BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: KY
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  account 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 : also states a consumer reporting agency can not furnish a 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 2019-02-02
Company: Experian Information Solutions Inc.
State: CA
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 belong to Experian Credit. 
I checked my report & shows to accounts With the wrong balance 1. XXXX XXXX XXXX XXXX {$7800.00}. Wrong Was paid off. 

2. XXXX, XXXX. 
Balance {$640.00}. Wrong Cancelled sell balance {$0.00} I tried to Correct this through Experian But was not able to correct this matter. 
Please help

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 2019-02-02
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We have had an account with Keybank and the previous bank they purchased, XXXX XXXX for about 38 years now. In XX/XX/XXXX we were offered as part of our account with Keybank a FREE safety deposit box. 
On XX/XX/XXXX we received a letter stating that our checking account was debited for {$160.00} for our safety deposit box # XXXX being delinquent. On XX/XX/XXXX I called the XXXX number on the letter and with the second representative ( XXXX ) I dealt with and was told this was a bank branch issue and I had to contact the branch. 
I contacted the branch on XX/XX/XXXX and on XX/XX/XXXX the branch manager XXXX XXXX called and explained to me that the account had changed because in XXXX I had raised concerns about service charges and that we were notified of the account change. I honestly do not remember a service charge issue but I can state emphatically that we were NEVER notified of a change resulting in our FREE safety deposit box becoming a safety deposit box with a charge. If I had known we were going to be charged I would have either paid it on time, or closed it. 
XXXX XXXX stated we were notified but I must state again we were not. In fact Keybank can and does find me when they want to send offers of checks to use and charge to our credit card and that in fact is the ONLY mailings I have received from Keybank until the letter of XX/XX/XXXX. 
I was also told that although he was not passing the buck I should call the XXXX # which as stated we already had called and I told him so. 
On XX/XX/XXXX XXXX XXXX called me back and stated that {$69.00} of the {$160.00} debited to our account was credited back. When I asked why just {$69.00} I was told it was better than the zero we were going to receive prior to his negotiating on our behalf. 
On XX/XX/XXXX I completed a survey sent by Keybank via email and wrote of my concerns over this issue and as of XX/XX/XXXX have had no response. 
On XX/XX/XXXX I cleaned out our safety deposit box and introduced myself to XXXX XXXX. I thanked him for his efforts but told him I felt we should have all of our money credited back to our account and that I was in fact moving forward to lodge this complaint. 
He just shrugged his shoulders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My Chase checking account added a XXXX account to my checking account, without my consent. I DO NOT want XXXX attached to my checking account. 

I also have had funds delayed in payment on my bill pay, associated with my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I mailed a certified letter to Transunion. The letter was regarding disputes for unauthorized credit inquiries. I requested an investigation for about 18 inquiries in XXXX. I received a letter instead telling me to write to each company separately to report unauthorized inquiries instead of Transunion doing an investigation and checking the validity of the inquiries.

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 2019-08-23
Company: Experian Information Solutions Inc.
State: CA
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 credit bureaus are reporting this collection account on my credit report that does not belong to me and it's causing me problems.

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 2018-03-10
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is incorrect information listed on 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 2021-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's  malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

