BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stating that they agreed the address is fraudulent and had removed it. In XX/XX/XXXX, they put that same address back on my credit report. I filed a complaint with CFPB and Equifax removed the incorrect address. This year ( XXXX ), I see that the same address has been returned to my credit report by Equifax. This company is clearly engaging in fraudulent practices. They have received proof multiple times that this address is tied to identity theft, yet continue to put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: MS
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 sent several letters to Equifax, XXXX and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX, Chase notified us that our escrow account was about {$2300.00} short and that they were going to spread this amount out over a period of months raising our monthly payment by about {$30.00} per month. I contacted them and asked for an explanation, and the information I got from them did not explain this sudden shortage. I then reviewed the tax bills and homeowner 's insurance costs for the last two or three years and the amounts that we were billed by the tax authority and XXXX XXXX appeared to match the amounts that was being deducted from our mortgage payment each month. This past year the taxes and homeowners insurance were totaled about {$130.00} more than the 12 months of escrow deductions. The deductions were not all the same, but most of them were in the vicinity of {$850.00} out of {$2900.00} monthly payment. 
I would just like a plausible explanation for this shortage. Our X/XX/2017 statement says {$980.00} was paid to escrow. If that amount was paid for 12 months, that would exceed the annual taxes and homeowners insurance by almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XX/XX/XXXX through present day I have not missed or been late with a mortgage payment. In XX/XX/XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). In the confusion created by this transaction, payments were mis-applied by me to the XXXX account rather than to the new SLS account. The mis-applied payments were refunded to me, but in the mean time this caused my SLS account to become delinquent. Once I became aware of the situation I promptly paid what was due to SLS. I also informed SLS of the issue and I thought the problem had been resolved. Now my credit report is showing an adverse account and my credit score is 100 points lower than it should be. 
As I said before I have always made my payments in full and on time. But for the XXXX sale of my loan to SLS and the ensuing confusion, I would not have become delinquent on this account. I have spoken with SLS and explained the situation. Their response is that they are unwilling to take any action on this matter because they " don't have to ''.

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 2019-10-03
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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It shows that my payment was late when I had my payments deferred.

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 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I call several week ago trying to get a copy of my report and score from. Transunion. I ways told previous that I would have it in 14 days Ike the Monitoring contract said. However, I call back to XXXX XXXX XXXX AL timeask again for my report. I talk to XXXX. She told me it will be 30 days. I want my score and report because they been taking out the money each month. The contract stated 7 to 14 business day. It been over 14 days. I do not know whether they send and someone else have it or if they have not because the employees are hard to understand what I am asking and IIt hard for me to understand what they are saying. My user isXXXX. I paid for both and I want them both.

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 2019-10-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This complaint is in regards to my Walmart credit card account with Synchrony Bank. When I spoke to a customer service agent on XX/XX/2019 in regards to my partial past due account balance explaining to the agent I was not working and unable to make the full payment being that I had a reduced income at the time due to having to take care of my mother. I understand I have an obligation to pay my debt but when a customer such as me who was struggling with circumstances beyond my control, I was not once offered any credit card hardship program/assistance from this bank to whom I have made every attempt to pay on my balance every single month. Neither did this agent explain to me what would happen if I did not make a full payment or how my credit could be impacted if there were no other options. As a customer I dont feel like I was informed enough to possibly get assistance with my account while going through a financial crisis and I feel this is very unfair because financial emergencies, setbacks and major life changes can come at you quickly, making it difficult to meet monthly financial obligations like credit card payments. I am not pleased with services from this bank and how this has now impacted my credit/credit score.

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 2018-09-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Well for the last few months I have been sending XXXX XXXX, Equifax, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXX bank account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The final invoice that was given to me by the apartment complex is different than what was presented to me by the collection agency. The reporting is inconsistent and should not be allowed to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When shopping for a home loan, one of my criteria is that the mortgage company would have a bi-weekly or twice-monthly payment plan that accelerated the payoff of the loan, and saved considerable interest, by crediting interest savings from the split payments. 

The loan officer representing Citizens One bank stated his bank had such a plan. He even documented how the plan would work in explicit detail in an email message. 

However, when the payments were made bi-weekly, starting in XX/XX/2019, reconciling mortgage statements with the amortization schedule provided at closing, it was apparent that the payments they were not being applied as expected given the documented explanation of the loan officer employed by Citizens One. 

What happens is that Citizens One buffers the payment until the due date and applies the split payments as one payment. So, there is no accelerated payoff from this aspect of the program. By making bi-weekly payments, there are two months of the year where three payments are made, amounting to an annual principal deduction equivalent to one monthly payment. The interest savings and payoff acceleration from this aspect of the program are inconsequential. 

After unsuccessfully trying to resolve this will the loan officer and Citizens One phone representatives, the loan officer transferred the complaint to the Citizens One Office of the Chairman, and I lodged a complaint with the XXXX XXXX XXXX in XXXX. I provided the representative of the Office of the Chairman with a detailed accounting of the problem in a document that included the loan officer 's explanation. The representative responded via hard copy mailed on XX/XX/2019, and via a XXXX response on XX/XX/XXXX. 

In her response, she stated that the payment plan does not process payments in the manner explained by their loan officer, and I would not realize the accelerated payment or interest savings as expected. However, she did not directly acknowledge that the loan officer misrepresented the payment plan. This leads me to believe that the loan officer will continue to misrepresent the payment plan, and so this complaint to the CFPB. 

I will provided to the CFPB the documentation provided to the Citizens One Office of the Chairman as an attachment. 

