BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2019 my wife and I were taking proactive measures to ensure we could meet our mortgage payments despite her having become XXXX and no longer receiving employment income. We considered refinancing our 15 year loan but had heard of loan modifications, which seemed easier and cheaper. We called Union Bank and asked if that could be done for us. I admit now that I did not know all the facts of such a program and depended on Union Bank for advice. I submitted some paperwork and was approved and advised to make 4 Trial Payments that were {$210.00} less a month. I assumed the loan modification would be a similar arrangement resulting in our 15 year loan having a reduced interest rate to match the current market rate. The final modification changed our 15 year loan to a 40 year loan, not at all helpful considering we are both over 60. We signed the agreement anyway, assuming it would buy us time to shop for a better 15 year loan. 

On XX/XX/2019 a local bank notified me that I did not meet the underwriting requirements to be the contractor of record for building a residential home for my customer. The reason given was negative credit reporting for the 4 months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/2019 for " delinquent '' mortgage payments. These were the months we paid Union Bank the Trial Period payments, on time, as instructed. We were never notified verbally or in writing that the trail period payments would be considered delinquent even if paid on time, or we would never have agreed to the mortgage modification plan. We would have refinanced the loan. The Trial Period contract states " Please note that except for your monthly mortgage payment amount during the Trial Period Plan, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the Trial Period Plan ''. In what universe should that have caused us concern if we had never been late on payments?

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 2022-02-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My property taxes where left unpaid for over a year, Freedom paid {$790.00} in late fees. I understand taxes increase and so does insurance premiums. However, two increases of impound account should not increase my payment {$760.00} monthly. The paperwork I received XX/XX/XXXX, states my new payment will be {$3000.00}. My payment started at {$2200.00} then went to {$2.00}, XXXX and now is {$3000.00}. I'm a 100 % veteran living on a fixed income. I can not pay this new payment! This matter needs to be handled before my XXXX payment is due, please. The VA requires my loan to be impounded. Freedom mortgage obviously, can't manage my impound account. I have spent days on the phone trying to correct your lack of property tax payment. Please help me. 
Thank you, 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 2019-05-17
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:
Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.

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 2017-07-12
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.

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 2022-02-14
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
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 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 2022-02-14
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of addressing the items listed below, to be updated from my credit reports. They neither corrected nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

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 2017-12-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.

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 2019-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this is a check that i wrote to kohls store it was not paid later i filed bankruptys and included the check for XXXX in it. but kohls is still reporting this ckeck as owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
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 fraud alerts or security freezes

Complaint:
Summary : Experian has a credit freeze on my account, will not lift it, and does not have any way to contact them by phone. 

I have a credit freeze with Experian. I initiated the freeze approximately 10 years ago. In the ensuing 10 years, I was able to remove my freeze using Experian 's online system. Today, I attempted to do so and Experian indicated that they could not verify my information. 

I called, but Experian only has an automated phone system and will not allow me to reach an actual human. 

I now have a credit freeze on my Experian account that I can not lift. I can not reach Experian. And I can not determine if someone has fraudulently changed my information with Experian.

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 2022-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX XXXX accountable for their sloppy performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XXXX/XXXX/XXXX : XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX-XXXX. Sincerely, XXXX XXXX SSN XXXX DOB 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 2017-12-30
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Commerce Bank was offering {$200.00} to open a checking account. I have opened the account twice, and the account was subsequently closed with no explanation before paying the bonus. The company is intentionally misleading potential customers, into opening accounts, and then once they open the account, are closing accounts before the bonus is due if the customer does not open a credit card or take out a mortgage, or use any other products that are more profitable to the bank. 

Additionally, anyone who has opened an account with the bank in the last few years with a bonus offer should receive a mailer from the company or the CFPB alerting them to these practices. The company should be forced to pay what was promised, including lost interest to the victims, and should also be subject to a punitive fine payable to the CFPB or perhaps a different customer watchdog to send a message to Commerce Bank and any other bank that these type of abusive practices will not be tolerated in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-04-26
Company: FIDELITY CAPITAL 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 have filed a dispute in regards to the incorrect items on my credit report it has been more then 30 days and i haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Yes my complaint is with zelle there add states that you can send or receive money safely and secure the word secure means that they are garunttee that it will be covered and they are deing my claim and I did what that said I desputed it with in the 4 days they say in there app I feel that they are very miss leading and false info on there part because I'm now out of XXXX dollars that I sent and was scammed but there sight says safe and secure I feel they should be held responsible for action and what the app says safe and SECURE means they will stand behind what they say but they should have to pay me back for false info they are saying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with XXXX and Transunion in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.

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 2023-07-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I HAVE AN I-TIN NUMBER AND NOT A SOCIAL BUT DESPITE THE SMOUNT OF LETTERS SENT TO THE BUREAUS REQUESTING A REPORT, NO ONE HAS SENT ONE. IN FACT, XXXX, AND XXXX HAS SENT ME A FORM CHARGING ME {$9.00} WHEN I NEVER RECEIVED MY FREE REPORT. EQUIFAX HAS YET TO RESPOND. I DON'T KNOW WHAT TO DO. I NEED MY CREDIT REPORTS TO SEE WHAT I NEED TO DO TO RENT AN APARTMENT. AS OF NOW ITS BEEN 3 MONTHS SINCE I STARTED REQUESTING THIS INFORMATION AND HAVE YET TO RECEIVE IT. CAN YOU PLEASE HELP ME REQUEST MY REPORTS FROM ALL 3 BUREAUS PLEASE. IM INCLOSING ALL MY DOCUMENTS OF IDENTITY. IM KINDLY REQUESTING ALL 3 OF MY REPORTS. I DO NOT HAVE AN SOCIAL, I HAVE AN I-TIN NUMBER.

Company response to consumer: Closed with explanation