BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX NC XXXXXXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: AR
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 Date XX/XX/XXXX XXXX XXXX XXXX, amount XXXX XXXX XXXX XXXX  account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Date XX/XX/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 XXXX XXXX XXXX XXXX XXXX These are the dates requested 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 2019-01-18
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A missed payment in XX/XX/2018 resulted in being excluded from ACH payment process. Subsequent manual payments commenced. A missed payment in XX/XX/2018 was communicated by phone message and letter but not by email or even using the account holder message alert system. The mortgage company put in place delinquency notice and subsequently effected my personal credit score. 

My issue is that this company actively makes it hard to comply on the basis of the following ; 1. If normal ACH is not possible no second or third attempt is made. It simply goes straight to a non-payment situation. Given the longevity of my payment record on this mortgage I find this approach completely unhelpful and is purely self serving on the part of the company. 
2. Once issues with payment have occurred communication of same is very poor. Surely immediate email notification should be the communication of choice.

3. Once there has been an issue with an ACH payment your are locked out of any future ACH for a period of 12 months thus exacerbating the issue by having to return to old school manual payments. 

Overall I feel the treatment of me, as a customer, is reprehensible by this company. If I could change companies, without incurring significant costs I would. The company is actively making it difficult by blocking the easiest payment route and I believe on the basis of securing additional revenue in the form of late fees exacerbated through subsequent bureaucratic red tape and probation periods for the accessing the easiest repayment routes. 

Federal oversight should come down hard on companies that exploit such situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX The bank participated in corrupt, confusing, unsafe and unsound practices. They have the available balance listed on the homepage but you have to click elsewhere to check the actual balance which is so deceitful. I was charged {$35.00} two times. I requested the bank refund me one charge of {$35.00} because one made sense and the other one didnt. 

I am also in a federally declared disaster area ( XXXX, NJ, XXXX XXXX ) due to the remnants of XXXX XXXX. The FDIC has provisions in place for banks to refund or eaive fees for a few months following a natural disaster. 

I was refunded in XXXX and because of that I was only asking for one fee back this time. I was a victim of flooding. 

I chatted with XXXX in the chat and she was unhelpful and also tried to tell me she could not trasnfer chats. SHe was just giving me scripted answers which are horrible. 
If you see exhibit a that is what I see on the homepage, Exhibit B is where XXXX told me to go and I had to click out of the homepage to see this!! How horrible is this this is so deceiving and the order in which they post transactions favors the bank.

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 2016-05-12
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
commonwealth finance at employee of XXXX XXXX XXXX has been sending me collection notices in the amount of {$570.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 
I would like for them to take this off my credit report and do not try to put it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I submitted a complaint to the CFPB in XX/XX/XXXX and Citizens/Charter which is coincidence because my aunt before her passing used to do business with Charter bank. XXXX XXXX XXXX and XXXX XXXX. I requested a total and permanent XXXX discharge and the company agreed. They were suppose to send a 1099 at the end of XXXX requested a XXXX in XX/XX/XXXX. In the complaint the company said it was a shiff in bank policy but did not indicate what the XXXX was. Id like to know my rights and get the debt discharged under total and permanent XXXX so It doesn't come back up. However she did indicate that they were in XXXX status but didn't elaborate what my options were. Old loan with previous lenders such as Chase bank have surfaced and their is a discrepency if they were federal loans or private. Gross privacy violations are associated with both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-07-05
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, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, division of childsupport 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 2020-07-20
Company: Navient Solutions, LLC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: TN
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 WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.

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 2021-08-18
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:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$2700.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$7200.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$4000.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-24
Company: Bread Financial Holdings, Inc.
State: FL
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:
It is falsely reported that Commenity BankXXXX is and has been trying to collect without any payment for years. This lender was included in my 2017 bankruptcy and therefore should not be listed as owing or overdue for any of the last 3 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I acquired a reverse mortgage for my mother in XXXX. She passed away XXXX XXXX, XXXX. I contacted Champion Mortgage about the repayment of the loan. I was told to submit the following documents : 1. Certification of Trust ; 2. Letter of intent to sell the property ; 3. Listing Agreement from the Real Estate company ; 4. a copy of the Death Certificate. I sent the documents on XXXX XXXX, XXXX. On XXXX XXXX I called Champion to ask why I had not received the payoff balance. They said I sent the documents to the wrong address XXXX and not to the XXXX office. The XXXX address was the address I was given. I faxed the documents to XXXX. XXXX XXXX I called Champion to confirm that they had received the documents. They had. I was told I would receive the payoff balance between XXXX XXXX. On XXXX XXXX I was told they needed the complete copy of the Trust. I faxed the complete Trust. On XXXX XXXX I called Champion again and was told that they did not receive the complete Trust because it was the Amended Trust. I explained that the Amended Trust was the valid Trust and the original no longer existed. I called Champion numerous times about this and was told each time that the Trust was incomplete. They also told me that I was not authorized to get the payoff because I was not the borrower. I explained that I was the Trustee of my mother 's estate and that I was the one who obtained the reverse mortgage. I am on the XXXX to the property. My loan officer who originally obtained the reverse mortgage has also been in contact with XXXX XXXX, a manager at Champion. My loan officer sent the Affidavit of Change of Trustee and another copy of the complete Amended Trust. Champion still would not give the payoff balance to the title company. The property is in escrow and closing today, XXXX XXXX, XXXX. 
I wrote to the XXXX and the XXXX. The XXXX has filed a complaint against Champion. Champion has refused to cooperate and has repeatedly denied my request for payoff. The buyers for the property are waiting for the title to clear so they can move into the property. This whole process has been absolutely the most frustrating and disturbing experience of my life. Champion and XXXX XXXX are complicit in conducting illegal behavior that no one should be subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 2020-07-24
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I had a hard inquiry pulled by syncb/XXXX ( XXXX XXXX XXXX/ XXXX ) XX/XX/2019. I am a service member who was being forward deployed later on this month to be stationed overseas. 
I have never applied for credit from this company and I called multiple times to confirm, and the company has no records shown of me at all. 
I would like to remove this from my hard inquiries on my credit report. I have tried to handle the situation myself but it is not being taken care of at my level, I would like professional help. Thank you.

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 2022-09-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was called by Toyota Financial attempting to collect a debt. Informed them I was not the person they were attempting to contact. Attempted to gain personal information about me ostensibly to verify this. Refused to provide them my information. They claimed they removed the number from their records and I would not be called again. 

XXXX was called again by Toyota Financial XXXX was called again by Toyota Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON TRANSUNION. THIS ACCOUNT DELETED OFF TRANSUNION, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS 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 explanation
Consumer complaint received 2019-08-11
Company: DISCOVER BANK
State: FL
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 previously notified DISCOVER FINANCIAL SERVICES LLC on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief