BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: NJ
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 have inquiries that are not mines.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I was able to get in my account earlier today. Around XXXX PM. I made an attempt to get in my account and was not able to. When I made it home I attempted to look at my online banking and could not access it. I contacted the XXXX number and was told my account was closed. When I asked why the guy said he did not have a reason as to why. I explained to him that my direct deposit is scheduled to go into this account on Friday and I needed to have access to my money. I have another account that is overdrawn and planned to fix this account with my bonus check on next week. I explained to him that the other account was overdrawn due to them making payments when funds are not available and I turned off my overdraft on that account to keep it from going into overdraft. The guy explained that if my direct deposit comes to the account that a check would be mailed out to me. And if it is already closed it will return to the company. I am not understanding why my account was closed. I just received a letter saying that if i don't bring the other account current by my next statement that my account would be closed by next statement cycle. I just received that letter on yesterday and it is dated for XX/XX/XXXX but I had plans to fix the account this pay period and next week.

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 2022-01-20
Company: EQUIFAX, INC.
State: AL
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 presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ClearOne Advantage, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On XXXX.17 I signed a contract for debt resolution package with ClearOne. They indicated they needed the contract signed by the end of the week, so I signed it. A gentleman called me that evening and went through some information. I felt very uneasy about the information he gave me pertaining to how then relieve the debts. On XXXX.17, I signed the cancellation notice, found in the electronic package, and sent it via certified to the company. They signed for the cancellation letter on XXXX.17.  On XXXX.17 I tried to log into my XXXX XXXX XXXX account to make my payment, but I kept getting a log in error. I then called XXXX XXXX  XXXX and they said they had received a COA/POA from ClearOne and my account had been closed. I called ClearOne immediately, they indicated that I should not only have signed and mailed the cancellation letter, but I also needed to contact them verbally to cancel. I told them that they should not have pursued any debt relief after signing the confirmation of receiving the cancellation letter. They sent me a confirmation of cancellation but it was dated for XXXX.17, not XXXX.17 the date they received the letter. I called XXXX XXXX XXXX again and they can not reopen my account because they have the COA/POA on file. They said I was a very good customer but they could not reopen the account. ClearOne should have never move forward with a debt relief plan after receiving the cancellation letter. Unfortunately now I do not have access to my lowest interest credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my FHA mortgage loan is with XXXX XXXX mortgage .this loan was taken out in XX/XX/XXXX. I called the XXXX to have my PMI taken off my morgage and they said they would send me a form to request having it removed and that it was my responsibility to have it removed that they would not automatically remove it after reaching 80 %. i spoke to someone named XXXX ... since then i have received a letter stating the PMI premium is required for the life of the loan. Never received the form for cancellation. i am interested in paying off my loan ... but is hesitaint to do so until i can get this matter addressed ... the letter dated XX/XX/XXXX, was send to me by a XXXX XXXX ( mortgage insurance specialist. ) ... i  called the number on the letter and they said because the loan was taken out before XX/XX/XXXX it 's required to keep it for the life of the loan. i asked to speak to a compliance agent and was told no ... .i called my bank on XX/XX/XXXX and asked to set up an appointment with the bank manager XXXX ( us bank on XXXX XXXX in XXXX ohio ) number ( XXXX ) and was told she would call me back to make an appointment and she never did. NO ONE will help me, and i keep getting conflicting answers.

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 2022-01-20
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had 2 refinances with two single family home properties in XXXX. Upon signing closing docs, I was given a first payment doc from FofA, which included the loan/account number. After the close of escrow on these two properties, I made 2 payments ( 1 for each property - {$900.00} and {$670.00} ) on XX/XX/2021. Unfortunately, I received a call from FofA ( around XX/XX/2021 ) to return their call. I returned their call, same day and the rep didn't know why they called. However, at this time, she showed that there was a late payment. I told her that I paid the mortgage payment and she said to give it a few days to process. 

A week later, I received 2 more calls. I returned their call and was told they never received the payments. I told them I did make the payments to the account numbers that were on my first payment doc I received from closing ( FofA ). She told me my new account number and said FofA changed the numbers after the close of escrow. FofA never notified me. I told her that I paid both payments to the original account number. She said she'll note the files they will start an investigation, but not to do anything. 

A week later, I received another call from FofA and wanted to know where my payment was for XXXX. I again explained and she said to email the cashed checks to the support team and that it will take 5 days to respond, but they will not report any late payments to the credit bureaus since it's under investigation. 

I emailed the cashed checks to both properties, to the support center and called them to confirm they received it. They indicated it will take another 5 days to process, again told me they will not report to the credit bureaus. 

Last Sunday, I find out FofA reported both property accounts as 30 days past due to all 3 credit bureaus. I called first thing on Monday morning, asking what happened. They assured me they didn't do anything. I spoke with 2 supervisors and they, too, indicated they don't show that it was reported. However, I have my credit report as proof and both checks were cashed XX/XX/2021 by FofA. They still claimed my account is still under investigation. 

I tried disputing both accounts through the credit bureaus with proof of the cashed checks and XXXX came back indicating FofA confirmed the 30 day late report. So FofA isn't even looking at the proof that I'm sending to them. To this date, my credit has been destroyed by these horrific actions. 

I want my accounts corrected AND all 3 credit bureaus corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This complaint is to inform you that I recently received a copy of my Credit Report and after review I found an item that is inaccurate. The unverified account in question is listed below. Please send me original documentation that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 USC 1681, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit file. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report you are damaging my credit worthiness. Please provide verifiable original documentation within 30 days. If you are unable to do so please remove said item from my credit report immediately. XXXX XXXX XXXX Acct # XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Seterus, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The investor agreed to a reaffirmed amount of {$25000.00} and has ever since XX/XX/XXXX been asking for a different monthly payment amount that was agreed to in the court order and has now demanding payment of the cram down money which was discharged in the bankruptcy. The investor has now sued me for the discharged 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 2017-07-27
Company: Southern Auto Finance Co
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:
I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: CreditNinja Lending, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sent an unsolicited debt recovery notice from Credit Ninja. Have never sought credit from Credit Ninja.

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 2021-09-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX is the only Bureau to fix this, XXXX and Equifax are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX  XXXX  XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2015 stating that I owe a balance of {$2300.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC XXXX XXXX. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me emotional and physical distress.

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 2018-01-08
Company: Kohn Law Firm S.C.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan has been transferred to kohn law firm and I went to court over it and had signed and agreement to pay than I got some information thru a debt management that said I didn't need to pay because XXXX XXXX XXXX XXXX got a false lawsuit,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CARD Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Card.com decided on there own that they wanted to replace my card and charged me {$7.00} to have it replaced against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: AL
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 presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.

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 2019-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX is the only Bureau to fix this, Experian and XXXX are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX XXXX XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of Transunion ) has accepted this.

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 2018-01-05
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2015 stating that I owe a balance of $XXXX I never signed a contract with this company to agree to pay any debit's owed. Therefor I am not responsible for any debits owed to this company

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 2023-06-19
Company: EQUIFAX, 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:
my dauther paidoff XXXX XXXX now 3 months ago they say iowe XXXX this is not my account

Company response to consumer: Closed with non-monetary relief