BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: EQUIFAX, 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:
Equifax had a data breach and my ssn was sold on the black market. I have a fraud alert on my account, they refuse to process disputes about my fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-01-06
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to contact this company several times about this debt in the amount of XXXX  but the correct amount is XXXXXXXX. I spoke with someone and they advised they could not show payment history due to it being charged off but are still collecting funds without third party. I have contacted the 3 credit bureaus and they have been unsuccessful with getting this debt removed or corrected.

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 2021-01-22
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: Information belongs to someone else

Complaint:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that 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 explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-12-01
Company: Mortgage Research Center, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow refund check of about XXXX dollars at the beginning of XXXX. I called veterans United to ensure it was not a mistake and they confirmed it was not. About the middle of XX/XX/XXXX I received a call from Veterans United saying they needed the money back due to letters they received from XXXX XXXXXX/XX/XXXX that the taxes were higher than when the refund was sent. I asked for copies of the letters and the corrected documents at that time I also reached out to my county tax clerk who told me my property taxes were not XXXX a year but at mostXX/XX/XXXXa year. After I called veterans United back and informed them of this they said they would do more research. The week of XX/XX/XXXX veterans United called and said I was right and that the refund check was not needed. I again asked for the letters and the corrected financial documents. On XX/XX/XXXX I called to check progress and am being told again that my taxes are higher and the refund check is needed back. I again called my county tax clerk and again was told my taxes will be at mostXX/XX/XXXXnot XXXX. Veterans United is now saying they never received letters and have not sent out the corrected financial documents to 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
Consumer complaint received 2017-09-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized amounts were drafted from my checking account on XX/XX/XXXX and XX/XX/XXXX both in the amount of {$1000.00} totaling {$2000.00}. The reason it went as long as it did was because I was working away from home. When I realized what was happening I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) by phone on XX/XX/XXXX and complained. I then sent a letter to them on XX/XX/XXXX explaining the situation and what had happened. I got a returned letter that said request denied. Without any approval from me XXXX not only extended the duration of a policy for me but increased the premiums over ten times the previously agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: TX
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:
XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-08-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/19, I provided PennyMac with my homeowner 's insurance renewal documents which showed that the renewal amount was {$720.00}. I indicated to them this information because the amount they showed on the website to pay out was {$670.00} which was the incorrect amount. PennyMac responded back to me that they would research my concerns. 

On XX/XX/XXXX19, instead of paying out {$720.00}, they paid out the incorrect amount of {$670.00}. 

Again on XXXX/XXXX/19, I noticed that my escrow information was INCORRECT. Again, I sent my insurance renewal documents to PennyMac indicating that the correct amount to be paid was {$720.00}, NOT {$670.00}. Furthermore, PennyMac listed my next insurance renewal date as XX/XX/XXXX instead of XX/XX/XXXX since my policy is only for one year. So essentially they have the wrong dates and wrong amounts. Again, PennyMac responded back to me that they would research my concerns.

It has now been past the 7 days that PennyMac said they would research and get back to me and no one has reached out to me, my escrow information is still incorrect, and my insurance renewal is STILL UNDERPAID. To avoid having my insurance lapse, I have already paid the difference that PennyMac didn't pay WHICH DEFEATS THE WHOLE PURPOSE OF HAVING AN ESCROW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that the inquiry below be removed immediately.

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 explanation
Consumer complaint received 2023-05-15
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report and noticed inaccurate and unauthorized information reporting on my behalf, and it is to my knowledge per the Fair Credit Reporting Act ( FCRA ) that any inaccurate or unverifiable items be removed. I am therefore requesting that the inaccurate information be removed from my credit report. The following account is not mine and need to be removed : XXXX XXXX XXXX XXXX I've also submitted an FTC report which I attached.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: UT
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:
I have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.

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 2023-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Transunion in the amount of {$4.00}, XXXX {$8300.00}, and XXXX is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.

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 2017-12-12
Company: Rent Recovery Solutions
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From the beginning of paying my student loans I have been on the automatic payment plan. I dont have any difficulties paying my account. 

Around XX/XX/2020 I noticed after looking back my accounts that my student loan hadnt been taken out. When I went to go check my Navient account I realized I had been put in forebearance. No payment had been taken from my account since XXXX. 

I had never requested forebearance nor did I need it. Now that I am looking to buy my first home I found out my credit score went from over 700 to below 680 because the non payment that i had never requested affected my score. 

This is unscrupulous. I also found out that interest is still charged. This should not be allowed and this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On my checking relationship, I was contacted by the XXXX XXXX Citibank brnach manager by telephone approximately 3 years ago. She asked if I would come visit her at the local branch and hear about Citi 's other products. I told her I was very busy, but she said if I was willing to meet with her and just listen then she would assure me to place me in the Citigold program for life, and do so with a *permanent* fee waiver. She documented this in my file. Soon after the branch closed, and fees were being assessed to my account. I called customer service and when they researchd the issued the indeed found I was correct, and credited all service fees back to me. Then I called recently and they told me that they ca n't do that, and I am no longer in citigold. I reminded them that I was given *permanent* status, and that they could not revoke with out my permission. I requested that the last 12 months of fees be reversed, as they have always been and they revered 3 months but now more.

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 2017-09-17
Company: Westlake Services, LLC
State: NJ
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:
On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I wrote letter to law office of relin Goldstein phone ( XXXX ) XXXX telling them that the XXXX XXXX   account belongs to another XXXX XXXX last four of  my social XXXX I have common name I send letters to XXXX XXXX XXXX XXXX # XXXX XXXX not XXXX but they keep calling me first my cell XXXX XXXX XXXX and then my wife 's phone number XXXX XXXX and then my home phone I don't know how they got my home number its unlisted when I block them they call my other numbers harassing me my XXXX XXXX XXXX pick up the phone and got scared by these people. I told these people several times that this is not my debt they have wrong party and also has been searching my information on social media I have protection s alerts that tell me if I'm being search. Can you please tell law office relin Goldstein to leave me alone I going to make a complaint with the grievance committee for misconduct and unlawfully abuse. And filed a police report. Trying to intimidate me and my kids wife I have rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check and was holding it pending the repair of my car. The merchant took a photo to show I would pay upon completion but instead the merchant processed the photo as a check and Wells Fargo paid the photo despite telling them I had never tendered the check and it was in my possession. 

It was check number XXXX for {$2300.00}

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