BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Payoff Nondisclosure of Recording Fees : I contacted Mortgage company for payoff information of my mortgage on Wednesday, XX/XX/2018. The representative advised me of my payoff amount for XXXX different dates disclosing if I wired the funds to Mortgage company there is a {$15.00} wire/processing fee but did not disclose any additional fees to me. I called again Thursday, XX/XX/2018 to confirm my payoff amount for the date I was wiring the funds and again was informed of a {$15.00} wire/processing fee and no other fees. 

XX/XX/2018 I wired the payoff amount plus an additional {$42.00} and change to round to the next XXXX dollar. When I checked my account to confirm they received my wire the amount was recorded minus {$65.00} of the full amount I wired. Upon contacting Mortgage company to question the missing {$65.00} I was told there are recording fees of {$25.00} and {$40.00} that was never disclosed to me on any previous calls or conversations. 

I called XX/XX/2018 to speak with a supervisor regarding the nondisclosure of the recording fees and I felt they should be paying the recording fees since it is Mortgage company 's responsibility to record the release of mortgage and any other required documents. Also, since the {$65.00} of recording fees was never disclosed it was company 's failure to disclose that they should waive those recording fees. The supervisor was not interested in " the customer is always right '' motto and proceeded to defend company and that I was responsible for the recording fees. 

I am a XXXX XXXX XXXX in 2 states and if I fail to disclose some of the simplest charges or information to the public I am accountable and can encounter reprimand and or fines from governing commissions or agencies. I am under the impression with the tightening of the rules & regulations ( Dodd Frank ) that disclosure was not only necessary but mandatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to submit my dispute regarding the one fraudulently opened XXXX account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 2018-10-03
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account off on XX/XX/2018 paid and Full with Convergent outsourcing via XXXX Convergent gave me a settlement of {$62.00} out of the {$200.00} that was originally owned I paid it into two installments {$12.00} on XX/XX/18 & {$50.00} on XX/XX/2018 I gotten two emails from XXXX showing proof that they got the money Also conformation Number that is was paid I called XXXX on XX/XX/2018 An agent called convergent to verify that it was indeed paid I requested it to be removed off of my credit report And theyre still say I owe and its paid

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 2019-11-05
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:
Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2020-12-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/20 I bought a new car from XXXX XXXX XXXX in XXXX NC. I financed the car with TD Auto Finance, XXXX. XXXX XXXX would not except a Credit Union letter I had for purchase stating that I and the Credit Union was out of state. On XX/XX/20 I refinanced the car with my local Credit Union " XXXX XXXX XXXX ''. On XX/XX/20 the Virgnia DMV mailed the title to TD Auto Finance, LLC. On XX/XX/20 TD told me that the title had been released to XXXX on XX/XX/20. On XX/XX/20 TD told me the title had been mailed to XXXX on XX/XX/20. On XX/XX/20 TD told me that they had never received the title from the Virginia DMV. XXXX XXXX XXXX paid off the loan to TD but TD apparently refuses to release the title. I am told something different every time I communicate with TD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a a complaint requesting that Credit Bureaus reinvestigate the disputed accounts from my credit report as well as FIXthese accounts from my report during the investigation period. As of this date, they have failed to respond to my request.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$57000.00} DP OF EDUC XXXX Balance Owed : {$71000.00}

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to submit my dispute regarding the one fraudulently opened XXXX  account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.

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 2023-01-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax submitted an errored report to a mortgage lender. The submitted report does not reflect the correct credit score and noted several account delinquencies that are not reflected on the credit report. When Equifax was contacted, they advised that these items are not reflected on the credit report. Therefore, they do not have anything to dispute. I, the consumer, was only made aware of this inaccurate reporting of the credit score ( resulting in XXXX points lower than the actual score ) and derogatory remarks by the lender sending a document that summarizes what was reported to them. Equifax 's error in reporting the correct credit score resulted in an inferior loan rating and product offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: NJ
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 A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I deposited, into my personal SunTrust account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called SunTrust corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed SunTrust the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. 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 explanation
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Last year because when I was going thru a rough time due to going thru a divorce my accounts where closed after years of being with Chase for overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Transunion and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, Closed date XX/XX/XXXX XXXX. XX/XX/XXXX last activity, XX/XX/XXXX closed date Transunion. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, XX/XX/XXXX Transunion and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing Transunion XX/XX/XXXX, XXXX has no date nor does XXXX. Closed Date is different, XX/XX/XXXX XXXX, Transunion XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.

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 2017-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, 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:
I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent a second FCRA dispute to all three credit bureaus via certified mail and including a clear colored photocopy of my drivers license and social security card. I received a letter from Equifax asking for these documents on XX/XX/XXXX before they claim they will begin to dispute my items. They are reporting a bankruptcy as verified when I sent communication from the court stating that they do not verify any consumer information to any credit reporting agency. I have sent 3 FCRA dispute letters along with this information since XXXX of XXXX to no avail! Equifax is violating my FCRA by listing inaccurate credit information damaging my ability to obtain credit by continuing to report inaccuracies. They are using tactics to stall when they have all the necessary information to remove these items. There has been NO activity changes or otherwise on my file since XX/XX/XXXX despite receiving several attempts to clear this. My next action will be to file a lawsuit against Equifax and CFPB for allowing these fraudulent and unfair credit reporting practices. I want the accounts that I have submitted as not mine/inaccurate to be removed as soon as possible!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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: Their investigation did not fix an error on your report

Complaint:
There is a company that i do not have a relationship with and know knowledge of that is reporting on my consumer report. i have disputed with the credit reporting agency Multiple times and still just a vague response saying its verified. The company XXXX XXXX is who i am speaking of. I do not have a relationship with this company whatsoever. As a consumer i know i have a right to privacy. Also Pursuant to 15 USC 1681b ( 2 ) i know a consumer reporting agency may furnish a consumer report in accordance with the written instructions to the consumer to whom it relates. I did not give the creditor nor the credit reporting agency permission to put this inaccurate information on my consumer report ( Experian ) and would like it removed immediately.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Collection Bureau of Kansas, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was resident of XXXX, XXXX  for 7 years and always paid my city bills ( water, sewer, etc ) on time. During this COVID pandemic I moved to XXXX  and closed all my service accounts. I faced the XXXX   XXXX challenges and the XXXX XXXX department filed a derogatory claim on my credit file for {$120.00} dollars which as soon as I found out I paid it. They couldn't reach me because I was unavailable due to the XXXX and I couldn't pay before. I found it very unfair to post this type of claims that damage my credit reputation just because of one small balance, even when I paid always on time and the account was closed before moving to XXXX  and now the balance is paid, I need this claim to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems contacted me about a bill and I requested an itemized statement but was told no, they said they were sending a fraud packet, and it was never received, thereafter IC Systems added the bill to my credit report, despite knowing there was a dispute and they have no billing statements or other information, except to say my last name is " XXXX '' and then today when I contacted them, it is suddenly XXXX, but still no itemized statement or other information. 

I asked for the phone number of the XXXX where they received the collection and the woman stated, we don't contact our clients and we don't have a phone number. I asked to speak to the owner-operator and they say he doesn't take calls.

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