BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist has been overcharging me. They increased my escrow back in XX/XX/2022, but my taxes did not increase nor did my insurance. I verified this with the city , county, and insurance company. Truist 's own tax department confirmed that Truist made a mistake and should not be overcharging me. however, Truist continues to overcharge me, and the company completely ignores my calls and emails. Customers are made to wait on hold for 1+ hours each time we call. The " client advocacy '' department never ever picks up the phone or calls back. This is illegal for Truist to increase my escrow and overcharge me. I have already submitted a complaint to the XXXX but they still haven't dealt with the issue. I have also complained to FDIC but they referred me to you. 
This is not the first issue I've had with Truist. their online system was broken for months and wasn't properly processing my mortgage payments. once again, I couldn't reach anyone by phone, and their online chat function doesn't work. instead of fixing the issue, they kept showing my mortgage as " late '' despite me trying to pay every month online and their system being broken. they are the WORST bank I have ever dealt with. Why are you allowing them to treat customers this way? They are literally stealing my money and getting away with it, and I have no recourse! 
Truist keeps telling me and the XXXX  that they're " working on it '', but nothing ever gets resolved or fixed. there's no point of contact, and no one I speak with has any information on the resolution. i'm so exhausted from spending so many hours on this simple issue they refuse to correct.

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 2019-10-06
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked the bank to stop taking out my hazard insurance from my escrow. They closed my escrow account, sent me a check for the full escrow which I returned the next day. After four ( 4 ) phone calls they still have not reopened my escrow account and have not paid my school taxes which were due on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calling and try to talk to my relatives although i said i have no longer get in touch with them. Called my business phone number and my wife. I know they are debt collector although they have not state who they are. I asked them, do you know who am i, they said no, without knowing who you calling, and to my business, it's harassment. By law, Harassment is governed by state laws, is generally defined as a course of conduct which annoys, threatens, intimidates, alarms, or puts a person in fear of their safety.

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 2023-01-25
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Experian Information Solutions 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:
I have been trying to correct XXXX  experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by Experian or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.

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 2023-04-07
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Navient Solutions, LLC.
State: MA
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:
I tried disputing a 90 Day late charges from Navient for 8 of my loans which started XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Navient via phone to request that I have moved to a different address and that I have never faulted on my student loans which i was never aware that it was starting. On XX/XX/XXXX, I again requested to talk to someone and finally reached someone that told me to write a dispute letter. My payments were never late as I have made payments every month since XX/XX/XXXX and I even sent them documentations proving I was unaware of the loans starting in the attachment below. I have nicely asked Navient to remove the 90+ day late and report them to the credit bureaus to fix all these issues three times and have included multiple times with evidence. They ruined my credit score and I would really like to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX Disputed inaccurate late payments with Equifax for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 60 days late ) *XXXX  acct XXXX $ XXXX ) XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 60 days late ), XXXX ( 60 days late ) & XXXX ( XXXX late ) *XXXX  acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ). I never received dispute results or how this information was attained or verified. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, XXXX, & Equifax I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 noticed that BK OF AM have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested XXXX XXXX XXXX XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2018-03-06
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a statement with a {$1100.00} balance owed from some ficticious company that turned over account to them ... there is no such account for which I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NY
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:
To whom this may concern I been trying to resolve this issue with the department of education/nelnet with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 I bought Visa giftcard for the amount of {$500.00} at XXXX XXXX XXXX, and went to the XXXX to buy a money order with it. I swiped this subject card, and was told by the CSR that it did not go thru, try it again. I tried a few times, still it did not allow me to buy a money order. I returned home and call the Visa giftcard phone line at XXXX, and the recorded voice said it was loaded for {$500.00} and was redeemed on the same day, XX/XX/XXXX. 
I waited for the fund returned to the card. Money never returned to the subject card. Finally on XX/XX/XXXX, I claimed to Blackhawk Network who handled. On XX/XX/XXXX they replied to me by email saying that credit issued to my account was final!! I never received the new card with money nor {$500.00} in my subject card. The XXXX email crews stopped answering my emails. When each time I called XXXX ( from back of the card ), each one of them told me lies, saying the new card was shipped, wait a few more days, etc. Now when I called this number about my subject card, it said it no longer phone support and hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX  will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at XXXX report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give XXXX credit for following the law and doing whats right! 
Experian XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today

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 2022-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: LEXISNEXIS
State: NH
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:
Nexus Lexus continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but XXXX has not, even after documents, and several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX we closed on your new home. The initial loan amount with SecurityNational Mortgage Company was {>= $1,000,000}. On XX/XX/XXXX I made a {$1000.00} principal payment. SNMC sent me a monthly statement that shows this payment. In XXXX my loan was transferred to a new servicer for {>= $1,000,000}. The new servicer ( XXXX XXXX XXXX ) claims they can not post new payments on the account because SNMC has not forwarded them the previous payment. SNMC is therefore preventing me to pay off my loan early.

I reached out to SNMC multiple times. They first told me all the payments were forwarded. I called again today XX/XX/XXXX and they mentioned a request started XX/XX/XXXX to their accounting department and advised me it takes accounting 3 weeks for those payments to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account online on XX/XX/XXXX with an online bank transfer of XXXX . I received a XXXX deposit of {$800.00} on XX/XX/XXXX, and an ACH deposit of {$1400.00} on XX/XX/XXXX. I paid a credit card and sent money to my XXXX account at which point a hold was put on the account. On XX/XX/XXXX I tried to verify over the phone to clear the transfer, but was told I couldnt be verified. So I told them I would go to a branch, which I did on XX/XX/XXXX with multiple forms of ID, including a passport card, Drivers License, and credit cards. I went to the XXXX, FL branch and saw XXXX, he said he couldnt help me and the bank wasnt giving him any information and then let me talk to the person on the phone, who then said they could verify me through my Citibank App. I went in once again on XX/XX/XXXX and saw XXXX for the first time with my the same IDs and my Citibank card and the pin code. He told me there was no money in the account, and as of XX/XX/XXXX all of the funds were withdrawn from the account. He said he couldnt help me though, the account was still under back office review. I then left and called the fraud department, and they said that they were terminating our banking relationship so I expected to receive a check in the mail. I then received a letter telling me my account was being closed for identity theft on Monday XX/XX/XXXX. I called and eventually, after being told to call many different departments, was sent to the incident reporting unit, where I talked with XXXX. She said if I was to go into the branch just one more time they would be able to modify the account. I went to the branch that Friday, XX/XX/XXXX, with my IDs and my Citibank card and saw XXXX again at XXXX  instruction. XXXX called the incident reporting unit, asking to disburse the funds or turn the account on and was told I needed to send an email concerning the account details, which I did immediately. I was told to call in 1-2 days, which I did on Monday XX/XX/XXXX. I did not receive any responses from them. I called and was told I needed to fill out an identity theft affidavit, which they were sending. They didnt send immediately, so I called and they said the request was in. They didnt send it for a week, so I called and they sent it within the hour on XX/XX/XXXX. I immediately filled it out and sent it back. I called back today and he said he couldnt find any bank communications or the emails I have sent to XXXX. Ive called them more times than I can remember, Ive visited them three times with my identification, and this has been going on since XX/XX/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