BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Information belongs to someone else

Complaint:
A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a XXXX XXXX XXXX XXXX from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called XXXX but they were rude and hung up on me several times as well as cussing and being very rude. I still have it reporting on my Equifax credit report and I will like it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been sent to Phoenix Financial Service from XXXX XXXX. I previously reported this fraudulent charge from XXXX XXXX  when the submitted to Resolve. They have now let it be submitted to another collections company. The stated from my prior complaint that they would absolve this debt and issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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:
Account Review Inquiries from XXXX XXXX unauthorized

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 2019-11-03
Company: WSFS FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
WSFS will not apply a principal only payment as instructed over numerous messages since the date of the payment at the end of XXXX. They are also not applying full payments to my account as of the day they come in. 

Screenshots supporting all of the details below will be attached : Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Principal only payment of {$230.00} delivered on XX/XX/19 but not processed until XX/XX/19 and was NOT processed as principal only. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but will not processed until XX/XX/19. 

WSFS loan statement dated XX/XX/2019 is missing the payment delivered on XX/XX/19 for my regular XX/XX/XXXX payment. 

Message detail will be attached for the following : First message send by me on XX/XX/2019. Follow-up message sent by me on XX/XX/2019. Automated response by the company onXX/XX/2019. Another follow-up message sent by me on XX/XX/2019. First  response by the company on XX/XX/2019 in which they stated they could not find XX/XX/2019 payment. Follow-up sent by me on XX/XX/2019 stating it would be the payment they had processed on XX/XX/19 that should be principal only. And that the payment they had processed on XX/XX/19 should be for my XX/XX/XXXX payment. Another follow-up sent by me on XX/XX/2019 again requesting that my payments be corrected. Yet another follow-up by me on XX/XX/2019. Company responded on XX/XX/2019 stating that all payments are held until the actual due date and additional payments for principal only need to be made manually by me. Response by me this morning on XX/XX/2019 is that I do not understand what manual payments are and that my XX/XX/19 still needs to be corrected to principal only and all subsequent  payments correctly updated.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect names and addresses reporting on my credit 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 2023-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On Monday XX/XX/XXXX I was trying to get my mom taken off the loan from citizens bank but the only way to do that is to get refinancing from another bank citizens bank does not do refinancing I tried to do that but because the car was at a price more than what's it worth they could not do that and I tried to get a deferment but they wanted me pay interest in advance to the end of the loan which I don't have which is why I asked for a deferment citizens bank could not help me so I am getting cfpb involved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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 filed a complaint XXXX about unauthorized inquiries with Experian, the company responded that the inquiries were made In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information I am quite sure the Fair Credit Reporting Act allows for consumers to know the reason someone is accessing their credit report and if they had the consumers permission to access their credit report. I am telling you I did not authorized these inquiries, I am a victim of Identity Fraud and I am asking you to help me resolve it by simply providing me with some proof so that I can determine what is going on with my credit. As a major credit bureau I would expect more help for the consumers that are facing an ever increasing threat from Identity theft. I would like a copy of the contract authorizing the inquiry or the removal of the inquiry.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

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 2023-07-10
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: Account status incorrect

Complaint:
I XXXX XXXX, am submitting this cfpb Complaint concerning the gross. Reporing of inaccurate account information, From the XXXX major credit agencies Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Under the FCRA, its states information reported must be 100 % accurate. This is not the case with almost 100 % of consumers credit files are filled with inaccurate information, In reveiw of my consumer files you can see the errors, that shows the inaccuracy. Across, the XXXX credit reports from the XXXX credit agencies. Under the FCRA, 15 usc 1681 my federal rights have been violated. Over and over again in disputing process, of the inaccuarate informatio being reported.

Under 15 USC 1681, my rights have been violated by XXXX XXXX Acct # XXXX. Under these federal statues XXXX has violated my rights under secttion : 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigation of disputed information. 
15 USC 1681i- Procedure in case of disputed Accuracy.

15 USC 1681b- Permisssible purposes of consumer reports 15 USC 1681- Cogressional findings and statement of purpose 15 USC 6802- Obligations with respect to disclosures of personal information 15 USC 1681 ( e ) -Compliance Procedures Under listed above statues under the FCRA, my rights have been violated. In the procss of disputing a request for reivestigation. I did not get any investigation resutts, back from my request. I was never got a notification at all within the 30 days mandated period.

Thus, causing another federal staue violation 15 USC 1681n and -Civil Liability for noncompliance 15 USC 1681o- Civil Liability for negiligence noncompliance. Under these statues I am submitting this complaint for the willful noncompliance to any of these statues violations.

In the filing of this complaint, it is my intent to take civil actionsas a result. Of the actions of XXXX XXXX,, for the violations listed, and noncompliance in being compliant. Also Civi actions against the credit bureaus for no doing their do diligence in asssuring that the reinvestigation was conducted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by XXXX. 

In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. 

Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. Bank of America unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed BAC account that listed as " abuse and or fraud ''. 

This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. 

XXXX XXXX, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. Thanks.

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 2020-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 2023-04-22
Company: Fay Servicing, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Fay Servicing concerning the Affidavit Signature in a QWR on XXXX XXXX which they received on XX/XX/2023. Requesting " Full double sided certified true and accurate copy of the original promissory note. They have yet to acknowledge that they received my QWR. 
The Signature Affidavit states that This signatures must exactly match the signatures on the Note and Mortgage/Deed of Trust/Security Instrument. Please find enclosed a copy of that Affidavit along with the signature in question. This requires that the promissory note in your possession be certified. 
These documents were signed on the same day in the presence of the same Notary ( XXXX XXXX ) on ( XXXX XXXX ). 
You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time, you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into Covid forbearance. It reported late for 11 months. Never indicated the reason why I was in forbearance now I cant even get housing I feel it is not reported correctly because it is made to look like I just didnt want to pay it. Now credit suffers leaves me no where

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attached you will find a letter and documents needed to correct the personal information on my consumer credit file. I have contacted them directly to correct this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: PHH Mortgage Services Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 My wife called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX   XXXX XXXX XXXX, IA XXXX ) to apply for a forbearance. She was told they would start the process. 

We got a letter in the mail dated XX/XX/2020 stating that effective XX/XX/2020 our loan would be transfered to XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX ) On XX/XX/2020 I called XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX to find out what was going on with our loan. I was told that they could see it had be transfered but that they could not see any loan details for up to six weeks and that I need to call them back every two weeks to find out. I let them know that Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) was working on forbearance paperwork before the transfer. XXXX XXXX XXXX said they would honor any agreement we had with Wells Fargo Home Mortgage. 

Another letter from Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) Dated XXXX Stating that we owed them XXXX by XXXX or the loan could require immediate payment of loan in full. 

XXXX I called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ) to find out why the loan had been transfered and not put into forbearance. They had no answers. They did tell me i could ignore the letter dated XXXX seeing as the loan had been transfered. I asked them if I was going to be required by XXXX XXXX XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to pay that amount, again Wells Fargo Home Mortgage could'nt answer. I asked Wells Fargo Home Mortgage why they didn't put the loan in forbearance before the transfer, Wells Fargo Home Mortgage said they could not find the request from XXXX. I Let Wells Fargo Home Mortgage know that I thought they where trying to steal my home and that I was going to report their practices to a Federal Agency. I asked Wells Fargo Home Mortgage who had Federal Oversite of Home Mortgages, they answered they didn't know.

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