BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
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 addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " XXXX '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!! NOTHING IS BEING DONE I'M REPORTING THIS TO THE ATTORNEY GENERAL AS WELL MY LAWYER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Dovenmuehle Mortgage, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to set up monthly auto pay for my mortgage through their website. There website was very confusing and I set up what I thought was 4 payments to pay XXXX, XXXX, XXXX and XX/XX/2020. My bank contacted me in XX/XX/2020 and said 4 Payments were trying to come out of my bank account on XX/XX/2020. I didn't have enough money in my account to cover 4 payments at once. I contacted Dovenmuehle mortgage and explained that I must have made a mistake when I set up the 4 payments. I spent over 1 hour on the phone with them and they told me the only solution was for them to return all 4 payments to my bank account. They instructed me to make 2 payments in XX/XX/2020. I was leary about having no payment for XX/XX/2020 ( because they returned it to me XXXX but they assured me that I didn't need to make a payment until XX/XX/2020. 
In XX/XX/2020 I received a credit report alert stating that I had missed my XX/XX/2020 mortgage payment. I immediately called Dovenmuehle Mortgage and explained that they had reported a missed payment and what had happened in XX/XX/2020 and the lady told me she would take care of it but that it may take awhile due to staff shortages due to XXXX XXXX. 
I have called them several times and I get disconnected after spending a lot of time on the phone. I have emailed them and they have not resolved this issue. Today I was on the phone with XXXX with Dovenmuehle mortgage and she was arguing with me before she even knew what my issue was. After being on the phone with her for a long time I once again was disconnected. I called back and was placed on hold for so long I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: GA
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to work with Truist Mortgage for the past 3 years to get current and apply for a modification or repayment plan. I believe they are treating me unfairly and they do not want to assist me with keeping my home and I have been going back-and-forth with him about the tax liens. They said the title has to be clear but the tax liens are from a payroll business debt not personally but that shouldnt matter but i wanted to apply for a repayment plan and/or modification. Im not trying to refinance the home and they keep saying that the title needs to be clear but looking at research and other mortgage companies they dont really worry about that because they already first on the title. But theyre already first on the title, but I understand Tax Lien supersede any debt on the property, but I also offered and turned in the paperwork for a subordination agreement for the tax liens and they would not proceed with any assistance. when it comes to that issue when trying to refinance or modification, I dont think theyre being that reasonable with me and I think they keep telling me no because they just do not want to provide me with mortgage assistance. And, they want to sell my property and get the money because there is equity in the property. I need to get some assistance for the mortgage an keep my home.

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 2021-01-13
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have had fedloans since XXXX I am now with XXXX since XX/XX/XXXX fedloans has removed some of there loans off my credit I have been fighting with them to remove the rest off of my credit and they are not removing it I did send in proof through XXXX and they keep denying it this is be owing really ridiculous and frustrating because XXXX will be putting my loans on my credit soon and I do not want two different student loans on my account because all of my loans are now with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA continues to report inaccurate information on my credit report. the past 10+ years my payment history as been 100 % paid on time. USAA decided to report a missed payment when in fact I did pay. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points! with companies refusing to loan to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: AR
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 am submitting this complaint myself and there is no third party involved. Despite of the previous written requests, the following fraudulent items are still remains on my credit report in violation of Federal Law. The Three Credit Bureaus failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law. 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, which 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 accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ;XX/XX/XXXXXX/XX/2023XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXX/XX/XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XX/XX/XXXXXXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XX/XX/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 2018-04-13
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got the loan in XX/XX/XXXX, I really needed the money since I had just bought a home and was short on funds. Someone called me from the company after I did it online and went through their agreement over the phone and at a very fast pace. Being that I needed the money I agreed and did everything electronically, I have been paying them XXXX every two weeks as of XX/XX/XXXXand it is still going on. I finally called them in XXXX and told them that I had already paid them {$8700.00} on a {$2600.00} loan and that I could no longer keep paying them because I can't afford to. XXXX at XXXX  told me the balance was still@XXXX and there was nothing they could do. Is this considered predatory lending? I have paid them 3X plus the amount I borrowed. Can you please assist and let me know if there's something I can do about this, I can't keep paying them as I can't afford to my situation has changed and I'm struggling to keep up with my expenses. Please contact me with any suggestions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
Please see below regarding XXXX XXXX acct # XXXX : This company was involved in a class action settlement and they were in violation of the UCC code. I have submitted documentation proving that my account is involved in the class action settlement and Experian refuses to delete the tradeline despite clear evidence that deletion of the tradeline is one of the clear agreements of this class action settlement. I will reattach the documents showing that my account is part of the class action settlement once again and I would like for the documents to actually be reviewed this time. I will pursue legal action if this account remains on my credit report after this dispute.

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 2022-04-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was advertised an offer to open a Citi gold account with an incentive to get {$1500.00} upon new account being created and > {$200000.00} in funds added. Per this understanding, I created an account at a physical branch with a manager. The account was then XXXX flagged for fraud when I attempted to transfer money as per the original arrangement! No customer service agent is able to address this. 
I have now transferred over $ XXXX in funds that Citibank has frozen and refuses to wire back or answer calls relating to this account. I despeararely need the money back at the very least.

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 2022-04-28
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 reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act conversion account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions

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 2021-12-01
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$730.00} XXXX XXXXXXXX XXXXXXXX {$840.00} XXXX FXXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXXI- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, 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 2022-02-08
Company: Eastern Account Systems of Connecticut, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 non-monetary relief
Consumer complaint received 2021-01-13
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are 3 people on the loan ( XXXX, XXXX, and XXXX  XXXX. My sister XXXX XXXX XXXX started to make payments for us in XX/XX/XXXX due to financial difficulties. 

We applied for the forbearance program back in XX/XX/XXXX due to COVID. XXXX  lived in a different state and when she came home and noticed that the payments were not being applied as requested, we requested the forbearance program again about XX/XX/XXXX. We received confirmation that forbearance program began XX/XX/XXXX. 

We paid {$13000.00} during fiscal year XXXX and the amount due including principal and interest for the fiscal year is {$14000.00} - note that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was not due, due to the forbearance which amounts to {$3700.00}. 

We filed a complaint previously w/the CFPB previously and M & T noted that XXXX is not an authorized 3rd party when she is a loan holder and CFPB closed the case. We called M & T mortgage and they said the person reviewing the file had to go to a second screen. It is very frustrating. 

To give credit, after the complaint was filed M & T did apply some of the payments towards the principal but now have a {$74000.00} payment unpaid for XXXX. I'm not sure how this was done but now our credit score is negatively impacted even though the forbearance program is not supposed to have any negative impact on your credit. 

I have been on the call w/M & T mortgage for literally XXXX to discuss this just today alone which ended up either in a disconnect or a hang up. CFPB was not that much helpful when I called after my frustration that I am in fact on the loan and their response that I am not an authorized 3rd party is XXXX - excuse my language.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: OH
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 these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : 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 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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of myXX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MA 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 2017-03-10
Company: Vital Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls every day, once every hour, to my workplace without leaving messages. I had to do reverse lookup.   This harassment could get me fired.   My debts are being handled by a debt resolution service and I provided that contact information to all debtors.

Company response to consumer: Closed with explanation