BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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:
Dear Sir or Madam : I have reported this ongoing racket and scheme designed to socio-economically control a subject and plaintiff XXXX XXXX XXXX via electronic and physical means. This scheme has been designed and perpetrated against XXXX using his unwarranted invasion of privacy and unfettered access to XXXX 's information electronically stored within servers and on the cloud in XXXX and XXXX where these racketeers constructed, engineered and deployed a sophisticated XXXX that and electronic collection and distribution of his data through XXXX  and a number of individuals from XXXX XXXX NY and other districts whom have been in charge of his socio economic control and linked to his identity. Plaintiff XXXX has discovered a scheme where his FICO score and on the three bureau credit bureaus are being manipulated and divided amongst several participants with access to XXXX whom. XXXX discovered that his Equifax credit score is being reported inaccurately on the XXXX XXXX as XXXX. When XXXX logged into his Equifax account his FICO Score was listed as XXXX. Plaintiff XXXX has filed a lawsuit XXXX to no avail as this scheme is a necessity to a number of rat hos and their law enforcement handlers. They have control of my laptops cell phones and any other method of communications and will only allow me to meet my own credit goals and access to my information as they require.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello yes contacted TransUnion do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-07-05
Company: ID Analytics, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied to XXXX for their credit card. Received a reply from XXXX XXXX XXXX, that, using XXXX XXXX my credit app was denied because I am DECEASED. Most assuredly I am not. I have called XXXX, left a message and no reply. 

This is sloppy credit investigation, poor scrutiny and lousy fact checking. This company needs to be 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 explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
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've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.

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 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
TD Bank is horrible! I have a mortgage with TD Bank that I have been trying to refinance but they do not give or the refinance company the requested info i.e. 12 month pymt history and the pay off letter. I have been asking for it at least 3 times by phone and through online inquiry service. I need to refinance to get my rate lower, get rid of the mortgage insurance, and get funds to get needed work done on my house. They are going to cause me to lose my low rate and miss the closing date. Please help me! This is my 2nd complaint to CFPB about TD Bank. I did get a resolution on the 1st complaint of them putting me in forbearance on my credit report without telling me and not removing it when i asked and they agreed to remove 3 times. 
In my 45 yrs of banking I have never dealt with such an incompetent and non responsive bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
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: Personal information incorrect

Complaint:
I had leased a XXXXXXXX XXXX XXXX through The US Bank leasing program in XXXX, i was a making all the payments and In XXXX i moved to a different address and notified the bank because i was getting my lease bills through the mail. They failed to update the information in there system and the reported a missed payment to the credit bureau because I was late. That has destroyed my credit history. I am a veteran, trying to purchase a home. I have pleaded with them and tried to explain but to no resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Riverwalk Financial Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX  popped up on my credit report on XX/XX/2018. Its says I have an account that was opened with XXXX XXXX XXXX on the same day in the amount of XXXX. I have tried to call the company to see where the account came from but all I have gotten since calling is only music playing. This has dropped all of my scores on my credit report by 42 points and I'm trying to by a home. I have never had an account with XXXX XXXX XXXX. Please help me. I have looked them up online and it says the company is a scam. Please help me. This has set my family back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-10-08
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A response came back from MNET through CFPB. I have reviewed the response made by the business in reference to complaint, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. 
*I didn't ask for validation in my complaint. 
*I asked that the account be deleted in light of the fact that the company failed to validate the account and kept persevering with collection activity despite it. Hence, once again in light of this company 's violation of the FDCPA Sec 809, which gives me the right to pursue this matter in court, I am demanding that the account be deleted or I will pursue this company for the violation

