BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Fay Servicing, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My husband died in XXXX I was left with too many bills for me to handle alone. I filed bankruptcy in XXXX chapter 13 And because our home was only in my husbands name XXXX gave me a really hard time and was attempting to foreclose on my home. After completing the bankruptcy in XXXX and finally getting a modification my loan was placed with Fay servicing for payment. 
Since then Ive worked on my credit and raised my score considerably, however Fay servicing has refused over and over again to report my on time payments for the past 5 yrs In the beginning they said they thought I filed a chapter 7, so I sent in a copy of my filing to prove it was a ch 13. Then they said because I filed a chapter 7 in XXXX Before my name was on the Morgage and my husband and I were separated and living apart They determined that they would not report to the 3 credit bureaus. 
However 2 months ago because I sent them proof my name was not on the Morgage until XXXX and I filed a Ch13 in XXXX they told me they would begin reporting and they were sorry about the era. 
Now we are back to square 1 again~ Please help me ~ Ive talked to an attorney and was informed what they are doing is not ethical at allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi credit card improperly closed my account on XX/XX/XXXX and will not allow me to reopen it and have rejected my application for a new card. Details below : I recently changed banks and added my new bank account information to my Citi credit card account so I can pay my bills. When adding the new bank account number, I mistyped the account number by one digit ( according to the sales representative from Citi who I spoke with on XX/XX/XXXX ), which led to three consecutive scheduled payments to be rejected within 24 hours one for {$380.00}, {$130.00}, and {$7200.00}. The reason for three scheduled payments is because my husband and I split the bills and I miscalculated the total amount we each owed a few times, leading me to add on additional payment amounts from the same account. 

There was nothing fraudulent or nefarious here, just a sleep-deprived, new mom trying to pay my bills and made a *simple* typo in the account number that anyone could make. As soon as I learned of the typo, I corrected it and made the proper payments. 

The typo and subsequent rejection of payments led to me triggering something in the Citi system to automatically close my account on XX/XX/XXXX. I didnt receive any warning saying e.g., weve noticed issues with your payment, please correct this in order to keep your account open. Citi simply shut down my account. The sales representative I spoke to on XX/XX/XXXX indicated that they were unable to reopen my account and unable to override the system to allow me to open a new account. So, I am now XXXX from Citi for an undefined period of time for the simplest of mistakes. I have never missed a payment with Citi and I have never even run a balance month to month. As a loyal customer, I deserve better treatment than this.

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 2022-02-01
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$3500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Optimum Outcomes, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They use an automated calling system that states they are calling to collect a debt, and use my full name. The message then says if you are not this person please hang up and do not listen to the message. They repeat my name. Where is the privacy? They also called me at XXXX on a SATURDAY. My name alone should be the biggest indicator that I am or could be XXXX and it's the XXXX. If they are truly calling for me, for a debt I owe, than regardless of my phone number, they should know I live on the west coast.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Original Loan XXXX XXXX XXXX Refinanced XXXX Carrington Mortgage Services LLC Judge Ruling XXXX Legal Fees Assessed XXXX XXXX Filed XX/XX/XXXX I filed for XXXX and was 5 months behind on mortgage when I received XXXX. The loan was sold during foreclosure. I attempted to bring the payments current but mortgage company refused, demanding full balance and started foreclosure. 
I obtained legal service through XXXXXXXX XXXX XXXXXXXX XXXX, which I was exempt from paying for any legal fees due to my income/disability. 
The judge dismissed the case, no prevailing parties and I was to pay for my own legal fees. 
A loan modification was done and debit authorization for mortgage payment. Mortgage company assessed legal fees and placed on my mortgage statement as past due. This does show on my credit report. The assessed legal fees are ridiculously high and no proof of their fees from their attorney and/or filing fees or court costs except what they want to charge. 
Please see the attached original mortgage loan, judge ruling stipulation and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Possible Financial Inc
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A financial company by the name XXXX XXXX has added a negative report to my credit report without my knowing the loan exists. The loan is in the amount of {$500.00} and it continues to accrue interest. I can not reach any XXXX of the companys employees to help solve this issue. 
I need help to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank moves my charges around to charge excessive fees. Many times they will move pending charges and keep only the smaller fees pending to charge multiple fees. Also company allowing unauthorized debit of XXXX. And it caused many fees. They will lot reimburse these fees even though its determined to be unauthorized. The fees are very excessive totaling over XXXX in the last few months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Commonwealth Financial Systems, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accountsXX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ...XX/XX/XXXX ( Original Creditor :XX/XX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: RGS Financial, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a dispute to the credit bureaus asking them to investigate information that is being reported on my credit report. 

After 30 days and no response from any credit bureaus, I sent a second letter informing the bureaus that 30 days has passed without any information and by law the accounts must be removed.

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 2019-03-31
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: Their investigation did not fix an error on your report

Complaint:
I am formally writing this letter of complaint to you in regards to Equifax Credit Bureau. Equifax violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 )  certified requests for Equifax to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines. The accounts that I have asked for proof are as follows : XXXX acct # XXXX amount {$2000.00}, XXXX XXXX acct # XXXX amount {$200.00}, XXXX 's Acct # XXXX amount {$730.00}, XXXX XXXX Acct XXXX XXXX amount {$730.00}. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Equifax is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Equifax. Due to the negligence of Equifax failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Equifax immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request is not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Equifax. Thank you for time and look forward to this negative impact to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX we called XXXX XXXX  ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XX/XX/XXXX but they told us not to bc it was their error! ) has left us unable to get approved.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by Transunion but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by Transunion by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since XXXX and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX Transunion 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 non-monetary relief
Consumer complaint received 2020-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited my payroll check in XXXX atm on XX/XX/XXXX for {$570.00} and it cleared and was deposited on XXXX XXXXXXXX.i spent the {$570.00}. Then XXXX I deposited my payroll check for XXXX and it cleared and was deposited on XXXX. Then XXXX my payroll was direct deposited into my account and was cleared.i paid bills and was lefted with {$330.00} in my account on XXXX, on XXXX my account was overdrawn by {$810.00} when I called to see what was going on, they told me they placed a 10 day hold on both of the ATM deposits.after calling 4 different departments and locations one of them let it slip that no one picked the checks up from the ATM till XXXX so my first deposit was lefted in the ATM for 14 days and now I have to wait another 10 days to access the money that is already spent because it was cleared 24 days before I will be able to access it. On top of that I have to put a stop to my direct deposit coming on XXXX for {$520.00} because they will put that towards the overdrawn amount of {$810.00} still leaving me negative {$290.00}. I wont be able to access my money till XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted TransUnion and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.

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 2020-07-24
Company: EQUIFAX, INC.
State: PR
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:
Equifax show wrong information in one of my closed accounts. The are not available online neither by phone to clear the invalid credit increase in one of my credit account closed on 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Receivables Management System is attempting to collect on a debt that is not owed by me. 1. This company has NOT sent any information to my address.2. This company does not have my correct information.3. This company is NOT registered to collect a debt in my state of Texas.4. This "debt buyer" company HAS reporting information on my credit report "a collection" and is attempting to collect illegally.I sent RMS a certified letter with return receipt regarding this matter. RMS has 30 days to remove this collection or will face legal action and will be sued under the FDCPA.I want CFPB to find out why this company willfully breaks the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I contacted TransUnion and XXXX regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave TransUnion or XXXX  any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal Law.

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