was for my own good so that i could qualify for a loan modification that i did not want nor need nor request. 

in XXXX Ditech, a loan servicer with no lawful ability to foreclose in the commonwealth of MA, succeeded in railroading me into an unlawful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AMERICAN HONDA FINANCE CORP
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:
honda financial says they took off the 30 day late payment for XX/XX/XXXX now all of a sudden a 30 day late shows up for XX/XX/XXXX which was not there last week here in this dispute are the copys of last week credit report terrible how can this happen all of a sudden fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Huntington National Bank, XXXX XXXX XXXX, Attn : XXXX, XXXX, Ohio XXXX Subject : Request for 1099 Statement Dear Huntington National Bank, I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year XXXX. While reviewing my financial records, I discovered that there is an account with Huntington National Bank that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. 

Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. 

Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. 

I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. 

As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. 

If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. 

Thank you for your understanding and prompt attention to this matter. I value the services provided by Huntington National Bank and look forward to resolving this issue so that I can fulfill my tax obligations accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX to get tire paid XXXX with personal bank card. On XX/XX/XXXX XXXX my brakes acting improper go back to XXXX XXXX XXXX I need a brake booster repair job this is when they suggested the XXXX XXXX XXXX credit card I was approved for XXXX the work was done that totaled XXXX that was paid off. 
XX/XX/XXXX overheating did the test engine light with XXXX to find I need thermostat called XXXX XXXX XXXX who, '' said I needed a thermostat and the thermostat housing unit, radiator, valve cover gasket set, they did multiple jobs on my vehicle said needed to stop it from overheating the bill came up to XXXX On XX/XX/XXXX my vehicle overheating again Removed and replaced spark plugs removed and replaced spark plug wire set removed and replaced ignition wire coil charge for spark plugs, spark plug wires, ignition coil pack all totaling XXXX a new total of XXXX suv ran for another week before it overheated again and shut completely down.I called XXXX XXXX XXXX who had it towed back to XXXX XXXX XXXX they kept my suv for about 2 weeks.I called XXXX XXXX XXXX and was told to pick my suv up on XX/XX/XXXX. 
On XX/XX/XXXX When I turn on air entire suv vibrates. XXXX XXXX said did not pass the engine block test it needs a part that XXXX dont sell anymore I'm better off getting it from a junk yard and finding a street mechanic. 
I found a mobile mechanic who diagnosed the truck to find it was the head gasket.I paid XXXX dollars to mechanic to remove and replace also total of XXXX I paid XXXX to XXXX XXXX XXXX XXXX XXXX also XXXX for fuel injector for sensor oxygen XXXX for Head gasket and bolts kit,XXXX for ignition coil pack to replace the defective parts XXXX XXXX XXXX did spark plugs had to replace. re-paid for work XXXX XXXX XXXX did to my suv I have all the proof of payments receipts and sent everything into XXXX XXXX XXXX/CitiBank via fax with case number given to me from representative after I finally received a case after of fighting for someone to what been going though with XXXX XXXX XXXX  /Citibank.I was also told to pay minum so my credit would not be effective and promotion interest rate will not go in effect since there is a dispute of services the promotion date was over they added an extra XXXX to the bill for promotion and then another XXXX promotion expired then it went from the minimum of XXXX to XXXX.I brought my suv brand new never has any major problem until this now they are reporting derogatory marks on my perfect credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX  : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX  XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX of this year, Truist Bank changed the terms of my checking account, ( which I have had for at least 8 years ) without notifying me. 
My account had never had a minimum balance requirement before. Suddenly I had a {$25.00} charge on my account and was then told by my bank that my checking account now has a {$25000.00} minimum balance requirement to avoid fees. 
This change was never disclosed to me. I was then forced into a different checking account to avoid these fees. My new checking account does not have the same benefits as my old one. 

I believe the bank did this to force me out of my checking account which had good benefits.

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 2023-07-24
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2023-03-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Was not notified of investigation status or results

Complaint:
Equifax continues to violate my consumer rights. On XX/XX/2022 I sent a letter to Equifax requesting inaccurate personal information be deleted from the consumer file. I sent a copy of my driver 's license so the inaccuracies can be corrected. I also requested documentation of their method of verification for previously disputed accounts, not a reinvestigation, including XXXX ) The name of the original creditor, XXXX ) The creditors address and telephone number, XXXX ) The person 's name they verified the dispute with, XXXX ) The documentation used to verify the dispute. I have not received the requested information. I do not want inaccurate and unverified information furnished on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are a lot of accounts which are still reported when it is clearly inaccurate and violates the FCRA. The wrong balance, date and status should be a clear example.

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 2021-09-16
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: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From filings with fraudulent documents to todays date, XXXX XXXX  XXXX refused to respond to verifiable claims of fraud. 

XXXX and XXXX attorneys suppressed evidence of fraud and evaded discovery or the disclosure of hundreds of pages of pleadings, which were entered for defense of the sole owner XXXX XXXX, victim of identity theft, fraud and targeted aggravated identity theft property financial crimes repeatedly committed by the borrower despite injunctions and other evidence of reported racketeering, plus XXXX fraud, using property as fraudulent asset borrower, dependent on opioids was ordered from any possession.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: MN
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:
Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 All the above inquiries is unauthorized and should be disputed from my XXXX XXXX and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.

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 2023-05-31
Company: LEXISNEXIS
State: MS
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 am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom it may Concern : XXXX XXXX XXXX  XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX   for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX  or Receivables Performance sold that account to XXXX XXXX XXXX  XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. XXXX   XXXX has a copy on file of my police report and other documents I mailed to them referring to this account as XXXX XXXX {$710.00} with was deleted. It's clearly that these accounts are one in the same so why was it reposted under a new collection agency name. This is SHAMEFULL and incompetent on Transunion 's part and needs to be fix ASAP!! Thanks in Advance.

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