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 2020-10-14
Company: KEYCORP
State: NY
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:
We opened a free checking account in XXXX with Keybank in XXXX, NY. In XXXX, we opened a home equity line of credit with the bank. We discovered a $ XXXX auto deduction on my checking account in XXXX, XXXX. We inquired about these charges with XXXX and XXXX XXXX at Keybank in XXXX. They disclosed that without our knowledge or consent, a bank employee changed our free checking account to a high-fee account requiring a minimum balance of {$100000.00} in order to waive the $ XXXX service fee. At no time in our long history with Keybank, did our checking account ever hold balances near {$10000.00}. The bank has removed a total of {$3100.00} in service fees through XXXX, XXXX from our account. We pursued a complaint and a request for restoration of these funds with the Executive Client Relations Group at Key, where it was handled by XXXX XXXX, XXXX XXXX and XXXX XXXX. At no time did the team communicate with me through email, in spite of repeated requests that they document their actions and decisions in writing. On Friday, XX/XX/XXXX, after XXXX XXXX on a three-day weekend, XXXX XXXX, Case Manager, called to inform us that a final decision  was made and that the bank took responsibility but would restore only {$2000.00} of the money they wrongly deducted. They would keep {$1100.00}. We told XXXX XXXX this was unacceptable, deceptive and fraudulent. Responsibility required full restitution of funds wrongly taken from our account. We asked for a decision in writing. He refused. We asked for a call from a supervisor. On XX/XX/XXXX, XXXX XXXX phoned, repeated that the bank would retain {$1100.00} as a final decision and refused to put the decision in writing. We asked again for a written determination and explanation of the bank 's retention of our funds. He vaguely cited that because we did not catch this automated deduction earlier we were not entitled to a full refund and hung up the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by  staying on my XXXX  and XXXX  credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling my credit reports, I noticed an account listed as Portfolio Recovery that I was not familiar with. On XX/XX/XXXX, I drafted letters to all 3 credit bureaus asking them to verify that this account did in fact belong to me as I have had several accounts listed on my credit report that did not belong to me. In this request, I have asked to provide proof that this account did in fact belong to me per my rights as a consumer. I have received correspondence from XXXX  and XXXX  that the account had been " validated '' and " updated ''. On XX/XX/XXXX, I then sent another letter to all 3 credit bureaus asking them to provide their method of " validation '' and to provide proof, I also sent a request to Portfolio Recovery as well to verify that this account did in fact belong to me. I received responses again that the accounts have been " validated '' and " Updated '' I also received letters in the mail from Portfolio Recovery dated XXXX that they took over this account and a copy of a bill. Both were addressed to a address that does not belong to me. Additionally, this document only verify that an account exists, and does not verify that this account belongs to me. On XX/XX/XXXX, I sent certified letters requesting proper verification of this account. Again, I received the same correspondence from the credit bureaus and the same exact letter from Portfolio Recovery. On XX/XX/XXXX I mailed yet another certified letter requesting proper investigation, proper documentation that verifies this account belongs to me and I received a note back from XXXX  dated XX/XX/XXXX that this account has been " validated '' and " Updated ''. It appears that they are simply " validating '' and " updating '' the record with monthly updates from Portfolio Recovery. To date, they have not done a proper investigation, or provided any proof that this account does in fact belong to me and have violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: OH
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:
I have sent multiple requests for my birthdate to be corrected on my Equifax credit report. I have been requesting the change since XX/XX/2021. It has not been changed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing with the company since XX/XX/2015. I also submitted a ftc report regarding this complaint on the original company with no validation of the debt. I viewed my credit reports and also contacted the other 2 bureaus and they removed/deleted with no problem. I have contacted Equifax several times. I have spoke to different reps and came out with no results. I have sent in my police report 3 times and yet they still have not sent me any information. I have asked for proof that this account is mine. I have been dealing with this going on 4 years. This is not fair to me as a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is close but and not mine and still on my report and I need it removed and I also have inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot is charging my escrow account for insurance I do not need. I have been trying to work with this company since XXXX of XXXX when I was notified they determined I need flood insurance. While working with FEMA on the designation they took out flood insurance and charged my escrow account. In XXXX of XXXX they paid Wind Insurance to my home owners company, yet I live in a condo and do not need Wind Insurance. I already pay HO6 and the condo association pays the master agreement. Yet, they charged my escrow account again. I have have now spoken with eight different representatives at Loan Depot and I'm told I will see a refund and get a call back but I never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have an account with XXXX XXXX XXXX XXXX. During the course of the loan, I went through a Loan Modification program. XXXX XXXX had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. XXXX XXXX is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by XXXX XXXX . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted XXXX XXXX several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. XXXX XXXX is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

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 2020-07-31
Company: Experian Information Solutions 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:
I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

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 2020-11-13
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I am writing this formal complaint in regards to my mortgage with Freedom Mortgage. I have had this loan since XX/XX/XXXX, originally with XXXX. I filed for bankruptcy in XX/XX/XXXX. It was denied several times and confirmed on XX/XX/XXXX. 

XX/XX/XXXX, 12 days after Freedom Mortgage bought the servicing rights to my mortgage, Freedom Mortgage filed a motion for foreclosure. 
An Attorney XXXX XXXX of XXXX XXXX XXXX stated it was withdrawn because I was in Bankruptcy. 

XX/XX/XXXX Freedom Mortgage Filed another motion to foreclose. 

On XX/XX/XXXX XXXX XXXX, Legal Assistant with XXXX XXXX XXXX emailed my Lawyers office stating tat the cure had been satisfied. As you can see because the XXXX mortgage statement said I only owed {$1600.00}. As oppose to the {$18000.00} in XX/XX/XXXX statement. 

XX/XX/XXXX. The Trustee XXXX XXXX started the discharge process and Freedom came back with a cure that they could nopt explain where it was from. 

The first Monthly Statement after the Chapter XXXX was XX/XX/XXXX. It said balance due of {$4600.00}. I paid {$4800.00}. XX/XX/XXXX Freedom statement did not acknowledge the payment and hasn't since. 
I have paid all monies owed through the Trustees stated payments to the Chapter XXXX, In the amount 0f {$23000.00}. see attached. 
AS well as {$600.00} over what shold have bben paid since the cure was acknowledged satisfied on XX/XX/XXXX by XXXX XXXX XXXX. 

I have all monthly mortgage statements and pay history that I have sent to them. Freedom and XXXX XXXX XXXX refuse to acknowledge that the bankruptcy was paid in full of what was confirmed. 

The stress from this has been hard on my family. My wife had a XXXX XXXX last month and was diagnosed with XXXX XXXX. 

The derogatory reporting on my credit report is affecting my professional licensing. 
Freedom has told me several times that it was fixed and then they move forward towards foreclosure without notification. I have hours of recorded phone calls with Freedoms Call center showing this. 
They are now threatening me that if I do not agree to a modification at 3 % on a 30 year fixed, extending my loan another 5 years, by XX/XX/XXXX I will go into foreclosure again. 
So they think I'm worthy of a lower rate of 3 %, which is still .5 % above market pricing on a VA streamline but they still might foreclose. 
That sounds illegal to me. 
Please see attachments that validate everything I'm saying

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 2021-06-05
Company: EQUIFAX, INC.
State: MS
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:
I have sent a letter on XX/XX/2021, to all credit bureaus requesting validation of my accounts listed as derogatory. A period of 30 days had passed and I havent received any responses. I am worried that my records may influence my FICO assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be XXXX mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from Credit Acceptance Corp, I have seen several other auto loan inquiries being reported that are not recognized.

Company response to consumer: Closed with explanation