BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Divorce XX/XX/2016. XX/XX/2016 ex wife took out a modification loan, used forgery with my signature and the bank never verfied information. The documents where sent to a XXXX XXXX XXXX had no access to retrieve mail as the XXXX XXXX XXXX to her daughter from another marriage. The bank never check full documents and now the bank refuses to help me with this matter. The end results I would like is the bank remove me from the account and to report the removal to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CAP1/WMT XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: WA
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:
Equifax poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but Equifax still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Bread Financial Holdings, Inc.
State: WY
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:
XXXX XXXX ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. 
I am absolutely certain that the item I disputed ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 at XXXX I called Movement Mortgage regarding my home loan requesting information for loan repayment assistance as I have recently lost my job by no fault of my own. I was told by Movement Mortgage loss mitigation team that I would receive a package in 7 days and also have access to it on their loansolutioncenter.com website. I never received the package via mail and the website was never updated. I contacted Movement Mortgage again on XX/XX/2021 at XXXX inquiring again about the loan assistance package. I requested an email copy which I was told could be done. Again I was told they would request another one mailed to me and it will be available on the website within 5 days. No email ever arrived but did receive my XX/XX/2021 statement. Made another request on XX/XX/2021 at XXXX and this time someone from the loss mitigation department told me they are no longer able to upload the documents to the loansolutions website and can only be sent via mail. I asked for someone to call me back for other means of receiving this info. I was told by the Movement Mortgage rep that he could not confirm when that call back would be. On XX/XX/2021 called asking about the documents and requested a call back from the loss mitigation team which I never received back as I was told by the customer service department that they are the only ones who can assist in this matter. Made another call on XX/XX/2021 at XXXX requesting to speak with a manager or someone who could figure this out. Only got same runaround that no one from the loss mitigation department was available and they couldn't figure out why I haven't received the package. Spoke with 4 different people who said that I should have the documents on their website to review which I had to tell them it has never been updated. It took 45 minutes to get a manager on the phone who was incapable to contacting or unwilling to contact the loss mitigation for the paper work I needed to request loan assistance. 

I have also called the agent who sold me the loan multiple times for any help with this, XX/XX/2021 at XXXX XX/XX/2021 at XXXX XX/XX/2021 at XXXX XXXX XXXX at XXXX Never recieved a call back from this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 a fraudulent check of XXXX XXXX dollars was deposited in my checking account at XXXX XXXX  Citibank cleared the check even though I had only about XXXX XXXX dollars available in my account. Citibank made the money available for transactions during the next three hours even though the money was not there in my account and I did not have an over draft protection plan. At XXXX XXXX I notified Citibank of all fraudulent transactions and ask them to cancel and stop all activities. As a result, my checking account has a XXXX Dollars overdraft balance which should not have happened if Citibank would have not cleared a check of this large amount. Every bank policy is to keep a hold on a large number of checks for three days to be cleared. Therefore Citibank is at fault to allow such a situation happened especially I did not have the money or overdraft protection available to me for all the transactions to go through. It could have been stopped by Citibank by not clearing the fraud check and not allowing the following transaction to go through my account because of not having the fund.

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 2019-06-21
Company: EQUIFAX, INC.
State: MA
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 began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( XXXX XXXX XXXX ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over a year ago when I first took out my mortgage with Citizens, I set up Autopay to process my monthly mortgage payments. That worked well for approximately twelve or thirteen months. Citizens has unilaterally changed its websites, which appears to have resulted in disabling my Autopay. For the last several months, I have been told that payments have not been able to be completed due to Insufficient Funds, yet this is totally inaccurate. I have received several delinquency and foreclosure notices. I am also being assessed hundreds of dollars worth of penalties and late fees. 

I have always had more than sufficient funds in my account to cover my monthly mortgage payments. Now, with its new website configuration, Citizens includes no contact information or any way to speak with a live person to resolve the issues. I have confirmed this despite countless hours on Hold, with the same nonsensical statements that there are longer than usual wait times due to high call volume. Instead, I am forced to route through automated online or phone payments and am only provided with an automated option to pay amounts that include the wholly inappropriate late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: TX
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:
For the past 2 months my credit score has not been updated correctly. Typically your credit score reflects whether it has increased or decrease in points. Mine has done neither. Someone is illegally trying to sabotage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
One of my credit cards, XXXX updated my status and the {$39.00} balance which resulted from an annual, was credited to my account so my balance went to {$0.00}. 
As soon as the balance went to {$0.00} my credit score dropped about 37 points.

What it said on my report is that I might have closed an account.

Why would that affect my score by so much? Because I have {$0.00} balance on all my credit cards my score drops? Who makes up these rules?

I have tried calling them and they won't respond!!!

All I get is a hang up.

So absurd they they can do whatever they want.

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 2022-03-04
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:
The past 6 months I have been trying to get my credit report fixed as there are multiple inaccuracies on it. XXXX XXXX is reporting serious inaccurate information that is hurting my credit! XXXX XXXX XXXX is listing my account payment status as " PAST DUE 90 DAYS ''! to Transunion and listing my charge account as an open installment loan 120 days late to XXXX! I have told Transunion and XXXX multiple times this is incorrect and the payment status for my XXXX XXXX  needs to be " PAID, CLOSED ''! I have tried contacting XXXX XXXX through mail multiple times to fix this and they are saying its being reporting correctly but its not! This account was paid and closed in XX/XX/2019! 

They are also listing my XXXX charge account as 120 past due multiple times. 
I have sent proof of my bank statements showing I made payments to XXXX XXXX to prove I was making payments during the month they say I was late! 

Transunion/XXXX  and XXXX Bank has failed to correctly investigate my dispute because if they had they would see that my XXXX XXXX charge account is being wrongfully reporting my XXXX XXXX account! The only bureaus they are reporting to correctly is XXXX! 

They need to have my XXXX XXXX charge account status fixed ASAP! It needs to be listed as " PAID, CLOSED '' and the payment status needs to be " PAID AS AGREED '' XXXX XXXX XXXX Transunion/XXXX has still not fixed this inaccuracy and have only made my account status worse. 

I need XXXX XXXX XXXXnd Transunion and XXXX - to update my credit report to the correct information. My XXXX XXXX charge account was paid and closed in XX/XX/2019! PLEASE FIX MY ACCOUNT STATUS AND PAYMENT STATUS AND LIST IT AS " PAID IN FULL, CLOSED ''

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 2022-10-03
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Unauthorized use and inaccurate use of 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 explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries listed below are not mines. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 2022-03-04
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Unauthorized use of Credit report and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went through XXXX to remortgage at a lower interest rate. Before I even made one payment, XXXX sold my mortgage to Freedom Mortgage. My first mortgage statement from Freedom Mortgage was higher than my agreed payment with XXXX. I contacted Freedom Mortgage several times and was finally told the amount was higher until they did an escrow analysis. How can they just make your payment higher WITHOUT an analysis? My escrow amount and account were fine and after complaining, FM did change the amount back to what it was originally supposed to be. Also, when I called in a payment they took the account information incorrectly and then came back with a late fee and once they had the correct information ( I was monitoring my checking account ), they automatically took the PAYMENT and the LATE FEE. I called to complain ( again ) and was told that I had agreed to that amount over the phone which if I DID, I had NO intention of doing. I feel very manipulated and that I am not dealing with a company of integrity.They would not refund my money or put it toward my next payment and said they would put the late fee amount toward my principal amount. I had no say in this and did not appreciate their customer service.

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