BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: Servis One, Inc., Titusville, PA Branch
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 lodged disputes witXXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection from CREDIT COLL on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XXXX, 2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making extra payments towards my mortgage. I do this online manually- it's not an automated payment. When I go through the process, it asks how I want to apply the payment. I have a choice of principal only, regular payment, or escrow payment. I choose regular payment. 
Bank of America will only accept one extra " regular '' payment, and then starts applying my payments to principal only, but without telling me. I know exactly what I am doing, and I want to make a series of " regular '' payments, because it will achieve the same thing but will bump my due date forward. They have told me that I need to ask their permission to do this, and that the reason they do this is that it's in MY best interests to make principal only payments. I get to make my own decisions about what's in my best interests, and I disagree with Bank of America. Furthermore, they have demanded that I send them a letter " asking '' if they will grant ME permission to get further than 30 days on my mortgage, and they will only accept that letter via FAX ( hahahaha ) or US Mail. Apparently they feel that they have the option to deny me this " privilege '' if they feel like it. 
I find the whole situation incomprehensible. They WON'T let me get ahead on my own loan? They know what's best for me? Since when. I don't think this is legal, and I'd like an explanation. My money, my choice.

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 2019-03-07
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : # XXXXXXXX XXXX XXXXXXXX : # 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 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 2023-07-06
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was hacked on the XXXX of XXXX for the amount of XXXX that someone took out of my chime account unauthorized. I contacted my bank in within 1 day I was told that I couldn't receive money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Marlette Funding, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-06
Company: GOLDMAN SACHS BANK USA
State: CA
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:
I ordered a monitor on XXXX, but the package arrived damaged. So, I returned the package through XXXXXXXX XXXX XXXX  pick-up service. After XXXX  picked up the package, I was given a return confirmation paper. However, even after the package was delivered to the XXXX return warehouse, they did not issue my refund. I raised the first dispute, but it failed. After contacting XXXX, they told me I had to wait 60 days since the return before receiving a refund. Frustrated, I started a second dispute, but it also failed. When I contacted XXXX again, one of the supervisors informed me that they had already issued the refund. However, due to the open dispute, the refund got blocked. They advised me to contact my bank and ask them to resolve the dispute. So, I submitted all my evidence, including the email from XXXX stating they received my package and would issue the refund. Despite presenting strong evidence, my dispute failed once again the latest dispute id XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited two checks into my checking account at TD Bank. They were payroll checks. Usually my payroll checks the next day are cleared onto my account. This time on my account was showing the deposit but the entire funds were on hold. I figured that because of the amount of the checks they needed to make sure the funds were available before funding my checking. So I waited until Monday XX/XX/XXXX and still the funds were not there. I checked with my boss to see if saw the transaction on his account and the money were taking our of his business account. So on Tuesday XX/XX/XXXX I go to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX and the bank explained to me that they hold the money because of the amount and that on thursday XX/XX/XXXX my money would be realized ... .so they kept my money they left me with out money for more than a week. Now it is Thursday XX/XX/XXXX and i still don't have my money onto my account. Shame on them ... ..they left me with out salary for a stupid  explaination when they cashed the checks but the funds were not available. This is abusing their power. i have to go away in two days and don't have the money to buy the last things that I need for my trip. I WANT MY MONEY BEFORE THE END OF THE DAY!!!!!. TD BANK IS THE WORST BANK EVER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX XXXX again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with XXXX, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.

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 2022-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with The Fair Credit Reporting and XXXX  Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions XXXX : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Equifax Remove those Fraudulent Inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  XXXX XXXXXXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I was Contacted to refinance my FH a mortgage and lower my payments the first payment was lower than my original payment prior to refinancing currently I still have a higher payment than my original mortgage and my loan servicer Doesnt have anybody who can help me answering the phones Ive given up multiple times trying to fix this apparently my escrow account is the problem and I dont understand I currently have a forbearance that expired and I owe {$25.00} towards my XXXX payment which was part of the forbearance and the entire XX/XX/XXXX payment I can not get in contact with the money source , the company that services Service is my loan but thats nothing new I am barely ever been able to contact them since they started servicing my loan I dont understand why they show my mortgage payment due for XX/XX/XXXX has almost {$7000.00} and I do not understand why my refinance has made my mortgage payment different all the time and hireThen my original FH a loanSpace can you please help me get my payments solidified to one amount and correct the problem they created with my escrow account theres nobody at the company named The Money Source who can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done and it came back verified. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they ( XXXX XXXX XXXX ) do not verify information to credit bureaus. With this information, EXPERIAN still has not removed the bankruptcy.

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 2021-05-28
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in a forbearance with Shellpoint mortgage servicing due to a Covid hardship. My loan is owned by XXXX XXXX. I am looking to end the forbearance plan. I qualify for a flex modification per XXXX XXXX guidelines. I have asked Shellpoint multiple times to provide me with a rate reduction and term extension. They have offered a term extension but not a rate reduction as required by XXXX XXXX for a flex modification. Shellpoint has ignored the fact that XXXX XXXX owns my loan. I made a specific request for a rate reduction per the guidelines from XXXX XXXX. The response is that their investor is not offering a rate reduction. This decision is not up to the investor, it is dictated by XXXX XXXX rules and regulations. The email chain and sequence of events are too much to post here. I can follow up with details. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1692 I am requesting validation for the following accounts with Nationwide Recovery sv : 1. # XXXX {$1600.00} 2.  # XXXX {$1100.00} 3. # XXXX {$390.00} 4. # XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, 2017, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ).
On XX/XX/XXXX, 2017, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use TransUnion 's online portal to place an extended freeze on my credit report. Usually the online portal will tell me that the system is busy and can not process the request ; however, occasionally, it will give me the error that it can not give me a copy of my credit report. I already received a copy of my credit report, found fraudulent tradelines, and I need to place a Freeze. TransUnion 's error does not make any sense. 

I am the victim of identity theft and need to freeze my TransUnion credit report, but can not obtain a freeze from TransUnion.

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 2020-11-25
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Each month I pay my mortgage ( on time ), with additional principal. I remit payment with two checks, one from my checking account and one from my XXXX XXXX. 

My payment due XX/XX/XXXX was ( I mailed payment XX/XX/XXXX ) {$1600.00} I paid : Personal check # 1 : {$1000.00} Personal Check # 2 : {$910.00} I specified on the remit form, as I often do, that the additional {$300.00} should be applied to the principal. I pay this way nearly every month. It has never been a problem and I check my statement carefully each month to ensure this. 

Freedom Mortgage has not cashed either of the checks I sent. My Freedom Mortgage account page shows the check for {$1000.00} listed as " suspense payment '' and does not show the second check as being received at all. I have called both banks which I wrote checks from and they have no record of them being cashed. 

I called FM on XXXX/XXXX/20. They were clueless, and promised me a call-back which I have not received.

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 2021-05-28
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation