BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: MN
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 originally had a XXXX XXXX XXXX Account in the beginning of 2020. Sometime around late XX/XX/2020 or the beginning of XX/XX/2020, I graduated to a XXXX XXXX Account, which contained a higher credit limit and was considered " unsecured, '' for credit purposes. The XXXX XXXX XXXX XXXX  is showing " paid and closed '' on my credit report, and this is correct -- this particular account should be paid and closed because once the XXXX XXXX XXXX was paid off, I had a XXXX XXXX Account opened. The problem is that the XXXX  account is reporting as " closed '' on my XXXX, Equifax and XXXX  credit bureau reports, and this is incorrect, as the XXXX  account is open with a {$500.00} credit limit and no balance. I have tried to call XXXX directly and was told to mail a letter to the company to dispute their inaccurate reporting of the XXXX account, but no one seems to know anything -- we go around and around in circles and I get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A new practice has developed at Truist bank that is clearing checks in the middle of the night. I guess the Reserve transfers the check copies over to the banks at night and when Truist receives the check copies, the checks are cleared with the previous days date, although the day to me has been closed. The process to help people not bounce checks has been established the deposits credit first. In this way, if you see an amount pending, a deposit can be made and avoid overdrafts. This practice of clearing checks between normal business hours means that I can check my account at XXXX and have a positive balance, but get an alert at XXXX am that my account is overdrawn. Immediately, the bank charges a fee for NSF and dates the check cleared as the day previous. If the check were dated on the actual date of the XXXX am day, then I would get a notice that I have a PENDING NSF balance and would have a business day to make a deposit. In short, I feel like the bank has a notice with a time posting that specifically states that transactions after closing ( might be XXXX pm ) will be processed the following business day. It only seems to follow that also debits posting after the specified time should also post on the following business 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 2018-12-08
Company: Select Management Resources, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Notice of Fault and Opportunity to Cure and to Contest Acceptance To : XXXX RE : DEMAND IMMEDIATE RELEASE OF MY PROPERTY on Loan Number : XXXX Payoff Amount : {$1700.00} Collateral : XXXX XXXX XXXX XXXX Mileage : XXXX miles Value ( XXXX XXXX XXXX ) : {$1700.00} Respondent Dear Mr. / Ms. XXXX : 1. On XX/XX/XXXX, the undersigned Secured Party caused to be sent to you a SETTLEMENT PAYMENT which arrived to you on Date XX/XX/XXXX. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/XXXX. Per USPS XXXX Return Receipt in the possession of the Libellant, you did not respond with proof of claim. 
2. On XX/XX/XXXX, you were sent a Notice of Fault and Notice to Validate Debt Claim for the alleged creditors in dispute. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You illegally stolen my property and failed to perform after receiving these presentments, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said FULL SETTLEMENT PAYMENT and Notice to Validate Debt claim from the undersigned.

As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault.

Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NY
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 federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX XXXX XXXX  Account number XXXX on XX/XX/22 Experian has notified the consumer that they have completed the dispute Experian has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-06-30
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-24
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In ApproximatelXXXX XXXX XXXX XXXX  my Mortgage Servicing XXXX XXXX XXXX Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to Selene Finance. Selene said they had no record of the loan. It.s has taken until today and we still have no resolution because Selene is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The XXXX  and expense I am going through haven taken a toll and I want it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just received a copy of my credit profile and it had a lot of incorrect addresses and phone numbers, also incorrect spelling of my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern, On numerous occasions, I have reported ATM debit card fraud and theft to KeyBank. The complaints have not been properly investigated nor addressed. Managers at KeyBank have stated that it is " impossible '' for debit card transactions to be fraudulent despite many attempts to reasonably address the issue, which has resulted in {$710.00} of unaccounted for money. 

The following includes a breakdown, by date and amount, of the unauthorized ATM withdrawals at various locations totaling {$710.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$23.00} XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ME | {$100.00} XXXX | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX {$63.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | {$160.00} XXXX | XXXX  XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX  XXXX Tg XXXX XXXX  XXXX, ME | {$130.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$130.00} XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to dispute this account but XXXX disabled my access to do so.

I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

1.Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

2.Account name XXXXXXXX XXXX XXXX  Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

3.Account name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

4.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

5.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, 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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Company stopped drafting auto payments for XXXX and XX/XX/2023 unbeknownst to be. 
The first I learned of it was when I received a certified letter stating my loan was in default and foreclosure was imminent. I had made several additional online principal payments prior to the autopayment being disrupted but I did not cancel the autopayment feature. Perhaps that trigger something in their system thinking I was paying off the loan. 
The company responded to my complaint by saying they were not at fault. I asked them to offer proof that I was the one who cancelled the autopayment. They have not responded. I was charged {$200.00} in late fees and penalties and reported to the credit bureaus as a late payer knocking my credit score down by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit and notice this account. As a XXXX XXXX XXXX man I am not aware of this account and I have concludes this as identity theft. I was not informed if the original company at all. The credit bureau has not worked with me on this matter and has allowed what information they have of mine to be sold to other company. Which is against the law. This account needs to be removed asap. I have contact the police on this matter. I need a contract of my original signature. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Convergent Resources, Inc.
State: SD
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:
Convergent outsourcing was paid on a pay for deletion basis on a former XXXX   account. The representative of convergent outsourcing was recorded and was informed she was being recorded when she, as a representative of Convergent Outsourcing agreed to delete this negative information from my credit file. The account shows paid but Convergent Outsourcing shows a late payment of one month to impact my credit score in a malicious manner. I wish to pursue any and all avenues to ensure these blood suckers and others like them are held accountable. I am held to my word, why shouldnt they be?

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