BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX  is not reporting this account, Equifax is not reporting this account, XXXX  XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XX/XX/XXXXis not reporting this account, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file,XX/XX/XXXX Account Number XXXX XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX is not reporting this account, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, XX/XX/XXXXis not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, XX/XX/XXXXand Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, XX/XX/XXXXand Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I sent a 609 Letter to Experian asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an 611 letter to try to resolve the matter. Experian did not do their due diligence in correcting matter. XXXX intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX account is old and requires removal from my credit report. I have made over 5 disputes in reference to this matter. To no avail Experian verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Experian stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. The Experian disputes report numbers are 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 explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/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 2020-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
Greetings, This complaint is against Citizens Bank located at XXXX XXXX  XXXX XXXX XXXX, Mi XXXX. Recently I noticed or I shall say I became suspicious of inconsistent transactions on my account. Money is disappearing from my account without my authorization. And that's just the beginning of my problem. 

On XXXX XXXX 2020 I noticed a transaction that was unauthorized and i called the bank immediately to report the transaction as fraud. My account was closed and the representative has issued me a new card. During the conversation with the Bank Representative I stated that I will like mailed copies of my entire transactions history. I was told I will be charged for wanting mailed copies. The Rep suggested online Banking about transaction history and she gave me an id number and reset password code. 

On XXXX XXXX 2020 at around XXXX I called Citzens bank because my online banking account was blocked. I spoke with two representative before they ended the call and stated that I could not have access to my online banking history. I was told that I can't look at my transactions history to determine any other incidents of fraud on my account. At that point I asked for an address to file a complaint and i was given a po box and an unknown number to call in regards to complaints. I asked the representative to transfer me to a supervisor because I didn't understand why I was denied access to my account, given a PO BoX address to file a complaint, and given a number to call that isn't associated with my bank. 

As of today XX/XX/2020 I can't access my online banking account, I can't get any mailed copies of my banking history, and I can't speak to any supervisors at Citizens Bank. I was placed on hold to speak with a supervisor for 2 hours and 36 minutes before the Bank associates ended the call. I call back and the representative say 'Hello ' right before they end the call. I call back and the cycle continues. The Representatives at Citizens Bank are nasty, rude, disrespectful, and psychotic. Can you call me as soon as you get my complaint. 

My name is XXXX XXXX. My address is XXXX XXXX, XXXX XXXX, Mi XXXX and my cellphone is XXXX XXXX XXXX. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The representative hung up in my face ( XXXX '' ). I called back and explained that I had filed a dispute for a purchase of goods using my debit card.

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 2020-12-02
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CrossCounty mortgage refuses to provide me with a loan estimate until I provide them with a signed purchase contract. 

On XX/XX/2020, I spoke with XXXX XXXX of CrossCountry Mortgage who identified himself as working with loan officer XXXX XXXX XXXX ID # XXXX at CrossCountry mortgage. After a brief phone conversation, I was directed to fill out a mortgage loan application on their website, which I completed, along with extensive documentation regarding assets and income, on the same day. On XX/XX/XXXX, I received an email from XXXX to tell me that I had been pre-approved for a mortgage. Attached to email was a letter signed by XXXX stating that my credit, assets, and income were reviewed. I also received a notification from XXXX  that CrossCountry performed a credit check on XX/XX/XXXX. 

On XX/XX/2020, I sent an email to XXXX and XXXX requesting a loan estimate. In my request, I included the property address, property value, loan amount, as well as an estimate of other fees, including HOA and homeowners insurance premiums. 

XXXX responded that CrossCountry is unable to provide a mortgage estimate without a purchase contract. This is despite CrossCountry reviewing my mortgage application and me providing them with all of the details they would need to provide me with an accurate loan estimate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We made a normal, typical payment to our mortgage on XX/XX/2020. The electronic transaction cleared our bank, but the mortgage company, Planet Home Lending, did not process it or credit our account. They simply kept the money. 

They have refused to refund our money. I have sent numerous emails and have called several times. All conversations are run-a-round or blatant lies by the customer service personal. 

We have never missed a payment. We are not in arrears. In fact, the loan has been paid off in full. The payment on XX/XX/XXXX wasn't processed or counted for in the loan. We've demanded a refund several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2019-11-09
Company: Rozlin Financial Group, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
rozlin financial group put collection in my credit report on XXXX XXXX for {$1400.00}. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TD BANK US HOLDING COMPANY
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:
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXand XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Bread Financial Holdings, Inc.
State: MA
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:
These are inaccurate. I hope you can help me get this corrected. 

Date Last Active : XX/XX/2019 XX/XX/2019 Date of Last Payment : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Uplift, 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:
im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CL Holdings LLC
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:
This is a complaint against XXXX, Jefferson Capital, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to Jefferson Capital, INC.

Jefferson Capital has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with XXXX and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX XXXX documents to my dispute filing with XXXX to serve as proof and make their job easier. XXXX ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Shellpoint Partners, LLC
State: WY
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/XXXX, XXXX  accepted an unvalidated debt from a company called New Rez-Shellpoint Mtg. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, XXXX  removed it from my credit report. 60 days later in XX/XX/XXXX, New Rez-Shellpoint reported it to all three credit agencies again. XXXX  and XXXX  removed it immediately due to past investigation. For a second time, XXXX allowed it. I disputed it again. XXXX  just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why XXXX  has reinserted a unvalidated deb that was removed 60 days before. I work for a XXXX, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: MOHELA
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 status incorrect

Complaint:
I have mailed out 2 request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company paid my property taxes without my permission after I was forced to pay  them to XXXX   and XXXX counties after the mortgage company threatened me even though I am protected under Texas law for a XXXX XXXX protections and broken up payments throughout the year.  They have changed the entire structure of my mortgage without my permission to increase my payment by over a $XXXX a month which is three times my mortgage payments and are breaching the mortgage agreement I made when I purchased my home in XX/XX/2006.  This is illegal in the state of Texas and goes against the Fair Credit Act, because even though I have paid double payments to close out this fraudulent collector they failed to apply my XX/XX/XXXX payment, held it in a unapplied account, charged me late fees, started foreclosure, and reported to the credit bureaus I did not make my payment and yet it was already in their account.  And when they chose to apply it, rather than following the instructions on the checks to be principal only payments, they chose to apply to future mortgage payments and illegally charged me compounding interest over the last four months.

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 2023-01-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to contact their customer service but still they didn't answer me right how to restore my account my account permanently limit in PayPal and I don't know how they didn't even give me explanation why my account restore I didn't do anything wrong, now they said I will wait 180 days to get an email about how I will get my balance there but still no emails receive in them the 180 days are over so pls help neto  get my balance and restore my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Amerihome by phone number at least 6 times and written them 3 letters and emailed faxed regarding this issue. The release of the escrow funds and lowering of my monthly payments has not occurred yet. I am a XXXX Vet and property tax exempt acknowledged by the state of Texas. I have provided proof multiple times and Amerihome refuses to release the escrow funds or adjust my mortgage payment until XX/XX/2020. There has not been a definitive date yet.

Company response to consumer: Closed with explanation