BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called to ask what credit reporting bureau 's score does Fifth Third use for auto loan consideration. I was told XXXX. I know I need a score of around 630. I have Identity Alert which gives me my 3 scores monthly. I had just saw my report and scores yesterday. I already knew I wasn't at 630 on XXXX. The representative did not say, " I can run a credit report ''. After running my report she says, " your score is XXXX, which is a little low ''. Call us back later. Again, I already knew my score. I thought she was giving some information to help me. I gave her the information and she gave it back. I do not want a hard inquiry on my report for that!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: TN
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 has been over 6 months that I have submitted documentation to Equifax  to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax   keeps telling me its one account but I can not verify myself. equifax   continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello my name is XXXX XXXX my social security number is XXXX the reason for this complaint is that I have been a member of fifth third since XX/XX/XXXX of XXXX I open up a savings account and a basic checking account I set up bill pay for items to be automatically paid out of my checking account. XX/XX/XXXX I graduated from a basic to an essential checking account based upon good account activity The problem comes in where fifth third Bank risk Management department decided to restrict my account XX/XX/XXXX of XXXX and later closed my account 60 days after that date There has been a domino effect of problems that have occurred because of the restriction to my account there were checks still going out for my account that needed to be stopped but I could not because I had no authority to do so my own account I contacted the corporate office of fifth third Bank and my contact person was XXXX XXXX and her supervisor pet which is a compliance officer with regulations I have had broken promises wife both XXXX XXXX and other individuals in the fifth third Bank family andthere 's still no resolution to my problem and the past 70 days I have contacted fifth third Bank numerous times for Domino affecting things that happened because of account my account was restricted the two checks that was going out automatically by bill pay was not stop there for the entities try to cash the checks which there was nsf 's and late fees that they require me to pay I am for the corporate office numerous times about the issue of me not having control over these checks going out I have asked numerous times could they give me a better reason other than account activity so I will know how to not do whatever it was that I did to put me in this predicament and there's still no resolution as of yet till this day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXX 's XXXX  ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXX XXXX XXXX. 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.

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 2019-04-04
Company: EQUIFAX, INC.
State: KY
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:
I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. On XX/XX/XXXX I checked my credit report with XXXX and Equifax and my XXXX Report showed XXXX scoring while Equifax showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( XXXX XXXX and Equifax XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from XXXX in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX 's account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX 's account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.

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 2019-07-20
Company: Westwood Legal
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX is the phone number to call and you can not leave a message. I do t know who they are or what they want. I told them to stop calling my work. They say in a voice mail they are suspending my bank accounts and taking tax returns. They do not identify who they are. When I asked when called my work they dont say are. They do not say they are a debt collector. They constantly call my phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX called Citicard at XXXX regarding my account ending in XXXX due to two electronic payments ( XX/XX/XXXXcheck # XXXX and XX/XX/XXXX Check # XXXX - {$80.00} ea ) that were returned to my bank ( Chase ) by Citicards. 
I spoke with XXXX at the customer service number listed above who was unable to explain why both of my payments above were returned. He advised me to change the mailing address from the XXXX XXXX SD address to XXXX XXXX XXXX XXXX AZ XXXX and he took a debit card payment for {$80.00} with me over the phone to resolve the situation. 
However, upon receiving my XX/XX/XXXXstatement I saw the same problems was happening as credit for payment Chase bank states were paid are not reflected on my account statements via Citicards. 
I again called the XXXX number on XX/XX/XXXX and first spoke with XXXX who confirmed no payments were posted to the account ending in XXXX and was also unable to tell me why. 
I asked to speak with a manger and spoke with XXXX ID # XXXX who via a three way call to Chase bank with me to verify payment, stated she would note acct, request an investigation. Yet I received a letter XX/XX/XXXX requesting bank statements within 30 days to prove all that was confirmed with manager to keep the conditional {$80.00} credit resulting from my conversation with XXXX. 
However, today I received notice form Citi cards in another letter that they were reversing the {$80.00} credit that ensued from my XX/XX/XXXX telephone call inquiry and with out any reason as to why. 
It appears that I am being penalized for being a responsible and proactive customer and would like this matter looked into further in order to help me resolve it. 
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 2019-07-20
Company: Aldridge Pite, LLP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX, was in the process of being approved for a short sale with my servicer XXXX XXXX XXXX , XXXX ( XXXX ). 

