BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Regions Bank Mortgage Loan Number XXXX XXXX XXXX XXXX Senior Executive Vice President Head of XXXX XXXX XXXXXXXX ( XXXX ) XXXX Regions Financial Corporation XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Tomorrow is XXXX and I am crying. 

I need your agency to dialogue with Regions Mortgage Department as I had agreed to a lengthened mortgage to resume at the same amount but extended in time to cover the pause in payment. It was the only way I could agree to forbearance. 

Forbearance on my mortgage started in XX/XX/XXXX with an interruption of XXXX payments of XXXX in XXXX XXXX. I resumed forebearance in XXXX of XXXX again with my written and verbal communication To Regions of repayment restart at same monthly amount and an extension of when mortgage payment would end. 

Forbearanace ended... 

A snail mail received XX/XX/XXXX stated I owed over {$7000.00} or could declare bankruptcy and go into foreclosure. 


In XXXX I applied over the phone for a forbearance pause to my mortgage with Regions bank. I was clear that the only way I could do this is if, at the end of the pause, I would resume my regular payments and the mortgage would be extended to reflect a longer time to pay with the same monthly amount and rate. 

I continued to believe this was okay when on the phone and by email I continually stated this, verbally and by email, during this period. 

I even interrupted the allotted time with XXXX payments in XXXX and XXXX XXXX XXXX of {$950.00} which was the monthly mortgage payment they agreed to. This acceptance of the monthly amount allowed me to think they understood my understanding and that they agreed to what I could do when the forbearance time was up. 

It was only at the end of the forbearance period XXXX days ago, near XXXX, I got a snail mail stating I owed over {$7000.00} with a caveat I could declare bankruptcy and go into foreclosure. 

I am a XXXX XXXX XXXX XXXX who has worked through many pandemics and currently I am high risk for COVID. I would never have agreed to this program ( clearly stated to Regions ) only to be met with a high payment and the option of bankruptcy and foreclosure/homelessness As a XXXX and prior frontline worker during COVID I am high risk and very clearly stated multiple times both verbally and by emails I could only start forbearance if at the end I could go back to the original monthly payments with an extended mortgage end date to cover deferred mortgage payments. 

I almost ended up in the local ER when I got the surprise snail mail from Regions stating the above. 

Happy XXXX and XXXX but not to me, a senior citizen, 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 2020-05-21
Company: EQUIFAX, INC.
State: TX
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:
ads/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been in pure XXXX due to the fact XXXX XXXXXXXX XXXX  has had the wrong mortgage account for over 21 years on my credit report and also they reported the incorrect mortgage account included in my XXXX bankruptcy i have all the documents to prove it is false and inaccurate and XXXX is very lucky i can't afford an attorney to sue them. 
So i was put in XXXX because of XXXX negligence and arrogance they ruined my credit and life and put me in pure XXXX because they were being beyond predatory towards me and i hope the CFPB can help me get my life back please punish XXXX and get me some financial compensation because i have nothing, i have never even used my credit ever in my life also a bankruptcy attorney at the XXXX his name is XXXX XXXX and he knows XXXX was and is wrong as XXXX left shoes. I was not allowed in XXXX when XXXX was dragging me to court to even contest or object to anything and the banks should not be allowed to hide behind the courts and ruin someones life just because they filed a judgement i have been through pure XXXX due to XXXX false reporting and they got an extra {$14000.00} i could've used that to buy a new house.

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 2023-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1682 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

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 2023-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans managed by Nelnet was in forbearance due to COVID 19 and also had a pending Borrower Defense Application which was approved by the US dept. of Education on XX/XX/ XXXX 

My student loan balance showed approximately {$140000.00} a couple of months ago. Nelnet has not been transparent and added interest of about $ XXXX {$30000.00} while I was still in forbearance. 

It looks like only about {$67000.00} was recently discharged as a result. 

I believe the over {$100000.00} balance left on my student loans should be less than that and Nelnet is trying to take advantage of me. 

I need a breakdown of the loans taken for attending XXXXXXXX XXXX and the interest on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Act XXXX  account # XXXX has violated my rights 15 USC 1681 section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
American credit acceptance violated my consumer rights and basically stole my property from my driveway the week of XX/XX/XXXX. I purchased a XXXX XXXX XXXX XXXX from XXXX put {$21000.00} down and made over 15 payments of {$980.00} in the time that I had the car in my possession. That being said they sent a third party company to my home to repossess the car and that violates my rights and also they committed identity fraud by giving my personal information to a towing company that was not involved in the contract between myself XXXX XXXX XXXX XXXX XXXX. they violated my consumer rights codes 15 us code 6802 15 us code 1692F 15 us code 1692k

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: MT
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 unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/22 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Called customer service to have checking account closed and was told that I would need to withdraw the money I have in the account first. I tried to withdraw the balance via bank transfer however the required phone verification keeps erroring out with an " application error ''. I've requested the remaining balance to be sent as a check to my address on file which is usually the standard process when closing accounts with other banks but was told that they are not able to do so. The only option I was given was to go to a branch to have them assist which I decline because it's over a hour drive round trip. My bank account was opened online and I should not need to go to a branch to get it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX XXXX, Equifax.) from Nelnet servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to dropXX/XX/XXXXpoints and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: VA
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'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 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 explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
See document attached

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 2023-05-09
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: SC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: RELIANCE FIRST CAPITAL LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was assured that my refinance loan was approved from the initial application. I was quoted one % rate and amount available and later that changed. The initial amount of the loan increased and the % rate increased. Everytime I thought I had submitted the proper paperwork to get the loan to the closing table, another document was requested. Finally after three months, I was informed that I had to have {$4500.00} in reserve for them to proceed with closing. In addition, I was told that an appraisal would cost from {$200.00} to {$450.00} and would not accept the appraisal that I had received less than 3 months prior. Accepting that, I was shocked when {$650.00} was drafted from my checking account. The appraisal was quoted at {$25000.00} less than the prior one. I have yet to receive the appraisal, though I have made several requests to receive a copy.

Company response to consumer: Closed with monetary relief