BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every time I file a complaint against Equifax to complain about the constant mishandling of my file and the rude and discriminatory treatment I receive from its employess Equifax restricts my access to be able to view or dispute inaccurate information in my credit file. 

They continue to take my rights away to view my credit information. I have to sit on very long hold times and have to be dealt with in a very disrespectful and rude manner. Equifax send a generic response to call a certain number but I never receive the level of service I deserve as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is related to previous complaints that I submitted to the CFPB on XX/XX/XXXX ( Complaint # XXXX ) and on XX/XX/XXXX ( Complaint # XXXX ). 

After I submitted the first complaint, the company, Specialized Loan Servicing ( SLS ) replied with an unacceptable response and failed to correct the problem that it created. CFPB suggested that I submit a second complaint, so I did so on XX/XX/XXXX. I am waiting to receive a response from SLs regarding my second complaint. 

On XX/XX/XXXX, I contacted SLS directly regarding a notice that I received from the company dated XX/XX/XXXX. The notice was a Notice of Default and Notice of Intent to Foreclose. According to the notice, my mortgage is in arrears. That statement is incorrect. I have never been 30-days past due on my mortgage. 

When I contacted SLS on XX/XX/XXXX, I spoke with a representative named XXXX in the Escalation Department at ( XXXX ) XXXX. After reviewing my account, XXXX confirmed that an escrow account for my hazard insurance was created for me in error by Specialized Loan Servicing and that a portion of my XX/XX/XXXX mortgage payment was applied to that escrow account, thereby reducing the mortgage payment that I made in XXXX. My XX/XX/XXXX payment was then placed in suspense because the remaining funds of my mortgage payment could not be applied. The same processing error occurred again in XXXX of XXXX, when I made my usual, ( and correct ), mortgage payment. The representative acknowledged that I am not in default of my mortgage and that Specialized Loan Servicing will need to remove the escrow account that it created in error and reverse any payments and charges that were erroneously applied by SLS, so that my XXXX and XX/XX/XXXX mortgage payments can be correctly applied. The representative could not give me a date by which SLS would correct its error on my mortgage account. 

When speaking with the Escalation Department representative, XXXX, I requested that SLS provide me with written confirmation that 1 ) The escrow account has been closed and that all fees and payments have been reversed and that 2 ) The foreclosure notice has been invalidated. 

The Escalation Department representative stated that the written confirmation that I requested is not normal procedure for SLS, so I would need to write the company directly to specifically request such written confirmation. For this reason, I am filing this new complaint to request CFPB 's assistance in obtaining the requested written confirmations from Specialized Loan Servicing as soon as possible.

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 2018-10-02
Company: Mnet 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: Account status incorrect

Complaint:
A medical bill collection company will not update my credit bureau report with accurate information for my account. 

The company in question is : MNET Financial INC, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX This was a collection account for a hospital medical bill. 

This account was paid in full in XX/XX/2018. 

Since paying off this account, I have called the company numerous times in XXXX, XXXX, and XX/XX/2018 I have spoken directly to XXXX, XXXX, and XXXX. 

I have also written to the company to request that my credit bureau entry be updated to a XXXX balance and the account be marked closed. 

When I call and talk to them, each person I talk to will pull up my account and will acknowledge that the account has been paid in full and claim that they will take the appropriate action to update the credit report within a 30 day time period. 

Yet, the result of each of these inquires has resulted in them taking no action to update my credit report with the correct information. 

The original account amount was {$1600.00}. I paid the balance to {$0.00} in XX/XX/2018, Yet they still show that I owe {$390.00} on XXXX Credit report. 

I have contacted XXXX, via certified mail, and added a dispute to the entry through XXXX customer service. 

The action I am seeking is for them to properly update the credit bureau entry to a XXXX balance and to show the account paid in full and closed.

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, XXXX  AND TRANSUNION )

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 2021-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call around XXXX XXXX  a couple of months ago regarding my ex-husband 's wife 's mortgage account with Carrington Mortgage. Informed the company of the situation and they said they would take my name and number off the list. Called Carrington Mortgage the next day and they said that I would have to talk to my ex-husband to have my phone number removed. Spoke to a supervisor and a very heated discussion and informed him that I had been divorced for 17 years and did not sign any paperwork on this mortgage and finally he agreed to remove my information. Last night XX/XX/2018 at XXXX received another call asking for her and informed them of the same information and the person hung up on me. Contacted my ex-husband and told him this need to stop and he said he would contact them on XX/XX/2018. He is not sure how they are getting my contact information. If you call the number back that is contacting me, it says that there is an account associated with my phone number and to enter the last four of the social security number. This is a mortgage on her family home that they purchased from her parents after they were married. I have nothing to do with this mortgage or signed any papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I received a letter that I didn't have to make my XXXX payment to fifth third bank, XXXX I received call from customer service that I owed {$70.00} when my minimum monthly payment due is {$35.00}. I was told I haven't made a payment since XX/XX/XXXX-which I dispute : I pay my bill monthly by money order. XXXX XXXX I've been getting harassing phone calls from customer service when I've already told them I will make payment on or before XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.

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 2020-09-02
Company: WELLS FARGO & COMPANY
State: MS
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2017-12-19
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.

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 2017-08-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX/XXXX/17 I called Home Shopping Network ( HSN ) at XXXX to order an item for {$49.00}. XXXX, the representative, told me if I opened an HSN credit card I could take {$40.00} off my total. I agreed and she processed my order. I then asked her what the interest rate was on the credit card. She replied that after we were finished, I should not hang up ; I would be transferred to a recorded message and terms would be disclosed. We finished and I did hear a recorded message about the account, but there was NO MENTION of the APR, or any other financial information about the account. Only when I received the card with the agreement in the mail did I learn the interest rate is 27.74 %.
I have attempted to email HSN at least ten times through different " Email Us '' links on their website, and using two different browsers. No email will go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the second month in a row, Bank of America has misapplied my mortgage payment to principal reduction instead of my monthly payment, even though I was using their online system correctly. When I called the customer service line to try to have their mistake corrected, I was placed on hold for 53 minutes before a representative answered my call. While speaking with her, the call was suddenly terminated. A recorded message played : " Due to extenuating circumstances, representatives are not able to take your call at this time. Please try your call again later. We apologize for the inconvenience. '' This is completely unacceptable. In a bank as large and profitable as Bank of America, a customer should be able to make his/her monthly mortgage payment in a straightforward way. In fact, once a loan is originated, the customer is captive to the servicer, and therefore, the loan servicer is obligated to provide the customer an error-free system for making payments. In the rare event an error occurs, the servicer needs to fix the problem with an apology to the customer. Furthermore, any system changes should not be disruptive to the customer. Instead, since Bank of America 's recent mortgage system change, I have experienced hassles and headache, now two months in a row. Bank of America 's system flaws are potentially harming me by making me late on a mortgage even though I have paid ahead. 
Please change my payment from principal reduction back to my monthly payment, as I designated in the online Payment function. Please fix your system issues that are causing these problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
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:
On XXXX XXXX, 2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, CITIBANK NA/THD add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX No contact information has been reported by this creditor.

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 2020-10-22
Company: National Credit Adjusters, LLC
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:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The debit card that on file was stolen and by the time i got it fixed the account went into collections. Tried to fix it but the people told me i was no longer able to do business with them anymore XXXX for XXXX

Company response to consumer: Closed with explanation