BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we paid off our mortgage with BB & T ( now Truist ). The address on file for us was an old address we had not lived in since XXXX, they were notified about this address error at origination as well as in XXXX when we had a similar problem obtaining our tax statements. The property address itself was transposed on our payment coupons as well. On XX/XX/XXXX at XXXX AM I reached out to them via the phone number on my coupon book to ask for our Mortgage Tax and Interest statement to file taxes for XXXX. It was discovered that they had not updated our address and the notice had gone to our prior address in XXXX. I asked they update our address and mail another copy to me that day. On XX/XX/XXXX at XXXX AM I contacted them again on the same phone number, as I had not received my tax statement. The customer service rep stated the address had been updated, but the document was not mailed until Friday XX/XX/XXXX and to wait another week to see if it came in the mail. Today, XX/XX/XXXX at XXXX AM I once again reached out to request a copy be emailed to me or have a tax statement mailed to me with a tracking number so I could file my taxes. I spoke with XXXX and he stated that the document was mailed to the incorrect address again between XX/XX/XXXX and XXXX. I asked to have the document emailed to me, that request was denied. I asked to speak with a supervisor and was denied that option. I asked to file a complaint and was told that was done, but have no other confirmation it was taken care of. XXXX took my phone number and told me a supervisor would contact me. This is unacceptable as it is a required document, the address has been incorrect for many years, they have been asked to remediate that multiple times. Because our loan is paid in full, they have XXXX our online banking access to this account so the only way I am able to obtain this document is by mail, yet they do not seem able to update the mailing address despite my multiple attempts to do so.

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 2019-10-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 I moved out of an apartment complex having given 60 days notice and all rent and bills paid in full. On XX/XX/19 I received an email from XXXX XXXX with a move out statement attached claiming that we owed them {$1100.00}. I replied to the email stating that I did not agree with the charges for the following reasons : 1. A move out walkthrough was not done by a member of management or the office staff ( they had sent the maintenance guy over who verbally said everything looks fine, he did not have any paperwork to sign and gave no indication that there would be any issues. ) 2. No evidence of any work being needed or having been carried out such as photos, receipts etc. 
I received no reply. I then received a second email on XX/XX/19 stating that I had to pay the above amount. Both of these emails came from the apartment complex and even though I replied I did not receive any further communication from them. 
On XX/XX/19 I received a letter dated XX/XX/19 from a company called I.Q Data International claiming to be a debt collection agency and wanted payment of {$1100.00} On XX/XX/19 I  sent a dispute letter via certified mail to this company asking them to verify the debt, provide proof that I owed the debt and in the meantime to not contact me. On XX/XX/19 I  received a second letter from the company dated XX/XX/19, again, asking for payment of {$1100.00}. 
On XX/XX/19 I received confirmation that my dispute letter had been delivered to the PO BOX stated on their letter and then on XX/XX/19 that my dispute letter had been delivered  to their office. 
On XX/XX/19 I received a third letter from the company, again, asking for the amount {$1100.00} to be paid ( this now includes interest ). They had received my dispute letter 14 days earlier yet made no attempt to show proof of the debt and instead demanded more money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX Concerning Carrington 's  mismanagement of resolving mortgage assignments and recordings for a partial lien release. The closing for the property was to be XX/XX/XXXX. Because of the delay the buyer backed out of the sale of the vacant lot, {$35000.00}. My attorney did not receive the paperwork releasing the lien until XXXX of XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Credence Resource in the representation of XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On about XXXX, XXXX closed my credit card account without my permission and it does not refund me annual fees. I just opened this card account for only three months and rarely use its 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 monetary relief
Consumer complaint received 2023-10-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I took out a HELOC with Huntington National Bank in XX/XX/XXXX. It is an interest only loan. My plan was to pay the payments plus extra to pay-off the principle. 
My first payment was a very reasonable {$220.00} at an interest rate of 3.49 %. 
Since then, the payments have increased nearly every month until my latest payment is a whopping {$1000.00}!!! at an interest rate of 8.74 %. And, once again let me point out that I am not even getting the loan principle paid down! 
When I was speaking to a friend about this crisis, they suggested that certainly I must be approaching a cap on the increases. So I got out my paperwork and discovered that the cap is 18 %!!! My wife and I will have lost our home long before we could ever reach that cap in payments. 
I've talked to my branch lone officer twice. I have retired during the past two years, so I can not qualify for a mortgage to replace this HELOC because my income is now too low. Meanwhile, this HELOC now requires more than half of my income to pay!!! 
They gave me paperwork for getting into a program to only make partial payments- during which time the interest would continue to accumulate. That choice would only balloon the loan to be completely unpayable. Plus the forms state that getting in that program would affect my credit rating. 
I tried to contact someone higher-up in Huntington, so that I could speak to some executive who could perhaps offer some real help. But I could find nothing online for that. 
I phoned into Huntington two times to register complaints about this situation. The first time on XX/XX/XXXX I was told my complaint was expedited and someone would respond by XX/XX/XXXX. No one contacted me, so on XX/XX/XXXX I phoned in again and was told my complaint had not been expedited after all. So the person I talked to opened another complaint.. I was transferred to a Supervisor, who refused to transfer me to anyone higher in the organization and simply pointed out that I had signed the loan papers. 
At that point, I decided to contact the CFPB. 
I feel that I was " rooked '' by Huntington Bank. I never imagined in my wildest nightmares that this loan would skyrocket this way and nothing I was told pointed it out in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Information belongs to someone else

