BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I started contacting home owner 's insurance companies for quotes because I wanted to change insurance companies. My premium was set to auto-pay from my escrow account in XXXX. With all of the hurricane fiasco, the insurance companies were slow at quoting and by the time I got the quotes, my premium had already been deducted from my escrow account from the existing insurance company. So I never signed any new insurance paperwork and told the new company that I would wait until next year. 
In XXXX, my mortgage company mailed me an Escrow Account History. It shows they paid out funds from my escrow account to 2 home owner 's insurance policies. I contacted them immediately and told them I never authorized payment to the second company and that money needed to be put back into my escrow account. I was promised it would be refunded into my account. I asked for an updated Escrow transaction history to show that it had been refunded. 
In XXXX I called again asking for the same information. I received a notice of a shortage on my Escrow account stating that my payment amount would increase due to the shortage. I again asked that they correct the mistake and refund my money and send me a corrected analysis. 
In XXXX I got a notice for the new payment amount but still no correction. I called again and was told that they reviewed the account and found no errors so they weren't sending a new analysis. I again requested the information and the correction. I asked for a supervisor but was told no one was available to answer my call. 
Last week- XX/XX/XXXX, I called again and spoke to XXXX and explained the situation. She told me that she would order a new analysis and it should be available after the XX/XX/XXXX and I could call back after that and ask for it to be mailed to me. I asked why they couldn't just mail it. She said she had no way to do that. 
I can't get the mortgage company to correct this issue and refund the money to my Escrow Account. The mortgage company is a servicing company that is a subsidiary of XXXX XXXX. The name of that company is Specialized Loan Servicing. Their contact information is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CO XXXX Their mailing address is : SLS XXXX. XXXX XXXX, CO XXXX Their phone # is:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BB & T closed my bank accounts in retaliation after I complained about an unauthorized transaction. I want supposed to receive a provisional credit of {$250.00} which includes the unauthorized amount plus all of the return check fees that BB & T caused even though I had advised them that I didnt authorize this transaction. I was given a credit of {$110.00} only on one checking account. On my second checking account I made three transactions in which the amount was immediately taken from my account and as per this bank the charges were still pending although the money was already removed from my bank account. When I called in about the 2nd checking account being overdraft and me feeling that this bank was purposely charging me overdraft fees probably an hour later all of my accounts was frozen, never receiving all of my credits that was owed to me plus my direct deposit posted today XX/XX/XXXX and they kept that money also. So Im all from checking account one : {$91.00} was taken, {$47.00} was taken, {$76.00} was taken. From second checking account I was given 3 fees that no one can really justify and for my savings account : {$230.00} was held by BB & T.

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 2023-06-22
Company: EQUIFAX, 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 have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In late XXXX  I recieved two vanilla gift cards as a gift - one of them suddenly stopped working with ~ {$80.00} remaining in balance. After at least 10 attempts to get ahold of the company through their customer service phone number, email, and social media pages - I was not once able to get ahold of anyone ... spending hours of my time in an attempt to get in contact with anyone at all that could help resolve the situation. 

At this point, after the time spent, with a seemingly non-existent customer service team- i can not continue to try to resolve this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: OneMain Finance Corporation
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** ... XXXX XXXX XXXX**** ... ONEMAIN XXXX**** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
My identity has been compromised. I found out because XXXX   XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}

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 2018-04-22
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had a XXXX XXXX rewards card issued from US Bank. Back at the end of XXXX, around the XXXX to about XX/XX/XXXX an old roommate had stolen my card number and gained access into an online banking for the card. He then made numerous transfers to other prepaid cards. The money was supposed to be for savings and it had about {$4900.00} on it. The card wasnt being used by me so I didnt notice the money was gone. I randomly one night wanted to check the balance and wasnt able to log in to my online banking so I called customer service at that point I learned my account was deactivated and the money had been stolen. I immediately notified law enforcement and through another unrelated incident, they were able to charge my old roommate with criminal charges. I fought for two weeks with customer service to even be allowed to file a dispute since the card was deactivated. I was finally allowed to and I sent them all the court documents and even a notarized statement from the defendant admitting to the crime. They responded the dispute was not in my favor. I then got a signed letter from the district attorney and with that they reopened the dispute. They had 90 days to resolve it. I called in and emailed their Financial Intelligence Unit at least every day for 4 months never had a answer I was always told that they escalated it and I would receive a response in 72 business hours, I recorded phone calls with them where they were caught in lies. They did not resolve it in 90 days its was almost 120 days and even with all the court paperwork and someone in jail for the crime they still said the dispute was not in my favor and I can not reopen the dispute. One of the transfers off my card they suspected was fraudulent and its froze on another account so they suspected fraud enough that they froze that transaction but yet come back and say they believe I authorized it. Both defendants have been released from jail by lawyer has contacted them and they personally have called customer service and told them everything and they still wont do anything or release the money they froze on a card. I have verified every single thing they wish me to verify and still will not help me and Im out {$4900.00} as of now.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file.

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.

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 2023-02-26
Company: National Credit Systems,Inc.
State: TX
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:
XXXX XXXX XXXXXXXX XXXXXXXX and National Credit System have unlawfully lowered and illegally damaged my credit score. The account collection date references the date of XX/XX/XXXX, XXXX in the amount of XXXX and none of this information is accurate. In accordance to 15 USC 1608 ( b ) 2 permissible purposes it is unlawful to provide inaccurate information. 
This account is not only inaccurate but damaging to consumers such as myself. This item keeps me from retaining a primary residency. This is detrimental.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX  {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.

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 2018-12-09
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The date I received the letter was on XX/XX/2018 from Phoenix Financial Services.

The amount this company says I owe is XXXX.

It shows that Phoenix Financial bought the around from XXXX XXXX XXXX. I don't know who they are either.

Why are they contacting me and I'm not sure if my identity was stolen. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been banking with bank of America for many years, and this is not the first time this has happened to me. They change dates to squeeze in fees, and charge over draft fees on over draft protection fees that " ping pong '' until im hundreds of dollars in debt. Today was the most unusual of all, I was given an over draft fee, when I literally have thousands in my account. And they changed the order of transactions and dates in my app to support their claims, and were very rude when I called in to complain! This is shady banking. This is robbery. This establishment needs to be shut down.

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 monetary relief
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Payday loan from XXXX XXXX showed up on my credit report. I never applied or received a payday loan. Called XXXX XXXX and they said I had to do this or make a police report to dispute it. I also disputed on my credit report

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 2017-09-16
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
Dear Sir or Madame on XXXX I sent Experian a letter pertaining to XXXX XXXX XXXX # XXXX. Presently, I have not received a response back from Experian. This account appears to be re-aged and should have been deleted XXXX. The last date of payment listed on older credit reports is XXXX. Enclosed are these older credit reports : XXXX Report # XXXX Last Payment Listed XXXX XXXX  Report # XXXX Last Payment Listed XXXX XXXX Report # XXXX Last Payment Listed XXXX Since XXXX XXXX, XXXX, was the last day a payment was made on this account, than the date of delinquency should have started around that date. Therefore, this account should have been deleted around XXXX XXXX. 

At one point in time, XXXX and XXXX had the credit first account listed but due to the account being past 7 years, they deleted the account off of their record.

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello. I've recently reviewed my credit report as I'm trying to reposition myself to purchase a XXXX property. While reviewing my report, I noticed that there a several hard inquiries that I didn't make. I'd like for these to be removed from my credit report please. 

Under XXXX, listed as .... 
CAPITAL ONE BANK USA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation