BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The central issue is that our mortgage servicer, BSI Financial, failed to apply a {$2800.00} payment to our escrow account last year, resulting in a current shortage that will cost us roughly $ XXXX on our mortgage payment to replenish. Multiple attempts to resolve with the servicer have been unsuccessful. 

The attached XX/XX/21 statement contains the relevant details. 

On XX/XX/21, BSI mistakenly emptied many customers escrow accounts, sending us a check for {$2800.00}. It was a bad check that never posted and we were charged a fee by our bank. They continued to issue refunds in the amounts of {$670.00} and {$1900.00}, which we were instructed to deposit and then replace via an escrow only payment online. You can see my {$2800.00} payment on XX/XX/21, which shows as unapplied in the far right column, and then says it was refunded to me on XX/XX/21. I never received this refund, and the amount remains unapplied to our escrow, creating a $ XXXX shortage for the year, dramatically increasing our monthly payment. 

The company insists there is no error, and a new escrow analysis is not required. They have lost {$2800.00} of mine, and are now asking me to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX account : The main concern I had during this process was that they acknowledged a complete application for their underwriter two times. At that point they have 30 days to make a decision ; which took them over three months. The reason was because escrow stated they did not have enough information to determine an escrow payment. One several occasion we provide all requested information in a timely manner and they acknowledge receipt and that it satisfied the request but still did not make a time decision. Their delays directly contributed to an increase in the escrow portion of the payment and further arears. They basis for not being able to offer a modification was because they could not make changes which would offer an affordable monthly payment, but if they had not delayed they payment would not have needed to me as high. Their internal processes prevented XXXX  from being able to seek a fair solution and violated her rights as a borrower. the delinquency was due to an adjustable interest rate that changed after a 10 year lock in period ; which XXXX was not aware of and the payment increased from {$400.00} to over {$1000.00} a month. That XXXX met with a housing counselor as soon as the delinquency happened but because of the delays by the servicers the loan has fallen further behind and has been referred to an attorney which now makes the possibility of an affordable retention option difficult if not impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: AR
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 contacted Equifax stating that the law on medical debt has changed. XXXX XXXX XXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/2023. This did not occur. I sent a letter to Equifax and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NV
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: AZ
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:
I have just learned that my identity was breached and data was hacked through Experian 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX XXXX  declined because of Fraud again and spent over XXXX  hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in XXXX  and will be XXXX  soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the Experian website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend XXXX online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I opened an account with XXXX XXXX XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from 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 2016-03-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
CITI card system failed to withdraw money from my payment account and resulted return check fee. The payment account info was correct and had enough money. CITI failed to explain what happened and refused to refund the fee that was incurred because of their system failure.

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 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Capital One won't stop sending offers. We are on the opt-out list. Their legal dept sent a letter reading it would stop and it doesn't. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: Fast Track Servicing
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fast Track Servicing Dept. 
XXXX ( now disconnected ) email XXXX ( now disconnected ) I was contacted for several months by this " company '' and was told it was a repayment program for my student loans that was offering loan forgiveness. The company told me that I was able to qualify because the company that currently held my loan was being sued for overcharging and takin money from clients. I set up a payment plan and signed a contract. The company helped me fill out all the paperwork for the loan forgiveness over the phone and said I would pay {$200.00} for 3 months and the approximately {$69.00} per month for 10 years. They kept telling me my house size was XXXX and I kept telling them it was XXXX. They said, " don't worry we will take care of it '' ( fix the mistake ). I recently learned from my loan holder that my Grace period is almost up and I need to start repaying my loan. I was very confused since I was told by the Fast Track company that Ive been paying since XX/XX/2019. I called XXXX XXXX and found out the company had made false claims and that the contract I had originally made was likely a contract to pay them to defer my loan. I have attempted to email and call Fast Track to let them know I want to terminate the contract as it was under false pretenses. Their contacts have all been disconnected. I am so distraught that I fell for this and now have to correct all of my paperwork as it contains false information. Additionally, my loan repayment will be more than double and I am now out almost {$700.00} of money I paid to FastTrack Servicing. I have been lied to and have given many personal informations to the wrong hands. I do not know  what steps to take next.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT COLLECTION AGENCY. INACCURATE INFORMATION XXXX/XXXX  # XXXX ; ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ; ( XXXX ) XXXX ) Loan type : charge account Closed XX/XX/XXXX Purchased by another lender unpaid balance charge off Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++ JEFFERSON CAPITAL SYSTEM # XXXX, ( XXXX XXXX XXXX , XXXX. XXXX, MN XXXX ( XXXX ) XXXX ) Purchased for COLLECTION XX/XX/XXXX Loan type : Debt Buyer Lists Original Creditor as XXXX XXXX XXXX  ( not XXXX/XXXX  ) Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++++++++++ REMOVE INACCURATE/INVALID/ERRONEOUS INFORMATION REPORTING Jefferson Capital System lists Original Creditor as XXXX XXXX XXXX  Original creditor actually was XXXX/XXXX  and says account was purchased by another LENDER not by a COLLECTION AGENCY +++++++++++++++++++++++++++++++++++++++ how can Jefferson Capital list removal date as XX/XX/XXXX when XXXX/XXXX  lists removal date as XX/XX/XXXX ( original creditor ) how can Jefferson Capital list original creditor as XXXX XXXX XXXX  when original creditor appears to be XXXX/XXXX  theoretically they could be separate/differing companies both of these concerns are based on technical fact based inaccuracies ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Care Credit XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: U.S. BANCORP
State: CA
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 finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: EQUIFAX, 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
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: Their investigation did not fix an error on your report

Complaint:
I opened an account with XXXX now also known as XXXX XXXX XXXX  back in XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.

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