BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$170.00}

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 explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. 

A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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:
XXXX reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: AMERICAN EXPRESS COMPANY
State: NY
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 contacted bluebird customer service on XX/XX/XXXX about my account was locked. They started an investigation which will take around 6 months to complete. I called again on XX/XX/XXXX. The operator said due to covid they have to re evaluate the investigation. I still have {$400.00} remaining balance which I still have not received till today. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
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: Account information incorrect

Complaint:
I tried to resolve all the problems in my credit report with the bureaus but they don't want to investigate about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Diversified Adjustment Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in XXXX XXXX, Iowa in XXXX. I incurred debt to XXXX  XXXX  XXXX  during my time there. Diversified Adjustments is a debt collector agency which claims my debt is from 2019! This is clearly in error and against the law to show on my report. XXXX  does not show this mark account at all. I will even concede that I still owe even though I know I paid this. I must have lost the receipt. Please honor logic and change the account open date to sometime close to when I lived in XXXX  XXXX  XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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:
Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX  refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX  credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collections debt from XXXX XXXX XXXX, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is XXXX XXXX XXXX. The original creditor was XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report to find information that don't belong to me please have this item verified with my original signature. I would like to have this 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 2019-05-28
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law charged me 10 months for services they claimed in marketing, email, and via telephone that they performed. They did not perform what I paid for. Also, today they admitted to not sending out a higher level of dispute letters which was requested 6 months ago. These fees and services are misleading, deceptive, and inaccurate. They targeted myself and attempted to force me to target my family to join. I attempted to cancel and they do not provide any way to cancel online. They force you to call or email. I did both and it still took days to cancel. Furthermore, they refused to refund the charge even after I submitted a request to cancel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i fell behind and asked for a hard ship plan due to lost of income i am working the hard ship plan im on is XXXX dollars a month wit 4.9 apr for 60 months but this is NOT being honored by the bank i went to XXXX XXXX XXXX   and seen the manger we called the credit card part of the band thy stated im XXXX dollars behind im not thy also told the manger thy expect me to pay double and triple payments this in not in my agreement with them thy also rported me now 4 months late i am not also thy said you might have made a payment in XXXX but this is not this months payment when it was ive hade nothing but problems with is bank and something needs to be done also was told to bring on a law suet by this company by one of there supervisor and said to BRING IT ON SHE STATED thy also sent me a letter saying im seriously past due i have all paper work and i ask for the CEO to contact me but thy will not have any one contact me with my concerns i even offerd then a XXXX to settle the account got told to call some number and the computer will state what i need to pay and that was a supervisior this is a lot going on here that needs to be looked in to thy are in the rong and im asking for your help

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 2023-03-09
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 submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}.

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 explanation
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My brother passed away XX/XX/2021. He was born, lived, and died in Colorado. As the Administrator for his Estate, I opened probate in Colorado. His IRA with Bank of America was closed as part of the settling of the Estate. Bank of America withheld money from the account for tax purposes, but instead of sending the funds to Colorado, they sent the withholding to California. I had to take money from estate funds to cover the amount owed to Colorado, as they wouldn't wait to be paid. Bank of America tells me it's my problem, and I have to retrieve the funds from California. California says Bank of America needs to correct their mistake. The amount is {$1300.00}. It's not a lot of money, but I can't close probate until the money is returned.

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 2020-10-14
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I made a purchase for XXXX and was debited three times for the same purchase. The first two transactions showed an error that it could not be completed and advised me to try again. The second attempt was the same result. The third attempt was successful and processed. But upon looking at the online statement I discovered that I was charged for the first two unsuccessful  transactions. I immediately sent them a certified letter disputing the charges and also faxed a letter of dispute to them. I waited 10 days to see if a provisional credit would be applied, at which point it was not, so I called and waited the 8 hours on hold to speak with someone. They informed me that they had to process the complaint for me and send out a form for me to fill out. Which is a lie. I did everything I was supposed to do to notify them, even being proactive  and sending in the proof first. So it was 20 days before I received the credit to the account. Seven business days later and the credit was reversed on my account with no notice given and to this day notice has still not been sent to me. Rules set by Regulation E 1005.11 ( d ) were not followed at all. And two months later I still can not get an answer to the investigation. This company needs to be investigated and I do not understand as to why they have not been. There are NUMEROUS accounts that I have found online just like mine, yet they are allowed to do what they want with our money when we are FORCED to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX  transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX is/was no longer my service provider and has reported my account being 120 days late!

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 2020-11-17
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I requested a security freeze with Lexis Nexis for my Lexis Nexis account in XXXX. In XXXX in addition to requesting a security freeze, I also opted out of any C.L.U.E reports with Lexis Nexis. I asked that the information Lexis Nexis had for me be frozen and not available to anyone including credit reporting agencies and possible employers. ( Please see the enclosed letter dated XX/XX/20 ). 

On XX/XX/XXXX, I received 2 ( two ) letters from Lexis Nexis confirming both my freeze as well the opt out. ( see the enclosed letters ). 

XX/XX/XXXXis saying they were able to verify public record information about a bankruptcy on my credit report by using Lexis Nexis. I demand to know how Lexis Nexis obtained any information regarding my social security number and a bankruptcy filing. I need to see proof my social security number on a bankruptcy filing. I demand to know how Lexis Nexis is validating any information in my Lexis Nexis files after granting a freeze that I have never requested be lifted. I demand that this erroneous information be removed from my information Lexis Nexis or Lexis Nexis file immediately. I demand that Lexis Nexis correct the false information they illegally supplied to XX/XX/XXXX and the bankruptcy information be removed from all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.

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 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened XXXX XXXX Balance : {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a loan with agreed upon terms which included refund of escrow in the amount of {$3400.00}, no closing fees, two months deferred payments and lower monthly mortgage. 
Our previous complaint # XXXX. Planet home Lending applied amount to old loan payoff using a document from a previous loan application. My resolve would be a lender credit in the amount of {$3400.00} to cover escrow funds due to close this matter.

Company response to consumer: Closed with explanation