BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Collection Bureau of the Hudson Valley, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I have a XXXX XXXX account that's charged off on my report that doesn't belong to me. I have no knowledge of the account and when I ask them to prove to me that it's my account, they're unable to but yet they still won't delete it from my report. I have spoken to the credit bureaus several times and normally when I call XXXX XXXX, I'm unable to speak with someone. I even hired a credit repair specialist to get the account removed and still, nothing! Recently a representative from Collection Bureau Hudson Valley called to speak with me regarding the account and I told them that I have no knowledge of the account. He stated that I needed to mail or email them a letter stating this and told me that emailing the company will get me a quicker response. I emailed the company on XX/XX/XXXX and still has not heard anything back regarding this matter. Per my credit report, the account was opened XX/XX/XXXX and charged off XX/XX/XXXX with a past due balance of {$120.00} and a total balance of {$280.00}. No payments has ever been made on the account because I do not believe in paying for anything that I'm not responsible for. It would be greatly appreciated if this matter can be handled as soon as possible. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
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:
I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all 3 of the accounts, and that all 3 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 3 items remain on my credit report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Account number # XXXX is showing on my report multiple times and is ruining my credit, it should only be one account. I have tried numerous times to get these duplicate accounts removed to no avail. This account is a US Dept of ED/XXXX/XXXX # XXXX has been deleted from my credit report the other accounts showing the same account number need to be deleted as well. Account # XXXX is a XXXX XXXX account but XXXX XXXX was the original creditor. The XXXX XXXX accounts have been deleted from my credit report. XXXX  former name was XXXX XXXX and the XXXX accounts have been deleted as well.

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 2020-09-11
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX I was assessed a late fee the day after paying off my account. 

XXXX? We made a purchase at Lowes. 

XX/XX/XXXX I received my statement showing {$55.00} due XXXX XX/XX/XXXX I received a notice that my payment was past due. I called and they did remove the fee from the account balance, but did not remove it from the minimum due. There was {$44.00} due XXXX of which {$28.00} was the late fee. Even though they waived the fee, they told me I still had to pay the late fee. When I asked the collections manager to explain their payment allocation, he could only tell me it was applied to the balance. He could not explain to in what order it is applied to principal interest and fee. I feel this is the banks way of waiving an assessed fee yet still profiting from it by not removing it from the payment due.

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 2023-04-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX  Account XXXX IN XXXXThey respond another lender purchased the account, but they did not validate the debt. I again mailed the request XX/XX/XXXX XXXX  which they received XX/XX/, tracking number ; XXXX for them to investigate because Im concern the information on my credit is incorrect. 30days has passed and Experian has not notified me of any investigation results. 

I attached my credit report which shows the credit bureaus reporting incorrect date open. Incorrect last date reported. Incorrect last date active. This is a violation. This is impacting me from moving forward to buy a car for my growing family.

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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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 2019-03-28
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Withdrawal was made from my checking account for {$5900.00}. I called my bank to find out who authorized this payment and was told it was from a debt collector. I then called said debt collector and was advised a judgement was placed against me for a supposed debt owed in the amount of {$3100.00} from 2008. I was not notified of said judgement or that any legal action would be taken. They are refusing to return my funds. Also more money was taken from me then Is supposedly owed.

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 2020-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.

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 2017-12-12
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX Social Security : XXXX On XXXX XXXX, XXXX I logged in to my online Regions Checking account to find that a direct debit in the amount of XXXX ( appx ) had been debited to my account causing a balance of XXXX. Then my two auto drafts for my car and house insurance came through and caused the account to be in overdraft. 

I called the customer service line and the only explanation I could get was that someone has evidently written a cashier 's check and brought my account balance to zero. 

On the following Monday, I went to my local branch in XXXX, XXXX XXXX see if they could help me figure out what happened. They called the XXXX XXXX XXXX branch of Regions in XXXX, XXXX XXXX branch manager is XXXX XXXX and he told them that because I did n't have a physical address on file, they automatically closed the account. He also stated he had tried to call me ( I never received a call ) to obtain my physical address. So my account was closed and I couldnt reopen it and the Regions branch in XXXX, XXXX XXXX to open another account for me but I was so upset I said no. I went to XXXX and opened another checking account. 

