BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a good customer. No late payments, no issues. 
I called XX/XX/XXXX to pay my XX/XX/XXXX mortgage payment of {$1300.00}. I received no notice of an increase. It is a fixed mortgage. I've lived here for XXXX  years. Mortgage payments should be getting smaller, not larger. On XX/XX/XXXX, Select Portfolio Servicing informed me that my payment is now {$1500.00} - an increase of {$200.00} per month. 
I asked why, and after speaking with XXXX levels of support and spending the entire day trying to get to the bottom of this, a supervisor finally explained : XXXX. My taxes increased by {$180.00} for the year XXXX. My insurance increased by {$450.00} for the year ( which has since been corrected. I called my insurance company & that was a mistake. My insurance is actually lower than it was ) XXXX. That's a total of {$640.00} in increased escrow for the next XXXX  months. Last year, my escrow increased by {$420.00} & I paid it in a lump sum to avoid increasing my monthly mortgage payment. I told SPS I would do the same with the {$640.00}. 
XXXX. SPS said they were charging me {$640.00} PLUS and additional {$1100.00} for extra CUSHION, just in case!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX, I was notified by my credit union that there was a judgement filed against me for {$4500.00}. I was advised that it was in regards to an account with Citi Card. The account had been placed with XXXX XXXX. On XX/XX/XXXX, I had placed a call to Citi Card with the assistance of XXXX and was advised that they could not locate an account. I then spoke to their Collections Department and was advised that the account had been sold to XXXX XXXX in XX/XX/XXXX. I spoke to XXXX XXXX and was instructed to call the law office of XXXX XXXX. I spoke to XXXX at the law office, who just advised me that I needed to get a lawyer and that he would send me support of the debt. I was able to get the hold removed off of my bank account. The Citi account was not showing on my credit reports. I was given support of the account from the court. This account was opened on XX/XX/XXXX. The application showed my name as, XXXX XXXX XXXX. The date of birth was correct, as well as, my address. The application had a different phone number and wages listed. The documents I received from the court, showed my daughters address. Based off of the documents received, I was served papers at my daughters address. Neither, myself or my daughter received the packet. Somewhere along the line, the billing address was changed to an address that I never resided at. I have attempted to fight this with Citi Card, XXXX XXXX and XXXX XXXX. I have not received any support showing payments were being made and from my bank account. I have not received support showing the transactions incurred. This account was not opened by me or anyone else who I had given permission to do so. I have filed a police report, as well as, a report with the FTC.

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 2017-12-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a complaint to XXXX, XXXX and Equifax. about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX  authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC Collection For XXXX XXXX XXXX XXXX I have reached out to ERC about collection account. I explained, I paid this account in full. They should not be reporting it negatively to the 3 credit bureaus and they can verify the information by contact XXXX XXXX XXXX XXXX, and to please remove after the information is verify and they yet to complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A few months ago, I received several letters of notice from XXXX XXXX XXXX to my address with another person 's name ; each one I returned with - no such person at this address. Shortly thereafter, I began receiving phone calls from XXXX XXXX and Sunshine collections. Sometimes they leave a voice mail, sometimes not, but I receive between 7-12 calls per week. *** I have checked my credit report and verified that I have no outstanding debts listed. *** I am the XXXX for the Estate of XXXX XXXX XXXX, deceased XX/XX/2021, so these two creditors may be calling regarding his past due accounts, but they do not give me any information, other than a recording to call them back. Based on what little information I have, I believe the below are the accurate links to each company 's profile on the XXXX  website. 

Sunshine ( XXXX XXXX XXXXXXXX ) 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 2019-11-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX , OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH : ( 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 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a bit of a long story, but I will explain best. All the detailed information ( dates and notes ) can be attained through the itinerary number in the attached email. 

