BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-12-08
Company: UNITED BANKSHARES, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/XXXX I received an automated call from United Bank, Incs fraud department informing me of fraudulent transactions. After reviewing my online banking, I confirmed XXXX purchases of {$29.00}. After confirmation, I was switched to a representative over the phone who closed my card and instructed me to contact my local branch. 
I spoke with XXXX, the branch manager of the XXXX office who told me I had to wait for the transactions to POST before I could begin the process of disputing the transactions. 
All but one transaction had POSTED by Monday and after speaking with XXXX, I was informed that the last transaction needed to post before anything could be done. On Tuesday, XX/XX/XXXX, I completed the paperwork and was told once the fraud department received my documents, the bank had 10 days to investigate. This would put my account short of {$300.00} for more than 15 days. This is unacceptable! If United Banks fraud department caught these transactions, then why is the process and burden being put on the consumer? Regulation E states that financial institutions have 10 days to return funds or provide provisional credit, United is delaying this process. 
The transactions should have been blocked and IMMEDIATELY begun investigation. 
United Banks privacy policy also states it will protect consumers funds. Where is the protection? 
United Bank , Inc only cares about its bottom line, not their consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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 did not apply or give permission to any creditor on my report to run my credit the XXXX use of my information compromise and I provide these inquiries was done with my consent and I would like to have this matter resolved with XXXX this with be my second time complaining regard this matter the first complainant was in XXXX of 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 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 2018-12-07
Company: Capio Partners, LLC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The hospital never submitted an invoice to my insurance company, and they eventually sent it to a dept collector, i reached out to the dept collection agency and disputed this bill, since my insurance would pay any bill 100 % complete. 

I spoke to my insurance company and they have reached out to the hospital 's billing dept to back pay this bill, and i've requested for the dept collector to remove it and they refused to until, they receive a written agreement from XXXX XXXX. 

They have severally damaged my credit behind this matter. I just recently realized this XX/XX/XXXX bill was not token care of, but only because of my credit report. 

I've disputed this matter numerous of times within XX/XX/XXXX year via XXXX, XXXX, XXXX, etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to Equifax and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The closing company and I have been trying to get a payoff statement on my townhouse from Shellpoint Mortgage Servicing. The request was made on XX/XX/2020 and as of XX/XX/2020 we still do not have a payoff statement. I closed on my townhouse on XX/XX/2020. However, since we haven't received a payoff statement the money is sitting in an escrow account waiting for the statement before the funds can be distributed which cost me an extra {$400.00} at closing. I have called Shellpoint Mortgage Servicing almost every day complaining, and I keep getting excuses like it takes 3 weeks, the computer says, " waiting for fees, there was an error, and even it is being sent. I am very frustrated. I am an older lady and never in my life have I dealt with a company so incompetent. Someone needs to look into why Shellpoint Mortgage is still allowed to services mortgages. A payoff should part of their normal business processes and not be this difficult.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Thank you, 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 2020-07-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My application for a credit card was denied by WellsFargo due to my national origin ( not a U.S citizen ) which is contrary to the federal equal credit opportunity act. My application was solely denied due to my national origin, not due to a low credit score or any other valid reason. 

For the records, my credit score is excellent ( XXXX with XXXX and XXXX ). I am a legal resident XXXX  in the U.S, and WellsFargo was the first bank I opened an account. To be denied by the same bank due to my XXXX orientation and national origin is totally unacceptable and contrary to the conduct of the bureau of consumer financial protection and the federal equal credit opportunity act.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Phoenix Financial Services LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX Phoenix Financial Services, LLC called at XXXX XXXX claiming I owed XXXX. I apologize that I dont remember the name of the lately I spoke with because it was never clearly stated to me. The debt I owed was also never clearly stated to me. I asked her simple questions regarding the debt. She told me it was from a ER visit back in XXXX. That visit was because I was XXXX assaulted but, was not going to go into those details with her. I kindly explained to her that I had visited that hospital on a couple different occasions and that they definitely has my health insurance card on file. She explained to me they didnt and even if they did it was to late to process the payment with the health insurance. I kindly told her I had never received record of this debt prior to to this conversation I had with her. She then told me yes you have we spoke on multiple different occasions. I let her know that was inaccurate and asked her how she got my phone number as I had changed it when I moved. She then proceeded to yell at me and say she was not going to continue this argument and that she would be reporting me to the credit agency. I let her know she could not do that because I never received any information regarding this bill and never knew I owed anything to the hospital because they had my health insurance card on file and never sent me a bill. I do not want to have contact with this company ever again. I asked them to not call my phone again however, they placed there account in collections on my credit report leaving me no choice to have to reach out to them again. I will not be harassed by a company who is bringing up a triggering time and now effecting my credit for a situation I never deserved to be in. Please, help me and get them off of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently applied for a Diamond Preferred credit card with Citi bank. The reason for applying was for the promotional balance transfer offer of no interest for 18 months. I read through all the fine print in my disclosure provided with the credit card as well as the disclosures when I applied for the card. There is no where in the disclosures that prohibit balance transfers from one citi card to another, however when I called to complete my balance transfer the MSR stated they could not do it from one Citi card to another Citi card. In addition, the MSR openly admitted that this restriction is not in the disclosures. Per Regulation Z, promotional offers and restrictions should be listed in the disclosure and they were not, which is misleading and deceptive according to UDAAP. In addition, this has caused a negative impact on my credit since I would not have applied for this card if this restriction was evident.

