BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank bought my mortgage in early XXXX. My payments were fixed at {$3200.00} monthly paid automatically from my checking account. My escrow payments went up for real estate taxes and insurance. The company sent me a letter on XX/XX/XXXX saying the payments would go up automatically, or " If you'd like to pay the ENTIRE ( my emphasis ) escrow shortage/deficiency amount of {$1100.00} that's shown on your enclosed Annual Escrow Statement in one payment please mail us the coupon below along with your check. '' Which is what I did. 

Below is a Note saying : " Even if you pay the full shortage amount, your loan payment may still increase if your property taxes and/or insurance premiums increase. '' Naturally, I didn't think it meant BOTH! My next payment was increased to {$3300.00}. 

I have always paid my escrow increases to keep my payments level and avoid confusion, and have done it probably 15 times over the past XXXX years of home ownership. This is the first time I've seen this. It's very misleading, deceptive and there is no reason they shouldn't allow me to pay the full increase to keep payments the same. They make more money by splitting it, I'm sure ( otherwise, why force me to do it? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: LA
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:
XXXX, Equifax, and XXXX failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from XXXX, Equifax, and XXXX. The proper account number according to my monthly statements from XXXX begins with a XXXX instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX  ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX , XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in 9 ), along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated XXXX credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by XXXX, Equifax, and XXXX, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Had a mortgage from XXXX and wanted to know if I was a part of the class action possibly being harmed by modification without my permission.

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 2021-10-05
Company: ERC
State: CA
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:
ERC a third party collection agency violated my rights by contacting me through mail, In the letter sent to me there was a logo that belongs to this company, in 15 USC 1692b ( 5 ) states that use of any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt is a violation.

ERC also violated my rights by claiming I owe a debt, violating 15 USC 1692b ( 2 ).

In the letter ERC used obscene and profane language violating 15 USC 1692d ( 2 ), and threatened to report me to the credit agencies, this action ruins my reputation and is defamation of character and it is a violation according to 15 USC 1692d ( 1 ). ERC also used false and misleading communication violating 15 USC 1692e ( 5 ) Threatening to take any action that can not legally be taken or that is not intended to be taken, and again stating they will attempt to ruin my reputation and character violation of 1692d ( 1 ).

ACTIONS I TOOK : *wrote out an itemized list of every violation, labeling them exhibits ( a ), ( b ), etc.

*highlighted and wrote in red ink every violation on the original piece of mail I received.

*wrote an affidavit of Truth with all exhibits clearly itemized.

*in the affidavit stated that I am sure the removal of my information from ERC website, company records, or any and all derivatives therefore, of, and / or with any affiliates will ensure my privacy right won't be violated again due to my lack of consent.

*stated that I do not accept their offer to contract.

*stated that I do not consent to these proceedings.

*stated that I do require subrogation of the bond to settle the charge *I typed out all factual violations in an affidavit of truth which was then notarized.

*sent the affidavit of truth to ERC response address listed via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MI
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 account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/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 : Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these incorrect items on my credit since XXXX, 2020. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
My name is XXXX XXXX and I have been a victim of identity theft for over 10 years, that being said I have several police reports and several ftc reports supporting my claims for identity theft, I currently have over 35 credit inquires with transunion and I have sent in supporting documents stating that these are fraudulent inquires placed on my report and transunion is refusing to remove to all the fraudulent inquires from my credit report, how can you help me with this matter?, please advise me

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 2021-10-05
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: Investigation took more than 30 days

Complaint:
Submitted a dispute and the credit bureaus took longer than the allowed amount of time by law for resolving the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: IL
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:
After I returned From a trip on XX/XX/2022, I was reviewing my credit card charges and notice service charges by XXXX XXXX for bag fees. I called the Chase Credit Company and filed a dispute on the {$79.00} bag fee. 

I filed the dispute with Chase regarding being charge twice by XXXX XXXX for bag fees in the amount of {$96.00} ( prepaid online XX/XX/2022 online ) and {$79.00} charged at the airport XX/XX/2022 for the same luggage. XXXX stated in their response that I paid {$79.00} for a carry-on bag fee without addressing the fact that I paid {$50.00} for the carry-on bag fee for a personal bag at the airport on XX/XX/2022. Chase agreed with XXXX XXXX about the {$79.00} carry-on bag fee and denied my dispute without verifying with me whether or not this information was true. Because as I stated above, that I paid {$50.00} for the carry-on bag fee at the airport and XXXX claimed to have charge me {$79.00} for a carry-on bag fee, therefore XXXX charged me twice for a carry-on bag fee on XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/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 XXXXXX/XX/XXXX 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 an 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 explanation
Consumer complaint received 2023-02-08
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:
This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be and permanently removed from my report. 
I sent a copy of my report to the credit bureau showing all the inconsistencies and errors on my report which was reporting I highlighted all of the issues and I didn't get anything back but a reinvestigation which I didn't not ask for I wanted those item to to removed because of the inaccuracies on my report I also ask for the address to be updated and that has not been updated this company has not done anything but violated my rights as a consumer they have had more then 45 days to resolve the issues and it's hasn't been resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: IL
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:
Ive disputed a XXXX XXXX XXXX XXXX XXXXXXXX Reference number XXXX, XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( Experian ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-19
Company: Colony Brands, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke to a representative from this company and they stated that they would remove this account from my credit reports if I paid the account off. It has been years and this company has not honored their word. I requested this account be taken off all 3 reports as I was promised by a representative of the company that it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



Please remove -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 2021-10-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or around XX/XX/2021 we started the new construction loan process with BB & T/Truist for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.

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