Complaint:
This is the second time I have contacted you about this company and I'm about to get an atty, this account does jot belong to me. 

below is the info, this account dropped my XXXX XXXX XXXX points and its stopping me from biyung my home. 

XXXX opened XX/XX/2018 ( I think, Im not sure now ) its reports closed

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX 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 2022-12-23
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is reporting fraudulent unverifiable information that is injuring my reputation and causing me harm. They are reporting a fraudulent account from XXXXL with account number XXXX that I have never seen nor signed before. I have asked for validation and never received the validation. I needed to see original signed tri-lateral contract along with the XXXX XXXX records that created this account. The account is currently listed as closed but showing an original balance of {$3200.00} and went up to {$320000.00} on XX/XX/2022. I received a drop in scores due to the addition to this false debt and I got an alert to say the balance on this account has increased. How can a closed account still have activity and ruining my reputation? They are inaccurately reporting a foreclosure on an unverified, unvalidated and inaccurate fraudulent account that I didn't sign. There are no tri-lateral signed contracts for this fraudulent account number. I need this account number removed from my consumer report immediately. They are making it hard for me to participate in commerce as a consumer and I can not extend credit as required by law to facilitate trade.

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 2022-03-17
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:
This is the second time I have contacted you about this company and I'm about to get an atty, this account does jot belong to me. 

below is the info, this account dropped my XXXX XXXX XXXX points and its stopping me from biyung my home. 

XXXX opened XX/XX/2018 ( I think, Im not sure now ) its reports closed

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 2021-09-17
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, FXXXX XXXX XXXX XXXX, XXXX XXXX and BARCLAY continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.

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 2022-12-23
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:
XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. XXXX, XXXX, Equifax and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Alleged payday loan that I took out at an undisclosed date. XXXX XXXX is the alleged debt collection agency that " CHECKINTOCASH '' ( https : //checkintocash.com/ ) sold my account to.

When I look up their phone number online, it comes up as a reported payday loan scam. There is also nothing on XXXX that comes up about XXXX XXXX. 

They have a 10 year old address on file and did not call ME, but my old roommate. And left a voicemail saying they were going to garnish wages. I asked to please have formal mail correspondence sent to my current address for review and they refused and offered to email it to me only. They are rude and cut me off and don't let me ask questions, just how I wanted to resolve the debt. 

I do not trust that this is a legitimate debt. I called Checkin To Cash and they have no records of this. It is also not on any of my 3 credit reports.

Please help me validate the scam.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX ASKED FOR EQUIPMENT RETURN. IT WAS DELAYED AS I WAS XXXX XXXX XXXX OVERSEAS. UPON MY RETURN I RETURNED THE EQUIPMENT TO THE XXXX LOCATION AS REQUIRED. THEY SENT IT ANYWAY TO XXXX XXXX WHO PROCEED TO THREATENED ME WITH LEGAL ACTION. I TOOK ACTION AGAINST THEM IN SMALL CLAIMS AND WON. THINKING IT WAS OVER, XXXX XXXX XXXX XXXX XXXX XXXX IT TO ANOTHER AGENCY SEQUIUM ASSET SOLUTIONS. i TOLD THEM NOT TO CALL MY CELL AS I PAY FOR MINUTES AND THAT THE DEBT IS DISPUTED AND NOT OWED. THE LADY SAID SHE WILL CALL, TAKE LEGAL ACTION AND DAMAGE MY CREDIT IF I DON'T GIVE HER MY CREDIT CARD.THE EQUIPMENT WAS OUTDATED BECAUSE I WAS SERVING MY COUNTRY OVERSEAS AND COULD NOT RETURN IN A TIMELY FASHION. TO BE THREATENED AGAIN BY A DIFFERENT AGENCY IS AN ABERRATION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have credit issued to me for an overpaid balance. They are refusing to return that amount. I have fought with them over the phone numerous times. They keep hanging up on me and I have not received the amount! 

Citicards.com.

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 2022-12-23
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation