BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We had just bought our truck in XX/XX/2017 and had made 2 payments on it before hurricane Harvey hit our area. We had several leaks in the house so my husband called 5th 3rd bank to see about deferring the payments so we could have some extra money to patch up the leaks. The bank agreed to defer the payments for 2 months XXXX and XXXX. My husband filled out the paperwork and faxed it to them but apparently it was filled out wrong and we were never notified of the issue until after the truck was repossessed the night of XX/XX/2017. My husband contacted 5th 3rd bank on XX/XX/XXXX and got the details about the paper work not being filled out right and because of that they didn't process it for 2 months of deferred payments. The bank stated that if we brought the loan up to current payment status they wouldn't defer the payments for XXXX and XXXX and it would be counted as regular payments for XXXX and XXXX and also it wouldn't be reported on our credit reports. Right away we got the money together to make the payments current and paid the repossession fees to get the truck out. After all that we thought everything was fine. Well we went to apply for a home equity loan last week and was declined because the credit report showed the repossession mark. My husband called 5th 3rd bank inquiring about the repossession mark and they referred us to this website. I would the like repossession mark and delinquent payments to come off our credit reports since we were told it wouldn't be reported in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry :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
Consumer complaint received 2021-01-22
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 First dispute was sent to Equifax about inaccurate information being reported on my account. They responded but with just an automated response and still the information is inaccurately being reported on my account even after my follow up on XX/XX/XXXX and again XX/XX/XXXX XXXX XXXX XXXX Account Number : Date of first delinquency was updated to XX/XX/XXXX but your verification does not show account history with XX/XX/XXXX in fact your report says it has 6 month received but only showing 4 months with XX/XX/XXXX showing 30 days. This account needs to be removed for incomplete and inaccurate reporting. 

XXXX High balance amount was changed from {$420.00} to {$460.00} and not reporting a Charge off amount. How would the High balance now be {$460.00} and not even reporting a charge off amount. Also you have the date of 1st delinquency as XX/XX/XXXX but your payment history only shows XX/XX/XXXX 30 - XX/XX/XXXX 60 - XX/XX/XXXX 90 - XX/XX/XXXX and XX/XX/XXXX 120 days XX/XX/XXXX XXXX and XX/XX/XXXX 150 days. So how do you even get a date of 1st delinquency of XX/XX/XXXX. This account is obviously inaccurate even after your verification and I ask you to please remove the inaccurate account immediately. 

XXXX This account is showing a charge of {$11000.00} with a balance owed of {$11000.00}. How can these amounts be different and in your verification you sent the date of last payment of XX/XX/XXXX shows actual payment of {$0.00} which is also incorrect. This account is incomplete and inaccurate and needs to be removed immediately XXXX This account shows a date of first delinquency of XX/XX/XXXX but also reporting charged off on XX/XX/XXXX and the account history you sent shows it being charged off on XX/XX/XXXX which does not make any sense. This account is clearly inaccurate and needs to be removed immediately. 

XXXX XXXX high balance XXXX This account is unverifiable, you sent a response with account history showing month received 59 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

XXXX XXXX High balance XXXX This account is unverifiable, you sent a response with account history showing month received 73 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

The automated responses are obviously not correcting the account and have not been properly reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the XXXX  you have XXXX  days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: JPMORGAN CHASE & CO.
State: OH
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:
XXXX XXXX XXXX has charged my card every year {$25.00} without my knowledge. I agreed to pay one year, many, many years ago. They recently charged {$25.00} which is the first time I realized this was charged to my account without my knowledge. My husband called and they said they will refund the most recent annual charge. They told my husband that theyve charged our card every year. We had no knowledge of this. This happened to my elderly mother as well and she has never agreed to the charge either. Seems to be illegal or theyre running some sort of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a freeze online on my Experian Credit File. After entering all the requested information, I was told they were unable to place a security freeze based on the information I entered. I tried again with the same result. They want me to mail them at a P O Box my name, ssn, dob, address, a copy of my driver 's license, a utility bill, and a bank statement in order to process the freeze. ( To protect my personal information, they will not return the correspondence. ) In contrast, I froze the other two bureaus online in a matter of minutes by giving the same information.

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 2023-06-01
Company: Advanced Resolution Services Inc.
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: Reporting company used your report improperly

Complaint:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JPMorgan Chase & Co is failing to properly service my mortgage loan as they have performed an invalid Escrow Analysis on XX/XX/XXXX. They are including a County Tax payment which will not occur as it has been prepaid. Escrow is scheduled to be more than {$5600.00} over-collected over the next year. I have provided evidence that the analysis is in error when I originally advised them of the issue on XX/XX/XXXX. Servicer agrees that it is in error. The servicer advises that the escrow analysis would be re-processed by XX/XX/XXXX. As of XXXX EST on XX/XX/XXXX the analysis is still not complete. Servicer is breaching their duties and obligations by failing to properly provide correct analysis in the first place, and they are also failing to complete a timely revised analysis providing mortgager sufficient time to review and object to new potentially incorrect payment taking place effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
53rd mailed me a solicitation for a {$550.00} bonus promotion ( see attached promotion ). I met with a local bank representative, XXXX XXXX, who encouraged me to bring in an extra {$15000.00} to meet the full bonus, which I did. She stated it would not be a problem having it applied. After waiting 90 days, I noticed only one of the bonuses for {$250.00} was applied. I then tried to call and email them for months. They didn't answer their phones, return emails, or even respond to requests from their Customer Service to call me back ( see attached correspondence ). After many months, I was finally able to reach the branch manager, XXXX XXXX, when they directly connected me to her. She incorrectly stated the balance fell below $ XXXX for " several days '', so the promotion would not be honored, but would research it and I would not have to follow-up. Again I didn't hear back for months. The balance was only below $ XXXX by {$55.00} for a few hours on XX/XX/2020 because a third-party, XXXX, did an authorized debit that was instantly returned the same day on XX/XX/2020 ( see attached screenshot ), but 53rd applied it the next day. They've used that as an excuse not to honor their promotion, even though I've kept $ XXXX in the account for 16 months without any interest paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-19
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased some products from XXXX in maybe XX/XX/XXXX, I returned items as they did not fit, In XX/XX/XXXX they placed a collection on my credit report. I sent them verification and it was removed. I found today that it has been placed back on my credit report and re-aged. This is a violation of Fair credit  reporting. Also under NC law an item over three years in non-collectable. I contacted the collection agency and they refused to send me any documentation with my signature and /or a contract with the collection agency that I agreed to pay them or entered into a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: CA
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:
My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on Equifax and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for XXXX. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by la XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: United Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call was placed to number and stated " stop all calls on all accounts. '' Calls were received from this number on the following dates and times. 

XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX After each call to my cell phone, a call from this number was immediately received by a friend on their cell phone in which they stated this was an attempt to collect a debt. Each call to my family and friends requested a call back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CITIBANK, N.A.
State: CA
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:
Hello, I have an account with Citibank institution. On XX/XX/2017 I issued a check to XXXX XXXX XXXX for the amount of {$1600.00} for my health insurance. A week or two later once at my Doctor 's office, it was brought to my attention that I had no heath coverage and than my insurance was cancelled. It turns out that my check never made it to its destination rather someone endorsed my check to themselves at a XXXX XXXX XXXXXXXX location. Unfortunately, I have still not recovered the funds from Citibank even though it has been past 90 days which is the estimated time to investigate. I have been given the run around and I need to get my money back. I would greatly appreciate your assistance in this matter.

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 2019-06-03
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my Nationstar mortgage on XX/XX/2019. Since then I have been unable to get my escrow funds refunded. 
Questions that they refuse to answer include : > What amount was applied to principal to pay off my loan? 
> What amount was applied to my final loan interest? 
> How much can I expect to get as a refund? 
> Why was I charged an extra {$35.00}? 
> When can I expect to get my money? 
> Do you intend to pay interest on these funds because you kept them for so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: AZ
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 writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from Experian, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.

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 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

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