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 2021-12-08
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XX/XX/2021 FAY SERVICING SENT ME A NOTICE TO FORECLOSE ON MY HOME. THE LOAN WAS SOLD TO THEM 2 MONTHS AGO BY XXXX XXXX MORTGAGE WHO HAS SERVICED THE LOAN FOR 10 YEARS. DURING XXXX, XXXX XXXX THE PROPERTY WAS UNDER FORBEARANCE PLAN UNTIL 2 MONTHS AGO WHEN FAY SERVICING TOOK OVER THE LOAN. 

XXXX XXXX TOLD US THAT AT END OF THE FORBEARANCE, THE ENTIRE AMOUNT WILL BE MOVED TO THE END OF THE LOAN AND I AGREED. 

2 PAYMENTS HAVE BEEN MADE TO FAY SERVICING BUT I TRIED TO MAKE PAYMENTS AND ACCORDING TO THEM THEY CAN NOT ACCEPT PAYMENT BECAUSE THE HOUSE IS IN FORECLOSURE. THEY HAVE BEEN HARASSING ME AND IS AFFECTING MY HEALTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: NATIONS DIRECT MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been awarded XXXX to bring account current the payment was sent XX/XX/2023 at XXXX I've call my lender 1000 times and the keep saying the haven't received it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
According to my credit report, an inquiry on my XXXX was done on XX/XX/2022 from Bank of America. Apparently, someone applied for a credit card using my name and old address which resulted in me putting a credit freeze on my XXXX account. 

On XX/XX/2022, I contacted via phone the Bank of America ( XXXX ) at XXXX and explained to the customer service that I never applied for a credit card at all. The customer representative canceled and closed the account. There is no way of me knowing if the closed account occurred yet.

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 2020-05-09
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a lot to say here. I am at my wits end and what i read about this company both from cfpb and other customers has me really concerned. I had problems before the pandemic. I was behind. Before the loan transferred from XXXX i wrote certified letter which i have proof of telling them i was in the property and to contact me once my loan transferred. No one did. then XXXX  XXXX XXXX did and then i heard nothing. Yet they still did a property inspection on XXXX despite me letting them know i was in the property.I requested over and over again thru Ms XXXX by phone and by email what was needed for my review to complete it. nothing for weeks it was not until i escalated it that she got back to me and she calls me when i am not available or when i give her a time she does not say yes i will call and confirm and then she misses me. I still need CLARITY as to what is needed for the review. While i am actively trying to sell the home, i still want the review to go forward. I need loan modification papers now. here is the latest issue in addition to all else, needless property inspections, unanswered QWR and an account manager who does not do her job consistently and get back to me. i just got a paper saying the payment will go up to XXXX with a XXXX escrow shortage. there is no way i can do that. and i have never had such a high payment with such a high monthly amount. Also i have no idea where shortage is coming from the back amount i owe from being behind? since taxes have not gone up that much. I am also doing a property tax appeal now. I need answers. I need relief asap and a full explanation. I need answers to QWR as to why payment went up from XXXX to XXXX or so. I sent it nothing just like I sent that i was in the property and they still did needless inspections. I will never pay for those. In your answer you are going to answer me with a script saying that inspections are in the promissory note. not when you know where i am and when i have mde it known i am in the property which i did. Courts have found them to be arbitrary an capriicious. 
I need this escalated not nasty scripts back i need my case reassigned which ihave asked for over and over. Your reputation Fay servicing is not good and i will not lose my home or be hte victim of unscrupulous acts. I want out of the home as i have for years. i am working on that but i will not lose my time. i need an explanation asap on all and a loan mod and a review. pending selling this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

addresses not mine 

accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education

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 2021-11-12
Company: The Receivable Management Services LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received phone call at my personal cell phone number, saying the call was for me, and it was to resolve the debt of a third party and they needed my help getting in touch with the third party. I attempted to contact them to tell them not to contact me again but received no response and blocked the number.

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 2020-12-05
Company: SCA Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX my dispute letter was delivered to SCA Collection in order to dispute information I had seen on my credit report, I also requested a XXXX Original Issue Document From this alleged collection agency as of today it is XX/XX/XXXX and I still didn't receive any information on this alleged collection and I need it to remove both accounts from each credit bureau immediately the alleged Account numbers are XXXX and 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 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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