BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, TransUnion and LCI ( a TransUnion company ) are reporting a bankruptcy on my credit report, and they are reporting that they furnished this data from XXXX XXXX  XXXX XXXX TN which is false. I have attached a letter from the bankruptcy court of XXXX TN verifying and stating that they do not furnish information to any of the credit bureaus, or any credit monitoring services, nor do they verify or validate any information concerning bankruptcy. XXXX, TransUnion and LCI are falsely reporting this information on my credit report and has yet to remove this information 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 explanation
Consumer complaint received 2021-08-11
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: Their investigation did not fix an error on your report

Complaint:
I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, XXXX  and Equifax. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
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:
Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
During COVID, we had very little to no income. We discussed this on repeated occasions to our prior mortgage company ( XXXX XXXX and/or XXXX ) and to the current, SN Servicing Company .

Our prior mortgage company had mentioned that we could have our payments go to the back of the loan, which we were in the process of that ; however, without any notice, our loan was sold to SN Servicing Company. 
No explanation about our account and/or the discussions that we had been discussing, SN Servicing claimed that they knew nothing about it. 
NOTE : We were paying our mortgage at the time when they sold us. One day I was paying the old company, then without any notice, they deactivated us and we were left on our own trying to find out what was going on. We did not want to be delinquent. 
Some time later ( a few months ), we finally received communications from SN Servicing saying that they had taken over the loan and that we owed them approximately $ XXXX. 
They had some rude guy on our account who demanded that we pay it immediately and claimed that since he had no knowledge of our previous communications with our previous lender ; it was irrelevant to him. He even hung up on us a few times alleging on the call that we were getting " abusive '' further delaying setting up payments ; getting us activated on their system ; etc. Although, we finally did get set up eventually. But SNSC dragged in responding to repeated requests. 
In XXXX this year, we finally spoke to XXXX XXXX. We started over and explained everything all over again for the millionth time and last we left it was she was going to discuss our issue internally along with she sent us information to apply for assistance. When my husband did the application, he did not do it correctly and we were denied. He reached back out to XXXX to tell her and asked what needed to be done to correct it and redo the application. To date, she has not responded to him despite NUMEROUS messages to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It was an impossible but obvious error on my Citibank checking acct : A check ( # XXXX ) I wrote to pay a merchant was cashed twice on a same day ( XX/XX/22 ), for the amount I wrote, {$7300.00}, and another {$730.00}. I called Citi the next day and a rep named XXXX agreed to correct the error, saying the next XXXX  ( XX/XX/22 ) the credit of {$730.00} would be on my acct. But it hadnt happened until XXXX  ( XX/XX/22 ) when I called it again. A rep named XXXX ( who was nice ) with her supervisor ( who sounded quite inpatient ) said they'd credit it back to me next XXXX  ( XX/XX/22 ) ; but the {$730.00} debit is still shown on my acct today XX/XX/22 ). Nothing happened, no call and no email ( as they said they'd do ). I'm requesting Citibank to remedy the error by paying me {$300.00} for its ongoing negligence as well as crediting the {$730.00} to my account.

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 2022-09-07
Company: EQUIFAX, INC.
State: MI
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:
I am a natural person, I am a living human being. I have right under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

Inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ok so i recieved a settlement for a work place injury in the form of a check. I took that check and went to a Suntrust bank in XXXX, Ga. Using that check i opened a checking account on XX/XX/2019. I was told that the check would clear and be available by XX/XX/2019. The funds were cleared by the issuing bank on XX/XX/2019. The Suntrust internal policy was the only reason for the delay of my deposit being accessible. Despite this small hiccup i waited as required by Suntrust. However on XX/XX/2019 the bank informed me that the account was being put on a debit hold. After multiple telephone conversations i was referred to the branch manager at the branch i opened the account at. I then visited them to find out why my account was being frozen. I was informed that the Suntrust policy allowed them to close any account at any time for any reason. According to the representatives of the bank i would have to wait 7-10 days for the account to offically be closed. Then i would have to wait 7-10 days for them to issue/mail my remaining balance to me. Well after waiting what i consider a fair amount of time i began to grow concerned about the whereabouts of my funds. I then began to reach out once more to locate the funds that i had deposited. When calling both the normal service 800 number as well as the executive services representative i was told they are not able to tell me where my funds are. No one from the fraud department, and i have left half a dozen messages for the investigator, will return my calls. Ive now waited 37 days total. My funds are still in their possession and No one seems to be able to help me in locating the status of my funds. Adding insult to injury they have only just now sent me a letter via USPS informing me of the account closure dated XX/XX/2019. Which i was locked out of and unable to access the account since XX/XX/2019. They have had ample amount of time to rectify this issue. I have enclosed some of the correspondence between myself and Suntrust, my attempts at contacting both the fraud investigator and the Executive Services rep., as well as letter from my attorney who assisted me with the lawsuit that was ultimately settled. ( your more then welcome to verify anything with Mr. XXXX XXXX of XXXX XXXX XXXX ) They have intentionally dragged their feet in this matter and my time is just as important and valuable to me as im sure their time is to them.