It is my belief that Citizens One is an untrustworthy mortgage company and should be investigated for this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My dispute is based on the requirements listed in the Fair Credit Reporting ACT Section 605 paragraph ( a ) section ( 4 ), ( 5 ) and paragraph ( c ) section ( 1 ) and ( 2 ). 

Credit Bank of America is in violation of said ACT by continued reporting of said debt, BANK OF AMERICA # XXXX. 

Although the debt was satisfied on XX/XX/XXXX, the account went into collections in XXXX of XXXX and was more than 90 days delinquent at that time. Accordingly, the FCRA states that adverse accounts may not be reported after 7 years since the account first  became seriously delinquent. 

I disputed the account with all 3 of the major credit bureaus and Bank of America. Instead of requesting that the bureaus remove this account, Bank of America continues to refresh the account by modifying the maximum delinquency date, thus keeping the account on the credit bureau 's reporting system. 

As you can clearly see in the attached credit report, the date of maximum delinquency for this account in XXXX of XXXX, is 120 days. This more than satisfies the requirement to fully remove this account from all 3 credit reporting agencies.

Furthermore, the presence of satisfied debt is affecting my ability to obtain satisfactory loan rates and potential employment opportunities.

Bank of America is in violation of the FCRA and I am demanding that they ( 1 ) request that all 3 major credit reporting bureaus remove the account from their systems and ( 2 ) immediately stop refreshing the account data.

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 2020-05-01
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
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: Other problem getting your report or credit score

Complaint:
I received a letter from NCTUE on XX/XX/20 stating that a negative entry had been made on my data report. 

I have made repeated calls to their automated system to obtain that report and the process fails every time. It has me input my social security number and the numeric portion of my home address. Each time the system tells me that my data report has been located and then says that " There was a problem processing your request. Please try calling again later. '' I have called several times this week with the same result. They provide no other means of contacting them other than via the useless and broken automated system. I have a legal right to that data report and their incompetence is denying me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in a complaint to Transunion in regards to Inquiries on my credit file that I did not make and Transunion said that these inquiries were verified, so I wrote Transunion again and ask, who verified these accounts and to send me documentations, names and number of the person or persons who verified these inquiries and still nothing from Transunion. I filed an Identity Theft document and sent to Transunion and yet these inquiries still remain on my credit file. I have done research on these crooked credit bureaus. I would like a live person to investigate my complaint instead of putting letters that I send thru XXXX which do not verify anything. 
Inquiries : 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 explanation
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: I.C. System, Inc.
State: UT
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.C. Systems account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.

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 2021-09-17
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I have filed multiple reports against XXXX XXXX XXXX. Currently I have multiple accounts negatively reporting on my credit reports daily, yearly and in multiple collections accounts in their behalf. These accounts are false! I took out a loan with XXXX XXXX  and later refinanced the loan after paying it down. This was suppose to close the old loan and open a new loan. However they never closed out the old loan in the system and we were being billed double. We complained and nothing was done and they charged off our account. After the company was sued in a CLASS ACTION LAWSUIT we received a debt forgiveness letter and tax form. We paid taxes based on the forgiveness and it was never applied properly to the accounts, collections or credit bureaus. Instead multiple accounts, multiple collections all with different amounts and dates with various company names are being reported. This is reflected in the loan dates XXXX XXXX XXXX OPENED ON XXXX, XX/XX/XXXX, XX/XX/XXXX. Were also being charged for a loan for XXXX XXXX AND XXXX XXXX. XXXX XXXX is now named XXXX XXXX. My loan was paid in a timely matter until someone messed things up as you can see in my history with the original loan. This is Fraud. Im being harassed by bills that arent even valid. The company was sued by a CLASS ACTION LAWSUIT and we received a forgiveness letter with a tax notice to summit with our taxes however their are multiple collections with various companies for multiple loans and amounts opened in my name and credit. Everything has the wrong information most importantly my credit report and account history with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They have been several occasions where Selene Finance was paid on time and they charged us with late fees. Their payment due dates are between XX/XX/XXXX XX/XX/XXXX, we were told that if they were paid within those date ranges we would not incur any late charges. We began paying them on XX/XX/XXXX after I got off from work and they would still charge a late fee. When I inquired about why we were receiving the late fee then they said that we had to pay by XXXX XXXX. The problem with that is their system is down from XXXX XXXX to XXXX XXXX which makes it difficult to comply with their rules. <P/>In addition to the above mentioned, we decided we would chose a different Home Owners Insurance from what we had when our Home Loan was first sold to Selene Finance because we would get a group discount. Without our consent Selene finance changed it back to the original HOI provider and once we inquired about why this was done we were told that they didnt know. We then asked them if they would switch it back to the provider of our choice and they told us that we could but we would have to pay it in full ourselves and they would reimburse us the money they paid. We have many more issues with Selene that they have yet to address. <P/>Thanks XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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: Account information incorrect

Complaint:
Equifax has made false allegations, and caused me a great disservice ... the erroneous negative reporting is affecting my life, and now they are stating that they will not provide an answer through the cfpb 's portal, because I may be using a credit repair company or clinic ... I am not, but even if I was it is at my discretion, and it is my right ... 
Can they just abide by the F.C.R.A. and act accordingly? 

this is an unjust tactic or measure they use often according to other consumers ... I want the items removed and an apology for the false claims ... litigation may follow indeed ... 

These accounts were settled with the original creditors, and no contracts exist with collection agencies and no validation has been provided, because it does not exist, and creditors have been contacted ... and I am yet to even receive the false investigation from Equifax ... 

XXXX XXXX {$82.00} XXXX XXXX {$75.00} XXXX XXXX XXXX  XXXX {$1400.00} charge-off

Company response to consumer: Closed with explanation