BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint on XX/XX/2021 # XXXX-XXXX  and today XX/XX/2021 I recieved a response back from my Mortgage company. They DID NOT address my issues that I am having with them. Also in their response they said I owe XX/XX/2021 mortgage which was paid in XXXX and I also have paid my XX/XX/2021 mortgage. Copies of cancelled checks are attached as well as the original complain that I filed. CFPB closed the complaint so I was not able to comment that they still have not fixed their mistakes on my mortgage payments that I made. As I have sent proof of the cancelled checks. 

Please see original complaint filed as well as SN Servicing Corporations response as well as my cancelled Mortgage payment checks that are attached. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am attempting to complete the application process for the The COVID-19 Relief Pennsylvania Statewide Small Business Assistance program. I am following the guidelines but can not complete the requested link with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$13000.00} XXXX Late Dates 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 2015-06-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage adjusted our mortgage payment without providing the disclosures required by 12 USC 1026.20 ( d ). We received no notice XXXX days prior to the adjustment date, and therefore did not receive the disclosures and information that would have led to reduced mortgage payments through refinance or other methods. I have asked them about this and they refuse to acknowledge their responsibility to provide this mandated disclosure. Additionally, Nationstar, even after multiple requests, refuses, or is unable, to provide a copy of the Note with all modifications thereto as required by California Civil Code section 2943 ( b ). Nationstar claims XXXX XXXX as Trustee is the owner of the Note, but all they have provided is a copy as it was on the day it was signed, showing XXXX XXXX as the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-08-21
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To my knowledge I have never had an account with XXXX. I received an alert on my credit and discovered this company has placed a collection account on my credit. Account XXXX XXXX. I have lived at my residence for over 20 years. That said, I have never received a bill from the collection agency or the original creditor. I sent Cavalry a certified letter requesting them to validate the debt- it's been over 120 days. It appears they are in communication with they bureaus alleging the debt belong to me- but I cant get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CITIBANK, N.A.
State: CA
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:
I purchased two air purifiers from XXXX XXXX for {$970.00} with my Citibank credit card on XX/XX/XXXX. Both air purifiers gave off a strong, toxic, chemical smell that made me sick. I contacted XXXX XXXX to return the defective units. Although XXXX XXXX was aware of the problem and said they would send me return shipping labels they didn't follow through. After multiple attempts with XXXX XXXX I disputed the charge with Citibank. After I disputed the charge, XXXX XXXX sent me the return shipping labels and I returned the two items to them. 

XXXX XXXX responded to Citibank regarding my dispute stating that they would refund my money when they received the products -- their response was on XX/XX/XXXX and they received the products on XX/XX/XXXX. Based on XXXX XXXX 's reply to Citibank, Citibank reversed the credit. 

Despite XXXX XXXX stating they would refund my money they have not. So I contacted Citibank again on XX/XX/XXXX to dispute the charge. Citibank requested additional information, including proof I returned the items. I provided the additional information to Citibank on XX/XX/XXXX along with the XXXX Delivery Confirmations for the two products. Citibank denied the credit on XX/XX/XXXX stating that they needed proof the products were returned. I contacted Citibank again on XX/XX/XXXX to understand the problem since I provided all the information. I spoke with both a billing rep and a billing supervisor ( account manager )  who both agreed that Citibank had all the information they needed and I should receive the credit. The supervisor told me the dispute would be reviewed again and I could expect to receive the permanent credit within a few days. 

It appears Citibank is giving me the run-around treatment as they have gone silent.

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 2023-02-09
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.

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 2018-02-04
Company: Experian Information Solutions Inc.
State: WI
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:
There are many mistakes appear in my report without my understanding.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: AL
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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, Experian the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: CA
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 disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-31
Company: TIDEWATER FINANCE COMPANY, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I called on XX/XX/19 to have my account closed and the line of credit closed with this company. I was told at that time that it would take up to a month for it to process. I called again on XX/XX/19 to verify that my account was closed and it was not. The foreign customer service rep said he would forward my request only after interrogating me for my desire to close the account at all. 

I would like for my account to be closed per my request as soon as possible. My account balance isnt paid in full and I no longer need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX received more foreclosure documents. They are refusing to accept the principle payment to the loans with the understanding that the interest will be paid at the end of the term. If there are terms withing the loan documents that are opposite of this practice, then it was done illegally and without my knowledge. They need to stop the foreclosure process immediately and revisit the laws of this country.

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 2019-01-24
Company: Flagstar Bank, N.A.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank has erroneously reported on my Form XXXX the amount of property taxes that was paid from my escrow account for tax year XXXX. Background - Refinanced mortgage on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX ( XXXX ). At closing {$220.00} was collected by the closing attorney for the property taxes owed for XXXX. Attorney forwarded the {$220.00} two days later to XXXX County, AL. In XX/XX/XXXX XXXX sold the new mortgage to Flagstar Bank and forwarded {$630.00} to be deposited in an escrow account associated with mortgage. On XX/XX/XXXX, Flagstar Bank forwarded {$220.00} to XXXX County, AL, as payment for property taxes causing a double payment to be made to the county. On XX/XX/XXXX, Flagstar Bank received a refund for the XXXX property tax over-payment from XXXX County, AL, which was deposited in the escrow account, but instead of noting that it was applicable against XXXX taxes, Flagstar Bank applied it toward XXXX taxes. On XX/XX/XXXX, Flagstar forwarded {$550.00} to XXXX County, AL, for payment of the XXXX property taxes. After that the account showed that only {$320.00} was paid toward XXXX property taxes and when the Form XXXX was issued the amount of property taxes shown as paid was also {$320.00}. I have requested several times that the amount of taxes paid toward XXXX property taxes reflect the {$550.00} but Flagstar has refused to make the correction.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX Thank you for your prompt assistance in this matter.

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 2022-12-14
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation