BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage loan got transferred to a new servicer, Fifth Third Bank. I tried multiple times to create an online account so that I could pay my mortgage. Each time, the portal said " unable to create online account. '' I tried calling the bank to resolve the issue, but they keep mentioning that I need to wait longer. It has been over a month since the transfer and I am still unable to create the account so that I can pay them properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am, at present, unable to pay my revolving credit card debt and continue to pay my basic living expenses as well. I'm aware that I may owe this debt and do not intend to be reminded be Citi Bank - Best Buy Credit Card, the ( " Creditor '' ), through repeated phone calls, text message, emails and correspondence that I do owe it. Such tactics are nothing more then pressure harassment that will not be tolerated. Currently, there are no issues or specific instances to detail as the account is paid current up to XX/XX/2020, however ; I will not be making payment going forward. Therefore, this complaint is intended to preemptively stop the " Creditor '' from engaging in the harassing collection tactics mentioned above. It is respectfully requested that the " Creditor '' recognize this complaint as a formal " Cease and Desist '' from all collections efforts. Violations of this request after XX/XX/2020, will be considered a violation of this " Cease and Desist '' and will be handled as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX, XXXX XXXX attempted to collect this debt, this is not my obligation. I demanded a debt validation, it was removed from all reporting bureaus. 

Then in XX/XX/XXXX it reappears again on my credit file, Midwest Recovery is reporting it this time. So I do the same, dispute it on all credit bureaus and mail a direct dispute to Midwest recovery. I have attached a copy of this letter. 

It was removed off XXXX and XXXX, but it is being reported twice on XXXX, exact same collection account, different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: AR
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've been disputing my student loans ( XXXX  ) on Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax is reporting inaccuracies, they are reporting that l have late or missed payments, I've been in forbearance since XXXX plus the COVID-19 student loans pause is still in effect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Sent {$75.00} to XXXX XXXX via XXXX for tickets. Did not receive tickets and scammer stopped responding on XXXX. Contacted PNC, was ensured I would receive funds back should the transaction post. Transaction posted and I contacted PNC a second time to dispute. Was informed they would not dispute a XXXX transaction and that a manager would reach out. Manager informed me of the same and did not provide any recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: CA
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:
My credit report is shoeing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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 information incorrect

Complaint:
They are showing a balance of {$92.00} owed to XXXX- which was paid off in XXXXXXXX XXXXf 2022. This account had been disputed multiple times, I've uploaded my bank statement on multiple occasions and filed several CFPB complaints regarding this account yet the balance continues to randomly appear on my report. I paid it off - MAKE IT STOP!!!!

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX 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 2022-02-15
Company: TrueAccord Corp.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/XXXX I have received 6 emails from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX ). It may have begun sooner but I kept dumping them because I assumed they are phishing. Now they have become a nuisance. 

According to XXXX, I owe a balance of {$990.00} to XXXX XXXX. The email says this was an original account with XXXX XXXXXXXXXXXX XXXX XXXX and provides the last 4 numbers of an account. 

The email also says because of the age of the debt, I can't be sued for it and it can't be reported to a credit reporting agency.

For more than 2 decades, we have never carried ANY balance on any account. We have been completely debt-free. 

The dates of emails from them are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I've taken a screen print of the XX/XX/XXXX email. Had to scan it in 2 pictures ( top and bottom ) I have reported this to Kentucky 's Attorney General 's office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Northstar Education Finance Incorporated
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: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX  cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account through online banking and didnt receive the {$300.00} bonus promotion offered. I opened the account in XXXX, XXXX ; majority completed online. Went to the branch about 1/2 mile away from home with my niece accompanying as I am legally XXXX. I utilized the assistance of the bank employee to finalize account and verify I qualified for the promotion. 

Following protocol for promotion ( direct deposit within 90 days totaling $ XXXX ) ; accout in good standing at time of payout. I checked on anticipation date of payout via email on XX/XX/XXXX. I received a response confirming my meeting the qualifications for the promotion on XX/XX/XXXX also. After waiting plus 100 days and maintaining a positive balance I received a payment of {$100.00}. On XX/XX/XXXX I asked what was it for. Please see attached response.