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 2019-02-02
Company: Experian Information Solutions Inc.
State: VA
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 attempted to have XXXX XXXX pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with XXXX XXXX typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the XXXX XXXX account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid XXXX XXXX in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay XXXX XXXX in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a 36-year history. I have called XXXX XXXX on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately XXXX points because of this issue. XXXX XXXX needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Filo Mortgage, L.L.C.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XX/XX/2022, I started the home refinance process with FILO Mortgage. Seventy-five e-mails from XXXX through XX/XX/2022, with FILO mortgage XXXX All e-mails had the same message this loan application is progressing it is approved while at the same time asking for numerous repeat information and documents previously provided. On XX/XX/2022, I was notified by FILO Mortgage it had requested a new credit report a second report from the initial credit report obtained with the start of the process. This was conducted without my approval ( a clear violation of the fair credit and reporting act ). The results of that report indicated a change from the first request and based on that unauthorized report, On XX/XX/2022, I was notified that the loan application was being cancelled, FILO mortgage was cancelling my loan application based on the unauthorized credit request. I am in the process of filing a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission and will work with the XXXX XXXX XXXX. The whole two-month experience with FILO mortgage has left me with one conclusion. In my judgement, Filo Mortgage is a company that one should be very leery about doing business with. In my view they clearly have poor case file management and unqualified individuals working the refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, 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:
I Have Called All Credit Bureaus Multiple Times And Sent In Letters Monthly Since XX/XX/2019 In Regards To Hard Inquiries Reporting. These Hard Inquiries Have Caused Me To Be At A Standstill With My Home-buying Process. I Have Also Reported That My XXXX Account Has Been Verified Over The Phone By XXXX As Accidentally Reported 30 Days Late. XXXX Removed Late Fee, But It Is Still Showing Up Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling me. Asking me to verify information. I have kept blocking them as well as changing my mobile number. I have called my mobile provider to block them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Mr Cooper effective XX/XX/2019. I made XXXX and XXXX payment. I sent up autopay with my bank for the XX/XX/2019 payment and due to a technical issue the XXXX payment did not get processed. I was unaware that the payment had not been sent. Upon notice that Mr Cooper had not received a payment I immediately sent the XXXX and the XXXX payment. I called Mr Cooper to see if I could resolve the situation and they said they didn't care if it was a bank problem or not and they were reporting the late payment to the credit agencies. This dropped my credit score 70 points and I am unable to refinance this property. The current rate is 6.875. 
Auto pay is working and there have been no late payment nor will there be. Since this occurred right have a transfer can this be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing ( a.k.a. XXXX ) refuses to remove PMI. Our loan to value is now 59.2 %. Lakeview Loan Servicing ( a.k.a. XXXX ) states that they will continue to charge PMI until XX/XX/2021. All written requests for cancellation of the PMI have been acknowledged with a request for {$500.00} to remove the PMI. We consider this tactic a denial of our request.

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 2019-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have asked this company multiple times in letters going back from last year to verify that these accounts are mine and to send me proof that i owe them the money they are asking. they have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are Equifax, XXXX, and XXXX. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: BB&T CORPORATION
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:
I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 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
Consumer complaint received 2020-06-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD bank has harassed and discriminated against me as as a mortgagee. I have {$170000.00} 30 year 5.125 mortgage loan with TD Bank. The loan amount was $ XXXX/mo. The mortgage balance as of XX/XX/XXXX is {$150000.00}. On XX/XX/XXXX TD Bank cancelled the escrow account. The escrow account balance was overpaid in the amount of {$550.00} by the mortgagee as of XX/XX/XXXX and is still overpaid by {$550.00}. All Real estate taxes and Home owners insurance have been paid in full by mortgagee XXXX XXXX since XX/XX/XXXX. 

Each month the mortgagee paid the mortgage timely and correctly. The mortgage amount is XXXX/mo. The {$1000.00} has been paid and received by TD Bank. {$51000.00} has been paid to TD Bank since XX/XX/XXXX. 

TD Bank list the escrow account currently as overpaid by {$550.00}. ( document Attached ) TD Bank incorrectly made the escrow overpayment by the mortgagee an amount owed. TD bank wrongfully list the monthly mortgage amount as {$1100.00}. Mr. XXXX has obtained a letter from TD Bank listing the overpayment by Mr. XXXX of {$550.00} ( document attached ). All payments have been listed as late due to the error by TD Bank! XXXX XXXX TD banks attorney, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all have been contacted and written concerning this matter ( TD Banks Officer 's and staff ). The same information and more have been provided. 

TD Bank list a past due amount of {$53000.00} as of XX/XX/XXXX. Late fee of {$54.00} X 44= XXXX. 

XXXX XXXX has filed two complaints with the credit agencies. TD bank changed the amount from {$1100.00} reported to the agencies to {$1000.00} for some months but did not correct the entire situation. TD bank started with the incorrect amount of {$2100.00} on the credit report for XX/XX/XXXX. Did not list any amounts received! Then TD Bank applied a default amount with the credit agencies in an attempt to get back to the same number they started with. 

TD bank has discriminated against me. The escrow account was eliminated and was overpaid at the date of the termination. TD bank owes me {$550.00} for the overpayment of the escrow account. TD Bank has charged unwarranted late fees and other fees. No mortgage payments were late and or missed.

Company response to consumer: Closed with explanation