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 2018-09-14
Company: Freedom Mortgage Company
State: UT
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:
Freedom Mortgage is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with Freedom already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.

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 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Equifax is hacked, but at the same time said my info " might have been '' hacked. They should either give me an 100 % sure answer, or not to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently XXXXXXXX XXXX  Trans Union are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX points and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a lending executive.

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 2022-09-07
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello - I called this morning for Edfinancial to get a request for my refund from the CARES act. After the process they stated they did not know when I would get my refund or when my balance will be reinstated, I find this extremely problematic as I wanted clear transparency from the company to give me a timeline that I can look forward to. I am aware that some other loan servicers have it reinstated after a week or two but I have no clear answer into when I will see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was unnecessarily locked on XX/XX/XXXX in my CashApp account ( appears to be a DBA of Squarem Inc. When you request it to be unlocked it states the turn around time is about 24 hours. It's been a week and still no unlocked or a response. I have sent DOZENS of email. Only one time did a get a response one that asked me to answer some questions, i did that, and still nothing back after that. I have also tried calling, emailing, messaging in XXXX & XXXX & XXXX all with no response. I spend HOURS last week trying to get this resolved. I have over {$700.00} in my Cashapp i need to pay bills with. I need my account unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TD BANK US HOLDING COMPANY
State: IL
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:
Target reported a fraudulent address and phone number to XXXX Credit Bureau. 
They told me to also file with you so there is a record of the issue/complaint. Target has frozen the account until proper documentation is received. I have elected to let them close the account for these security issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. Also according to the new law that has been passed it states any medical debt is to be removed thats under 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 2022-09-07
Company: EQUIFAX, INC.
State: OH
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:
Complaint ID XXXX Equifax closed my complaint stating that the items were verified. These alleged late payments do not belong to me and I am demanding a description of the procedures that were used to verify such alleged late payments pursuant to 15 USC 1681i ( A ) ( XXXX ) ( B ) ( XXXX ). Failure to provide me with such, these alleged late payments must be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have tried unsuccessfully since XXXX of XXXX to get Specialized Loan Servicing to close a HELOC which was never used / never had a balance. I have called more than 10 times, followed their online instructions as well as those received from their customer service reps, sent emails to various email boxes provided by them and even emailed their CEO, COO and Head of Customer Service - all without resolution. 

My first email requesting closure was sent to XXXX on XX/XX/XXXX and contained all required info ( payoff statement showing XXXX balance generated from their website, my driver 's license, etc. ) Upon inquiring why the account had not yet been closed on XX/XX/XXXX, I was told the email must have been lost and could I resend. I did so on that date but was instructed to send it to XXXX. I was assured the account would be closed by a supervisor by end of business. 

Later it was clear based on my online inquiry that the account was still open. I spoke with XXXX XXXX rep ID XXXX ) on a date I didn't record and XXXX on XX/XX/XXXX - both asked me to repeat the same process and insisted it would work this time. It did not. 

On XX/XX/XXXX, Specialized Loan Servicing sent a letter saying that I needed to provide homeowner 's policy information or they would force place insurance on my account - clearly it still has not yet been closed. I spoke with XXXX ( rep XXXX ) on XX/XX/XXXX at XXXX who again asked me to repeat the same futile process. I requested a manager and was told one would call within 24 hours - I have received no such call. 

Also on XX/XX/XXXX, I emailed all prior correspondence to the CEO, COO and Head of Customer Service at SLS. I have received no response from them. 

I am now at my wit 's end as to how to close this account - Please help me!!!

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 2019-04-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans are currently serviced by FedLoan as part of my enrollment in the Public Service Loan Forgiveness Program. I have asked for an accurate count of qualifying payments and it has been about a year without a response ( in their records I asked for count in XX/XX/XXXX, but I asked for manual recount in fall XX/XX/XXXX AND XX/XX/XXXX ). The current count listed in my account on the Fedloan website is incorrect. The National Student Loan Data System does seem to have an accurate count ( per my records ). I would like an accurate count per Fedloan so that I know how many qualifying payments are remaining before my loans are forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Diversified Adjustment Service, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX purchased alleged debt that they assumed was mine and in fact doesnt belong to me. In fact Debt belongs to the United States according to 18 USC 8 as defined The term obligation or other security of the United States includes all bonds, certificates of INDEBTEDNESS, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Alleged debt company is illegally furnishing is considered bills or certificate of indebtedness as stated above so its factually impossible for alleged debt to be mine when the UNITED STATES says its their obligation, not a consumers. 

Company also violated my privacy rights by furnishing personal information without my written consent as my consent is required by law for any person to furnish information regarding me as stated in USC 1692 ( c ) Communication in connection with debt collection- ( a ) ComMUNICATION WITH THE CONSUMER GENERALLY Without the prior CONSENT of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I never gave company consent for such illegal activity.

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