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 2020-12-16
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
will not pay my escrow. loan paid in full. Mortgage was paid off XX/XX/XXXX escrow in the amount of {$XXXX} XXXX has still not been paid as of XX/XX/20

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 2023-09-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX 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 2019-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection letters sent to my grandparents house in Florida. Of a debt. I am not aware of nor does portfolio recovery association have a right to collect. I have no outstanding balances with XXXX  XXXX. My old accounts was paid off off, closed by me & shows that according to my credit report. I have no bad standing accounts with XXXX  XXXX. I have no idea where PRA found this account, this account is inaccurate. 

This company which i hold no contract with nor have received services from reported a credit account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation under the fair credit reporting act and verification of debt. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
hello, I am asking for help with Citi. I have closed my account and paid more than the amount that was owed by more than 30 % as a sign of good faith. They continue to insist that I owe more late fees, that they are charging for late fees in previous statements. Here is a breakdown of the events. 

I paid off my card and cut it up at the end of XX/XX/XXXX. Unfortunately, I had entered the card information for XXXX and forgot about it, so when it came time to add money to the XXXX account on XX/XX/XXXX, they automatically charged {$25.00} to my Citi card. I didn't even realize there had been a charge to this card, and XXXX charge an additional account refill on XX/XX/XXXX, resulting in a total of {$50.00} total charges on this card I thought had been destroyed. Additionally, Citi charged me a {$25.00} late fee on the {$25.00} charge, because I didn't pay that charge ( not knowing there had even been a charge to the account ). 

I then got a call from Citi on XX/XX/XXXX, and was informed by them that my account was overdue. Surprised, I nevertheless paid the {$25.00} charge, and {$25.00} late fee. It was not made clear to me at the time that the balance was {$50.00} + {$25.00} late fee -- I thought the {$50.00} paid the account. I then called and closed the account using the automated service. 

You can imagine my surprise when I again got a call from Citi on XX/XX/XXXX, saying that the account was overdue, and I owed {$81.00} now! I was made aware that there had been 2 charges to XXXX at this time, not 1, and so made another payment of {$25.00} in order to attempt to resolve this dispute. 

At this time, they continue sending me bills for an account that I closed on XX/XX/XXXX, and paid in full the amount I thought was due at the time. They continue charging me late fees on a closed account. I don't want this situation to affect my credit rating, but I feel it is unfair and unreasonable to ask me to pay late fees on top of late fees on top of late fees for a mistake that was primarily theirs.

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 2023-10-20
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XX/XX/2023 I refinanced my mortgage. Arvest Bank took over as the servicer of the new mortgage. My first payment was due on XX/XX/2023 in the amount of {$1800.00}, which includes {$570.00} for impounds ( insurance and taxes ). I round my payments up to {$1900.00} to bring down the principal a little bit faster. My initial payment was sent in as two payments of {$1900.00} each. Both were received by the bank on XX/XX/2023. A few weeks later I received a statement showing that one payment was applied on XX/XX/XXXX and the other was being held to be applied on XX/XX/XXXX. My payments are set up automatically with my bank and the XXXX payment was already processed to be sent on time. 

I contacted Arvest and notified them that they had erred in their processing and that the second payment was an additional principal payment. In XXXX I received a letter from Arvest that they were investigating the situation. Finally, in mid-XXXX, I received a letter from XXXX XXXX, Mortgage Servicing Manager of Arvest Bank stating that the amount had been removed from the XX/XX/XXXX payment and processed as a an additional principal payment, but on XX/XX/XXXX, not on XX/XX/XXXX. 

I am being charged interest on principal that was paid on XX/XX/XXXX. Per XXXX XXXX 's letter ( attached ), the payment was received by Arvest on XX/XX/XXXX, yet they are not processing it until more than two months later. They are charging me interest on principal that has already been paid. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$0.00}

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