A few days later, XXXX XXXX the branch manager from XXXX, XXXX XXXX called and apologized and said it was a lack of communication between himself and another employee. He stated that my account balance would be mailed to me and to this date ( XXXX/XXXX/XXXX ) I have not received a check. I am very upset and if this does n't get resolved immediately, my next step will be to take legal action against XXXX personally and Regions bank. I realize that it is a small amount of money but it is the principal of the matter. I hope Regions does n't do this to many other people. 

I need two things from Regions : 1. My account balance returned to me 2. A statement from Regions stating Regions closed the account so my insurance company will charge off the overdraft charges to my account. 

My current mailing address is XXXX XXXX, XXXX. XXXX XXXX, XXXX, MS 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 2023-06-26
Company: EQUIFAX, 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. 

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 DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # 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, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: PENNYMAC LOAN SERVICES, LLC.
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When XXXX XXXX sold my mortgage to Penny Mack, my mail was not forwarded to my correct XXXX address. Automatic payment and contact details were not correctly input by Penny Mack. As a result I had no knowledge that Penny Mack was my new mortgage company and my first 4 monthly payments were not taken. As a result my credit rating is severely damaged and my ability to utilize the VA IRRRL program is lost. 


Penny Mack complaint numbers : XXXX & XXXX Please help, XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: Bread Financial 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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported me 30 days late for XXXX and XXXX. I had made payment arrangements with them for hardship to take money from checking account. Because of this my score dropped 40 points. They assured me this will not happen. That is why I made the payments arrangements. They have me on a 12 month payment plan. They need to update all 3 reports and take the delinquent status off!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX owns my loan but the loan is serviced by a company called Shellpoint Mortgage Servicing. That company will not allow me to escalate the issue beyond what they call a " Single point of contact ''. In this case, the man 's name is XXXX XXXX and he has thwarted any and all attempts to stop my home from being foreclosed on. The company has agreed to and gone back on 2 separate modifications and then when we finally negotiated one, I paid {$5000.00} to them and lost my job. I immediately contacted my XXXX and he said that they were going to proceed with foreclosure. I have filed Bankruptcy several times to prevent the sale of my home but can not get ANY responses from this company. 

I have a paper trail of emails that show how evasive and sketchy the points of contact are. The company refused to put the modification in writing or even a record of the {$5000.00} paid. 

This complaint is being filed at the suggestion of a COO from XXXX  XXXX XXXX because of the company 's unwillingness to communicate or work with me and forcing foreclosure as an only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix financial service acct # XXXX is trying to collect a debt on an ambulance bill. I was asking for more information like an original bill and for a breakdown of the charges. After I wrote them a letter on XX/XX/2019 asking for information, they reported me to the credit bureau on XX/XX/2019 which brought down my credit score. I feel like this is retaliation and plus the last time I was in an ambulance, I had Obamacare. Can I get a copy of the original billed with a breakdown of charges mailed to me? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2019-11-04
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX, XXXX. I went through my savings and retirement while I was looking for work and didn't find a new job until XX/XX/XXXX. That was a 3-month contracting position that ended XX/XX/XXXX. I fell behind on my mortgage and began applying for a loan modification later in XXXX when I found work but at a fraction of what i was making before I lost my original job in XXXX. I was declined the modification and reapplied when my wife started working as well in XXXX of XXXX. My request was declined yet again and I applied for a short-sale and was approved by Suntrust to pursue it. I listed my home with an agent and got an offer which I presented to them but they did not accept the offer. They gave me until XX/XX/XXXX to get another buyer but they set a price that they would accept which was a new stipulation not in the original agreement and did not constitute a short sale at all but one that would make them whole. 
They also stated that if I did not get a contract by XX/XX/XXXX the would agree to accept a deed-in-lieu of foreclosure but expedited the foreclosure process early in XXXX. Now at a court date on XX/XX/XXXX the foreclosure sale date was set for XX/XX/XXXX. The problem is they never actually tried to modify my loan. I know this because they never asked for bank statements. They explained that I was denied because my income was short by {$150.00} per month. They also explained that my payment would have increased by {$150.00} per month based on their modification process. Basically, their process resulted in a larger payment than the one I could not afford in the first place and that increase resulted in me being denied a modification. Where is the relief? The modification process was a farce. So was the short sale agreement since they introduced new terms after I found a buyer. 
I am now applying for a deed -in-lieu of foreclosure but they have lost parts of my application and tell me I will have to start from scratch if they don't have a complete package by XXXX, XXXX. 
They are now working in good faith and have frustrated me at every turn and only seem interested in seeing the foreclosure process through despite my many attempts to resolve as painlessly as possible.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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