BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am selling my home ; we have a closing date for early XX/XX/XXXX with the Mortgage being paid in full. The Company is aware of why I was behind due to XXXX XXXX XXXX and XXXX  that came about while on XXXX XXXX Military. The first issue is I refinanced through this company, and they promised that my payment would lower to help in this hardship. 6000.00 + later added to my Mortgage and now I'm paying XXXX more than my original loan. I call to speak to the department and they can't explain why. Later after complaining enough they said to change home insurance companies that I could possibly lower it that way. I changed companies. Months later, I keep getting mail from my home owners insurance stating that their not receiving payments. I contact my mortgage company ; they put me through to the insurance dept. They told me they are paying it to disregard. I received 6 more letters, and spoke with my homeowners insurance ; they said they are not making payments. Called my mortgage company ( Pacific Union financial ) again during the time frame of those 6 letters. They said again disregard we're making payments. Long and behold my homeowners insurance cancelled and I was not notified, and went 3 months with no insurance. So XXXX XXXX  ( who I had ) then told me they couldn't reinstate me do to the gap. Had to go with another company and my payments skyrocketed. Contacted Pacific Union again, and just like before they play stupid   and say not sure why we made payments. When I ask for corporate my rude acct mang XXXX says she is corporate. So, the most recent problem was what made me furious enough to file a formal complaint. I set up a payment to automatically come out for XX/XX/XXXX, with XXXX. I called in to cancel it, and she said she will not allow me to!!!!!! She said we are taking it out, I said I do not give you permission to do so know. Then she mocked me and laughed at me over the phone, and said do you forget the talk and call we just had days ago when you set up payment. What she would not allow me to do is explain why I needed to cancel it. She said its coming out and I will not stop it, and the only way you can stop it is through your bank!! My home is selling, and I had an issue with my health insurance and I got a XXXX XXXX  removed off my XXXX  on XX/XX/XXXX.  My XXXX is now XXXX, and I have to pay full cost for a XXXX XXXX, and the specialist appointment to get this handled. This was the situation that changed. I am astonished on how rude and unprofessional XXXX, my account manager is! I think that telling a customer that you refuse to stop there automatic withdraw is against regulations and procedures of a mortgage company! I think that this Company needs to be looked at with a fine tooth comb, because they are clearly not following protocol. My mortgage will be paid in full in a matter of weeks. I did not deserve that treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need my pin to be reset for me or removed off from my account. 
. 
Of removed from my account, so I don't have to give it to the agent when I talk over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Bay Country has been calling me using abusive and threatening language.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report, please remove/block any items listed on my credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 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 explanation
Consumer complaint received 2021-02-11
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never gave The CBE Group my direct consent to communicate with me. I received a petition for an alleged debt from them in the amount of {$3100.00}. They list the Internal Revenue Service as a Creditor. I never give out my private dwelling address. I was VERY disturbed when I received something in the mail from an unknown company that I have NEVER done business with. I called the company and I am in possession of the recording where representatives from The CBE Group had access to my private personal information including my social security number. When I responded to the mail they sent me I received one communication where they stated they did not have an account for me but then received two other letters where they stated they were returning an account they referred to " your account '' back to the Internal Revenue Service. It is VERY upsetting and stressful that my information is being transferred without my consent to people I man not giving my direct consent to. I have proof of all documents received from the company and my responses to them along with copies of electronic receipts and tracking numbers from the USPS. I also have two call recordings as well. My information has been breached. The CBE Group is also committing mail fraud by sending me nonmailable matters through the mail. I am sick of the deception and false and misleading communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made a few payments that should have qualified for XXXX but they are saying there is no bill. One is being " reviewed '' but has been for the past 1.5 years. This payment was made XX/XX/XXXX in the amount of {$1900.00}. Another payment in the amount {$1100.00} made XX/XX/XXXX is marked as ineligible. I have attempted to get this resolved several times since filing the request to have them reviewed and each time I am met with the response that it is under review with no ability to delineate a time line. I should qualify for forgiveness in a little over a year and would like to get this handled especially with the looming Department of Education deadline of transfer of loans to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: OR
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an online joint checking account with Citibank on XX/XX/XXXX for me and my daughter. Apparently, my full address did not come over with the online application. I sent over a cable utility bill to verify my daughters address with the application and they did not accept. I called back to resolve and never heard back ; however, I received emails to fund the account through the Citi app, which I did. 

On XX/XX/XXXX, I called to ask about debit cards and was told the account was locked and not opened due to a discrepancy between the address on the application and proof of residence documentation. I offered to send over the lease with correct address with both joint owners and Citibank refused offer and will not proceed to open or unlock account. 

