BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: CL Holdings 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:
XXXX XXXX shows on my credit as a new account opened up in XX/XX/2022 Never had XXXX XXXX I have XXXX two different accounts I have XXXX XXXX and have been reporting fraud no one seems to respond to me Please remove this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX I placed a deposit on a piece of furniture with a company via AMEX for {$1300.00}. Vendor said would ship in XX/XX/XXXX, then late said XXXX then XXXX, then vendor cut off communications and is refusing to answer. We contacted Amex and they are refusing to do anything in regards to a dispute. They in a nut shell : say tough luck and to bad for us. Spoke to them via chat and even got the " floor manager '' XXXX to deny us as well. Seems they don ; t mind continuing thier relationship with this vendor and helping them steal from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
There are 4 unauthorized hard inquiries reporting on my Transunion and XXXX XXXX reports from : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Experian Information Solutions 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:
The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, XXXX and experian is reporting this account. Yes I have notified them as well.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report that I do not recognize

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 2018-02-26
Company: Servis One, Inc., Titusville, PA Branch
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX Is my mortgage servicer. I written to them on XX/XX/XXXX asking for information regarding fees that has been charged to my account asking them to give me a written explanation on each fee because they have been charging my account every other month with a fee and sometimes two or three fees in one month. Fee, s that I have paid with out and explanation on XX/XX/XXXX {$35.00}, XX/XX/XXXX {$310.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX, {$190.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$950.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$390.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$83.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$62.00}, XX/XX/XXXX {$400.00},. This is a total of {$5200.00} cent, s. This company XXXX XXXX has only been the servicer of my mortgage since XX/XX/XXXX from XXXX XXXX XXXX they also played deceptive games with this loan. XXXX XXXX said on my XXXX from that I owe {$100000.00} I haven, t owed this amount since the year of XX/XX/XXXX my XXXX, s for XX/XX/XXXX and XX/XX/XXXX need to be corrected. I feel that for the year of XX/XX/XXXX I have paid XXXX interest on a {$100000.00} instead of paying them interest on {$100000.00}. I received on XX/XX/XXXX a pay off letter from XXXX and it stated that the pay off amount was {$94000.00} but on my XX/XX/XXXX XXXX it says that outstanding balance is {$97000.00} I feel that I have paid interest on {$97000.00} instead of XXXX or what was owed after I had paid on the mortgage for the year of XX/XX/XXXX. This information comes from my mortgage history and correspondence that they XXXX XXXX XXXX have sent me and it can be proved for each fee that I have paid I want a explanation on what that fee was for. And they are in violation of 12CFR1024.35 or 1024.36 b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21, I called TransUnion at XXXX and spoke with a supervisor XXXX. I could not understand his accent and asked him to explain why my credit score decreased 79 points and the annual credit report showed no deficits. After speaking with him and repeatedly asked him to speak slowly, he hung up the phone. I called back and spoke with XXXX. I informed her of the hang up. She transferred me to a XXXX. Again I could not understand him as well. I spoke with him about my scores. After repeatedly asking him to repeat himself, he was no help and asked for {$9.00} to charge me after I sent in letters about my dispute. I in dire need for assistance. 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 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
at XX/XX/2021 XXXX XXXX used my card without my authorization and charge me {$1000.00} for product it did not purchased and did not receive I brought this to the attention of bank of America, 26 days later I received Resolved - claim not paid, they did not even talk to XXXX XXXX XXXX. i did not purchased anything from them that day

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 monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have sent letters I have also disputed the information thru the company and they have not removed them or sent me any written consent to me giving them permission to report these inquiries 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 2019-06-19
Company: CITIBANK, N.A.
State: NY
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:
On the XXXX of XX/XX/2019, I received an email stating that there were changes made to my credit score. Once I looked online I saw that my credit score had dropped upon investigating I saw that there was a hard inquiry name CBNA, I looked online to see what CBNA was and it said that it stands for Citi Bank Of North America. I have not applied for any credit cards so I don't understand why this happened.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I made a monthly payment online to my mortgage company, Lakeview Loan Servicing. The payment posted, and then 7 days later, they took the payment out a 2nd time. I called and requested a refund. They required proof of the double payment, which I provided. A week before XXXX I had paid 2 mortgage payments, which affected my ability to provide a good XXXX for our family. I was told the refund would be issued by check. Finally after 3 weeks of waiting, the refund check came. 

In XX/XX/XXXX, I mailed a check for my monthly mortgage payment. My bank shows when the check was cashed by the mortgage company. I started receiving correspondence that my payment for XXXX was not received. When I called the customer service department, they stated my payment was not received and that I would have to provide evidence that the check cleared the bank, when I clearly have documentation that the payment was received. This issue has adversely affected by credit as it shows I have not made my XXXX payment. It is now XX/XX/XXXX, and after providing the documentation they require ( via email ), I still have not been called or notified by Lakeview that the issue has been resolved. Emails go unanswered, and no one will call me. 

As of XX/XX/XXXX at XXXX, EST, after finally getting through to customer service, they said it can take up to 5 to 7 business days to research the payment documentation I sent on XX/XX/XXXX. This is totally unacceptable. Their site shows I am 2 payments behind, when actually all that is due is the XX/XX/XXXX payment. At this point, I will definitely look at refinancing my loan with a local bank so I can get the proper handling and customer service my money and loan deserves.

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 2019-06-19
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: Account status incorrect

Complaint:
On the credit reports XXXX is a collection acct that is showing open when I never set up a payment plan nor made a payment to them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are on my credit report but do not belong to me : 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 2019-08-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a { {$400.00} } bonus if I maintain { {$15000.00} } for 60 days, and an additional { {$100.00} } if I receive a direct deposit during those 60 days. I have completed both tasks in the specified amount of time but have yet to receive my combined { {$500.00} } bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. This has been the promise during multiple calls. No other stipulations were described in the terms and conditions of the offer and I followed the directions of the offer and completed the required tasks as mentioned above. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist? Thank you very much for your time.

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 2019-08-16
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Control Corporations have reported 3 of the same debts to my credit report . The company is XXXX XXXX XXXX XXXX . On my credit report it shows 3 of the same amount bills which is the same exact bill multiple times . On XX/XX/2019 they reported twice for $XXXX  . And also again on XX/XX/2019 . They also did it again for another debt of $XXXX. Also both of these were on XX/XX/2019 . I think they have reported he same debt multiple times and it is lowering my credit score .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Professional Recovery Consultants, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXXr XX/XX/XXXX Wyoming XX/XX/XXXXPROFESSIONAL RECOVERY CONSULTANTS, INCDate: XX/XX/2019 Acct # XX/XX/3840 To Whom It May Concern: This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of: • Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. • Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XX/XX/XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. Sincerely, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: SC
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:
The state of Michigan listed my child support account as not paid and sent to collections in XX/XX/XXXX and paid and closed in XX/XX/XXXX. I contacted Experian and provided a printout showing payments of {$320.00} have been made every two weeks through income withholding. I have also sent a check for {$20.00} every two weeks. This printout shows payments going back at least 6 months. The record being reported is stating that XX/XX/XXXX is when the account began, however the support agreement with Michigan was opened in XXXX. They are intentionally trying to add this to my credit file with a recent date that is incorrect. 
It is beyond any reasonable view that an account that shows a decreasing balance each month, doesn't accurately reflect the payments that are DECREASING the balance. I provided this information to Experian, yet they are still reporting the account as being a collection and opened in 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 2019-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was serviced by XXXX XXXX. In XXXX of XXXX, as I qualified to have my private mortgage insurance removed, I requested its removal. After several attempts to have my request reviewed an appraiser selected by XXXX  was sent to my property. The appraised value and the substantial improvements I had made would have allowed the pmi to be removed. The improvements are noted in the appraisal. I received a letter stating that XXXX   XXXX  was transferring the servicing of my account to Citizens One Home Loans. I then received another letter from XXXX which miscalculated the "current value" as expressed on the appraisal and substituted my initial loan amount. In a call to XXXX, they stated that Citizen One would have all of the information and that I should continue my efforts with Citizen One. Citizen One then stated that the file was being transferred and to give it some time to have it transferred. I called again. I did allow the matter to drop for sometime, as I run a small business. I called Citizen One several months later and they told me there was no information regarding my request. In XXXX of XXXX, I mailed a letter requesting my pmi be removed. I received no response. In early XXXX, I wrote a letter stating that I would complain if this was not handled. I received a letter basically starting all over and Citizens claiming that they had no information regarding the previous request. Citizens requested an additional $XXXX for a broker price opinion of my property value. I sent them the appraisal that was ordered by XXXX, and asked why should I have to pay for an additional valuation when I qualified to begin with. In a letter from Citizens One dated XXXX  XXXX, "we have conducted an investigation and concluded that no error(s) occurred." They also sent a letter stating the minimum current value must be greater than $436,677.88. The appraisal was for $XXXX!!! I have qualified, I am qualified, yet I pay my pmi each month. (I have added dates and additional info in the history attached.)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. 
The account being on escrow along with XXXX XXXX has cheated me of XXXX  of dollars per tbe City of XXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with XXXX XXXX XXXX XXXX at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. 
This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. 
I really look forward to this company honoring my request during this pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation