BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A raiz del huracan maria comenzamos a tener inconvenientes con los pagos, Recibimos una llamada la cual nos ofrecen un programa de nombre Feddie MAC Disaster program, aceptamos los acuerdos, al tiempo estabamos consientes de los atrasos siempre nos mantuvimos haciendo pagos y en comunicacion con citimortgage, Me asignan una consultora de nombre Kristal Madero para ayudarnos con la cuenta asesoria de como poner nuestra cuenta cuenta al corrriente. En el transcurso del tiempo me asignan otra consultora de nombre Diana Orozco esta nos ofrece la posibilidad de hacer una modificacion la cual aceptamos, pero cuando llegan los documentos por correo y leimos bien de que consistia esta modificacion la declinamos era algo que iba en contra de todo lo que hemos pagado durante todos estos anos, Luego de eso la senora diana nos ofrece una extesion de pago donde de los 5 meses de atraso le pagariamos 3 y los 2 restantes irian al final del prestamo, ella me indica que me va a enviar los documentos por fax los recibi el dia 17 de Septiembre los firme y los devolvi por fax tengo prueba de confirmacion, mantengo comunicacion llame el 24 de septiempre 2018 para ver si recibieron los documentos y una persona del servicio al cliente me atendio de nombre Karina esta persona fue grosera e el telefono no podia darme ninguna explicacion de como iba mi caso y tambien me indica que no a recibido nada de mis documentos se los envie de nuevo esa tarde. Le pedi hablar con un supervisor y de manera sinica me dijo que la unica persona que me podia ayudar solo hablaba ingles, escuche como se reia en el telefono y me mantuvo en espera sobre una hora y munutos, Me indico que la senora Diana orozco no podia atenderme hasta Octubre 2 2018, Desde el 17 de septiembre hasta octubre 2 eran ya mas dias contando y ellos no me daban respuestas envie los 3 pagos como me indicaron. Hoy 8 de Octubre les digo como va mi situacion ellos me asignaron otro consultor lo cual me indica como cliente la falta de orientacion y ineptitud de esta compania, La persona que tiene mi caso se llama e;l Sr Matthew Seitz con numero de telefono 1-877-245-2511 ext 0475289 hoy 8 de octubre 2018 hable con el a las 12:30 y me indico que mi extension fue negada no tan solo eso ocurre en mi cuenta cuando hago pagos no los anaden a la cuenta pienso que algun tipo de fraude estan incuriendo tengo estados de cuenta que asi lo confirman necesito ayuda. Gracias

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 2023-10-02
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-05-25
Company: T.S. Holdings
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: Public record information inaccurate

Complaint:
IQ data has falsely reported wrong information to get money from a court order written statement! They have falsely reported incorrect payment statements & history dates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account I have not been hospitalized so why am I getting charged for something that isnt mine. You guys need to remove this from my credit because if you look at my credit history I pay all of my things on time. This is wrong and you guys need to delete this off 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 explanation
Consumer complaint received 2021-06-04
Company: BARCLAYS BANK DELAWARE
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:
These accounts don't belong to me.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft BRCLYSBANKDE  Date of inquiry : XX/XX/XXXX This is not mine.

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2023-09-15
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a lone through Navient this loan is a XXXX XXXX XXXX. The loan is over {$100000.00} Even though the loan is in my name my son pays it monthly. he can only afford to pay the very minimum which is {$680.00} monthly. He has been steadily paying for two years. The loan keeps going up. Last year in XX/XX/XXXX it was at {$100000.00}. Now it is up to the {$100000.00}. This is completely insane. The loan is now almost double what his actually education cost. At this rate he will never be able to pay it off. We are looking to resolve this. There needs to be a light at the end of the tunnel. In two years he has paid {$16000.00}. When my son signed applied for the school we were told we had to apply for a XXXX XXXX XXXX to assist with the cost of the school. I had know idea that it would be this costly. This is a racket. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYSTEMS INC The dates on my credit report is false they dont match and this account I disputed a lot of times because I never lived at the address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2020-08-13
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently received my latest Annual Escrow Statement account for XXXX. The statement shows a shortage of {$3600.00}. This shortage results in my mortgage payment increasing from {$1400.00} to {$1800.00}. This increases my monthly mortgage payment by {$490.00}. This increase will cause significant financial hardship for some time to come, for an error I did not commit. 

Since my refinancing in XXXX below are the Annual Escrow Statements by year and the shortage amount : XX/XX/XXXX {$760.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$810.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3600.00} Property and school tax increase are limited by law to 2 %. The Hazard insurance increased by 10 %. from XXXX to XXXX. The significant Escrow shortage is not due to my taxes or insurance increasing. 

Conducting a research of School tax Payment, the following faults are identified. The XXXX School tax payment for {$2000.00} was made on XX/XX/XXXX. The XXXX School tax should have been paid in XX/XX/XXXX. However, the XXXX School tax {$2100.00}, was paid late on XX/XX/XXXX. The XXXX School Tax payment was due in XX/XX/XXXX. The late XXXX Tax payment resulted in using misappropriated Escrow funds from the wrong year.