I have a Chase Sapphire reserve card, where I pay the premium fee for certain benefits. One of them is their travel insurance and travel booking features and points. I booked a flight via chase travel on XXXX XXXX to XXXX that cost about {$10000.00} for 2 business class round trip flights back on XX/XX/XXXX. The Covid lockdowns and restrictions at this time have not started. My wife the day prior to the flight fell XXXX  with XXXX and was absolutely not able to travel. I obviously had to cancel the trip and was promised that the travel insurance would cover this. I submitted all the medical documents and the travel insurance associated with Chase travel rewards, accepted the documents. After some time, as it was delayed, I was told that while the documentation was accepted, the refund would be issued as a travel credit to XXXX XXXX due to XXXX XXXX travel policy. After about 4 months of fighting this and spending hrs on the phone, it was clear I was cheated out as using XXXX XXXX travel credit was not going to happen. The insurance company clearly did not want to pay, so they sent the bourdon to XXXX XXXX to pay. Needless to say, I received an email finally on XXXX, XXXX stating that my refund will be processed and it will take 2 billing cycles to process. I've called many times during that period and most of the calls it seems that they will not process, even though it is in writing that it was approved. It is now almost XXXX, XXXX! I did speak to one friendly leady who did say she will take care of it and get it to process, but nothing after, and when I called to check the status, they said no refund is set to process. It is clear they want to keep my money, place blame on other departments and not pay. This process has been a year and a half battle of talking to them, reaching out to various legislatures, media, and so on that lead to no where. I have also incurred quite large bill of interest payments I've had to make on that {$10000.00}. 

Thank you and Please Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: IL
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:
EXPERIAN, XXXX and XXXX is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS YOUR AUTHORTY? These companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that XXXX did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? XXXX closed my recent dispute without providing a reason. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX I have never heard of this company why are these companies allowing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2018 I received Letter confirmation from XXXX  XXXX XXXX after reviewed and found Fraud on my Card Applied for Unauthorized Increase line limit, so XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX to REMOVE the Unauthorized Hard Inquiry Made on My Report - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 the above Hard inquiry date i have seen only on my Report of TRANSUNION, so i'm make this complaint cause TransUnion doesn't response on my previews mail has sent to them, they should little care about customer Credit but they didn't so i attached 2 letters from XXXX  XXXX XXXX and they already notified all of XXXX XXXX XXXX XXXX according wrote in letter and this is to confirm they remove this Unauthorized Hard Inquiry Made on My Report Please i hope this time TransUnion Response and little care about customer Establishing Credit

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 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant text messages that tell me to call MRS BPO debt collection. The debt is not described ; I call and no one answers. 

They offer an online contact portal, but all it seems to do is try and funnel me into divulging personal information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a Negative XXXX XXXX account that's on my credit report for 1 1/2 year now. Experian states " This account is scheduled to continue on record until XX/XX/2019 ''. It is XX/XX/2019 and it reported this month I want it Removed within 15 days off my credit report. I uploaded poof in the picture that Experian need to remove it.

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 2019-11-05
Company: PNC Bank N.A.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When paying off my loan, PNC has processes designed to make it inconvenient for the consumer to pay off the mortgage.

1 ) Payoff can not be completed on-line ( but any other type of payment is allowed ) 2 ) Automatic payments are cancelled without notice to the consumer when the loan balance is less than the monthly payment.

3 ) The last payment for the loan can not be paid via automatic payment and this limitation is not communicated to the consumer at origination.

4 ) The final payment must be a check, cashier 's check, or some other physical form of payment. 

When I called and spoke to XXXX, I asked why normal payment procedures do not apply to the final payment, I was told that it's because that payment does to a different department and triggers the lean release. This is an internal procedure that should not be visible to or impact the consumer in any way. 

I submit that they intentionally discourage paying off the loan to collect more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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

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 2023-03-20
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 I went in person to Truist Bank to verify my identity & open a new account. I made a XXXX transfer of {$100.00} from my XXXX account to the Truist checking account on the same date & 2 mobile deposits on the XXXX XXXX XXXX ; one deposit of {$500.00} to the savings, one deposit of {$500.00} to the savings. My account was marked for fraud & closed. I talked on the phone from XXXX CST to resolve the problem & was denied access to reopen my account & haven't been told where my deposits would go. This definitely is starting to feel like a problem with my ethnic/national/hereditary background. I need help with this matter as I am experiencing discrimination without cause or merit.

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 2021-11-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to FCO and Attorney General of Texas complaint.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion is reporting inquiries on my credit report that I did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have requested TransUnion to remove these inquiries on two separate occasions. I am requesting your assistance in having this incorrect information from my credit report as it is impacting my credit score. 

Thank you

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 2019-11-05
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:
Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with non-monetary relief