I was aware that I may have some negotiable contractual issues with the current interested buyer ; however, I was unaware that the Short Sale was denied and or closed. As, my servicer ( XXXX ) did not send any written notice via mail or electronic notices through their on-line portal which is directed to my email. Wherefore, I was unaware that the Short Sale was denied and/or closed. 

On or around XX/XX/2019 I began to receive postcards stating that my home was in foreclosure and would be sold at public auction on XX/XX/2019. 

To date, ( XX/XX/2019 ) I have not received proper notice from the servicer ( XXXX ) stating that my short sale was denied and that my loans was directed to the default department. Nor have I received any written communication to date from the advertising law firm ( Aldridge and Pite, LLP ). 

From my basic understanding of Georgia Foreclosure Laws, Aldridge and Pite, LLP are violating state ( Georgia ) and federal laws ;  including but not limited to the Fair Debt Collection Practices Act. 

Aldridge and Pite, LLP has failed to give notice that they are in fact the debt collector assigned to my mortgage. Aldridge and Pite, LLP has failed to give me notice of the current holder and owner of my mortgage and the amount of debt they are collecting nor was I given the proper time frames per law to question the validity of the debt they are collecting. 

I have checked the Georgia State Public Notices website and it appears that Aldrdige and Pite began to advertise the sale on or around XX/XX/2019. Per state law in order for a sale to be valid it must run 4 full weeks/30 consecutive before the sale date. 

To date, I am not sure if XXXX has denied my Short Sale request and sent my loan to Aldridge and Pite, LLP or if Aldridge and Pite, LLP are working without the direct consent of SPS.

I have sent proper notice to Aldrige and Pite, LLP however, to the best of my knowledge they are still advertising the sale and have not removed my home from the XX/XX/2019 sale date foreclosure list. 

Which is why I am composing this complaint because XXXX as well as Aldridge and Pite, LLP have violated several state, federal and consumer protections laws. 

Cordially, 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 2019-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM
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:
On XX/XX/XXXX we were alerted to a change in our credit report via XXXX XXXX. This change was from our current mortgage lender Select Portfolio Services. This change was a remark added to the report that said " Loan mod non government ''. SPS bought our mortgage from XXXX XXXX XXXX in XXXX of XXXX. In XXXX we did a loan modification through XXXX XXXX XXXX, which XXXX XXXX XXXX had already reported to the credit bureaus. I contacted SPS on XX/XX/XXXX at XXXX XXXX MDT and spoke with XXXX XXXX. XXXX stated that after an audit of our account they found the modification from XXXX XXXX XXXX and that they are '' required to report any and all changes to the credit bureau even if the modification was not done with us. '' I have filed disputes with XXXX, XXXX, and XXXX to have the incorrect remark removed. This remark makes it look as though we have a new modification with SPS which is not the case, and an old modification with a different lender is now being reported again by the new lender as a new modification. There has been no modification with SPS and we need to have this remark removed from not only my credit report but also from my husband 's credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

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 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have 2 Capital One credit cards and My wife has one. On, XX/XX/2019, we paid the balances of our credit cards off. On XX/XX/2019, I logged into the Capital One website to ensure all of the cards showed a XXXX balance. I noticed on one of my cards there was an outstanding balance of {$20.00} and a pending interest charge on my wife 's card for {$59.00}. My other card has a pending interest charge of {$98.00}. I called to ask how interested was charged on a XXXX balance. The customer service rep told me it was residual interest. When pressed she could not provide a satisfactory explanation. I was transferred to XXXX  Employee Id XXXX. She identified herself as a supervisor. Again, she was not able to provide a satisfactory explanation as to why the residual interest was not included in the balance 3 days prior to the actual due date. I asked if they could waive the interest and was told no. It occurs to me XXXX XXXX was sanctioned severely for using unfair, and deceptive practices. I believe Capital One is using a similar tactic to rake in several million dollars of phantom interest. I am certain that any language in the credit card agreement is not clearly or conspicuously available and certainly would not be understood by the least sophisticated consumer. As such, it is my hope your agency will launch a full-scale investigation into the unfair and deceptive business practices of Capital One and deal with them accordingly, as this practice is clearly causing financial damages to honest consumers nationwide and clearly they know what they are doing with respect to these unfair and deceptive practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2018 payment was made to XXXX XXXX at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help me.

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