This late tax payment is the primary reason the Escrow shortage amount is so significant. 

Since the inception of this mortgage I have not missed any payments, nor have I been late. As a Federal Government employee, I have endured two federal government shutdowns where I was not paid. Yet, I met my financial requirements to US Bank. My credit score is above XXXX points and have worked diligently to maintain that score. 

As stipulated in section 3 of the mortgage document I request that I no longer be required to maintain an Escrow Account, and I pay all taxes to appropriate offices.

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 2019-02-11
Company: EQUIFAX, 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:
Contacted Equifax numerous times regarding my issue with no avail. 


Numerous fraudulent accounts remain on my account. For example, there are 5 hard inquiries I never made that haven't been removed from Equifax, yet they were removed from XXXX and XXXX. 

Also. I told Equifax to physically mail me my disputes and they continue to only offer them online. When I type confirmation in THEY PURPOSELY DONT ALLOW ME TO ACCESS INFO BY SAYING THEY COULD NOT VERIFY ME.REALLY? WHY CANT U BE NORMAL COMPANY AND REQUIRE USERNAME AND PASSWORDS. 

I AM REQUIRING EQUIFAX TO MAIL RESULTS COMMUNICATE WITH ME IN WRITTING VIA STANDARD MAIL! 

SOCIAL SECURITY NUMBER IS XXXX All data below is fraudulent inquiries, accounts and collections REMOVE IMMEDIATELY Inquiry details : XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

Collections : ( fraud ) XXXX XXXX Sys Opened XX/XX/XXXX {$370.00} Original creditor : XXXX XXXX Accounts open/closed ( fraud ) XXXX   XXXXREMIER {$570.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$33.00} Closed OTHER LOANS XXXX XXXX {$570.00} Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I received a charge of {$75.00} from the notoriously fraudulent company XXXX XXXX XXXX in XXXX. I've never done business with this merchant. 

I asked my credit card company, USAA XXXX XXXX, to please investigate the issue, but they said the charge was legitimate. USAA couldn't even tell me what goods or services the charge was allegedly for or when or where the charge was allegedly made. They just said contact the merchant. 

The company is a booting company, and my car has never been booted. You'd think I would remember that!! The credit card company simply accepted the word of this company over mine, even though I've been a member for over 29 years!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my extreme dissatisfaction with the actions of TD BANK regarding my Trust instrument. According to TD BANK, they have lost my original Trust instrument, which is a document of utmost importance to me and my family. This is completely unacceptable and I intend to take legal action against TD BANK for their negligence. 

As a result of TD BANK 's carelessness, adverse action has been brought upon all three of my accounts, and I have been denied access to the Treasury by delaying the opening of a Trust account even though all necessary documents have been recorded. This is not only frustrating but also impacting my financial well-being. I demand that TD BANK rectify this situation immediately. 

It is important to note that the IRS, all government branches of Florida, and the Federal Reserve Bank XXXX XXXX and XXXX hold copies of the private Trust instrument. This is proof that the Trust instrument exists and that TD BANK 's claims of losing the original document or not receiving it are false. 

I would like to remind TD BANK that the Trust instrument is valued at {>= $1,000,000} and any further delays or negligence on their part will not be tolerated. I demand that TD BANK take immediate action to locate the original Trust instrument, deposit it with Treasury to compensate me for the financial loss that I have incurred due to their negligence. 

I urge the Consumer Financial Protection Bureau to take swift action in addressing this matter and ensuring that TD BANK is held accountable for their actions. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX [ : confidential information forward to appropriate agents : ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: U.S. BANCORP
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, we had opened up Home Mortgage account with US Bank in XXXX, MN. Along with that they opened up Line of Credit account without our knowledge. Getting to the content of the description. We paid of Home mortgage on XXXX of XXXX. Our accounts with US Banks were closed. However, they kept our line of credit account open, which we were not even aware that we had one with them. Anyhow, we did not use line of credit as we were not aware of having an account. However, US Bank kept charging us {$29.00} to $ 24 monthly service charges from XXXX of XXXX to XX/XX/XXXX resulting the total charges of {$540.00} that we were not aware of. 
I went to US Bank in XXXX of XXXX for other banking and that's when I found out that there was {$540.00} charges on so called " Line of Credit '' account with US Bank, which gave me shock at the moment. 
Since XX/XX/XXXX to XX/XX/XXXX, I was with US Bank asking them to resolve this issue since these were not legit charges. At one point I was given assurance that it will be removed. However, On XX/XX/XXXX, when I ordered my credit report through experian, that when I fount out that US Bank had wrote a charge off on this amount of {$350.00} and it's on my credit report, which should not have been there. 
I'm bagging for your help to resolves this issue with US Bank in our favor since these are service charges that we have never used the service of. 
Please help me by talking with US Bank and finally to credit reporting company experian to sort this. 
I'll really appreciate your time in resolving this matter. 
Should you have any questions, my phone number is ( XXXX ) XXXX. 
my email address is XXXX 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 monetary relief