In the meantime Citibank sent me emails indicating the account was open and asked me to deposit funds. I transferred {$15000.00} by ACH to the Citi account and it was accepted ( even though the account was technically in review ). Citibank has locked this account, will not open the account, and refuses to return the {$15000.00} in funds by rejecting the deposit and sending it back. 

Citibank has never contacted me between XX/XX/XXXX and XX/XX/XXXX to tell me there was a problem with this account. I called them to ask about debit cards and found out the account was not opened and locked. Citibank offered me no time frame or path to resolve. I was told that 30 business days from application they would start close out process and eventually they would mail me a check for the funds when process was complete ( even though they have been told they do not have the correct address and will not update ). Citibank offered me no alternative. I just want my {$15000.00} sent back by ACH from the account of origination. 

As a side note, I was solicited by Citibank with a promotional offer to open this account as a valued credit card customer. My correct address is on file with the credit cards and Citibank refused to use their own information to validate my address with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BARCLAYS BANK DELAWARE
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for a card with a promotion through Frontier Airlines on XX/XX/XXXX. During this time I was supposed to receive a {$200.00} voucher for getting approved for the card. Long story short, we never ended up getting the voucher, nor did we ever receive the credit cards, billing statements, welcome packets etc. etc. The card was through Barclay 's bank of Delaware. I still do not have any cards nor do I have any paperwork regarding the credit to a Frontier Airlines account. 

The problem that i have is that all of the sudden, I receive notice that I am 30 days past due. I have never missed a payment in my life, and I have perfect credit. This alone had dropped my credit score 50+/- points. The 30 days past due is from Barclay 's saying that I never paid the annual fee. This was never paid because I was never notified nor did I receive the benefit of the {$200.00} voucher from Frontier airlines in regards to being accepted on this credit card. 

I have done my due diligence and called multiple times over the last couple of weeks. You get put on hold, bounced from person to person, and then you get hung up on. on Tuesday XX/XX/XXXX I spent a total of 4.5 hours trying to get this resolved with nothing being taken care of.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my 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 non-monetary relief
Consumer complaint received 2020-07-13
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I reported my card stolen and ordered a new card XX/XX/2020. I am not able to enroll in direct deposit so I can access my money thru another account. So I am stuck waiting on this replacement card which is supposed to come in 7-10 business days! I have no way of paying my bills or providing for my family right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, INC.
State: MS
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 have sent written letter to equifax regarding unauthorized inquiries be investigated. However, I have not received a reply into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my checking online banking account restricted by Truist Bank. It was working fine XX/XX/XXXX. The bank decided to update accounts as a system clean up as result of an issue with XXXX accounts. I called customer service spoke XXXX different people I was instructed to go to the branch, the branch stated that the account was fine there was no issue but I still can not access it. I finally spoke supervisor at Truist Customer Service who stated I had to go back to the branch XXXX XXXX, XXXX, MD XXXX. We identified what the problem was and corrected the paperwork XX/XX/XXXX, I worked who has been very helpful but as XX/XX/XXXX I still do not have access to my account and funds. I spoke to another with Customer Service Supervisor on XX/XX/XXXX who is now stating that will now take XXXX business days for this to be taken care of due to the number of customers impacted by this change. There was no communication before this change was done. My trust has been in effect since XX/XX/XXXX with same bank through all their mergers. 
I can I pay my bills? Who is going to pay late fees? What impact could this have on my credit score? 
How can the bank do something like this without communicating

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 2023-04-03
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: Public record information inaccurate

Complaint:
Dear Sir/Madam, I am writing to dispute the reporting of child support account # OAG ID XXXX on my credit report. I am XXXX XXXX, and I have reviewed my credit report and found that the reporting of this account is inaccurate and is negatively impacting my creditworthiness. 

I understand the importance of paying child support and fulfilling my obligations as a parent. However, I have fulfilled my obligations in a timely and responsible manner. I have never been delinquent on any child support payments, and there is no reason for this account to be reported as negative. 

The inaccurate reporting of this account is affecting my ability to obtain a home. I have applied for a mortgage, and my application was denied due to the negative reporting of this account. I am concerned that this inaccurate reporting will continue to impact my ability to obtain credit and loans in the future. 

Therefore, I request that you remove child support account # OAG ID XXXX from my credit report. I have attached documentation that supports my claim of accuracy, and I kindly ask that you review this information and take appropriate action to remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: CA
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 Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: SC
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:
A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: AR
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 identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation