BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MT
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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. EQUIFAX has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with EQUIFAX. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The XXXX XXXX XXXX XXXXXXXX  accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, Transunion and XXXX fail to remove the account due to it being inaccurate and closed.

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 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i am back to normal making regular payments on my car but because of the past 2 years of XXXX that many people such as myself are going thru, i am not able to catch up so my credit can be worked on properly. this affects my family and my future and bank of America does not care about the people and how this pandemic has affected their customers.

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 2022-02-24
Company: SLM CORPORATION
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:
Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the third complaint I have filed with you about this company, SLS L.L.C., or Special Loan Services, LLC. This company has so many complaints on the Consumer Services site and all are similar to the complaints I have had with them, including procrastinating on responding to customer complaints which puts extra late fees in SLS 's pockets, not reading correspondence and instead sending it back which also increases time and hence late fees, ignoring customer requests, ignoring California XXXX Laws, and it goes on and on. I have sent certified letters to the CEO and a vice president over two weeks ago and have received no action from the management or from the other people in the company. I have a mortgage, which I received due to a foreclosure and I paid over {$18000.00} wired in via XXXX XXXX to pay the arrears, which the XXXX original mortgage holders, XXXX and XXXX XXXX, accumulated because when they found out I was foreclosing on them, they stopped paying the mortgage to SLS. I contacted SLS and asked, after I faxed them my new trust deed to verify on the property at XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX XXXX no. XXXX many weeks ago. I also faxed the XXXX XXXX code that supports this action-and they still refuse to put my name or release to me any information on the loan. HOW CAN I PAY THE MORTGAGE ON XXXX, 2015 IF I DO N'T KNOW HOW MUCH IS DUE?? I also had my insurance co. fax info on my new insurance and SLS refuses to acknowledge it because they continue to tack on the cost of their insurance which is expensive. This company is totally money driven, without concern to their customers. Read the complaints filed against them-they all support this. 
All the supporting documentation is included in this email. I feel like no one is listening. 
Please get back to me asap so I can take over the mortgage on this property, handle it responsibly and take care of this business acquistion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I received a postcard in the mail stating I requested a fraud alert on my Trans Union report. I NEVER requested a fraud alert. I asked XXXX to freeze my credit report but it had nothing to do with fraud. I contacted Trans Union via their website on XX/XX/1922, and XXXX to remove this fraud alert I never authorized or asked for. Each time I get the following error. Were unable to process your request at this time. 

I am going to be looking for an apartment in a week or two so, it is imperative that future landlords be able to check my credit report. Also, one potential creditor has already written to me that they received the alert when they pull my credit. I was declined because of 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 2022-02-24
Company: CITIBANK, N.A.
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:
On XXXX XXXX, 2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Macy/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion

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 2021-08-23
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I am lock out of a reporting credit reporting agency, because I fail to pay a bill that I had cancel on XXXX of 2019. and the credit agency remote voice will not allow me to speak will a customer rep. to clear this up.

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 2020-04-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I hired the moving helper XXXX XXXX through XXXX, At the end of the work, I provided me payment code to XXXX XXXX. But he stated the payment didn't work and requested me to cancel the order and pay him via XXXX. I followed his instruction and paid him {$350.00} through XXXX connected with my Citibank and canceled the service. However, he charged me a total of {$360.00} again on the second day without my authorization. Therefore I double paid the moving helper. I attempted to reach out the merchant for a refund, my calls and texts were blocked. I sent an email, and there was no response. XXXX XXXX 's advertisement was also taken off from the website XXXX The whole thing looked like a scam. 

On XX/XX/XXXX, I informed Citibank to about the situation and disputed the transaction {$170.00} and {$180.00} from XXXX. Citibank declined the dispute and requested me more information on XX/XX/XXXX. I faxed my documents on XX/XX/XXXX and its representative confirmed the submission. I followed up with the dispute in the following weeks. Each work, a different representation told me a different story. For example, they did not receive my submission, they received my submission, there is a provisional credit, there is no provisional credit. Sometimes they put me on hold for nearly an hour. On XX/XX/XXXX midnight, I called to follow up again. Citibank Rep told me the case was close already, without further reason. But I have never received any letter stating the resolution thereof this matter. According to regulation E, they ought to provide me a provisional credit within 10 business days if they need more time to investigate the case. It's been nearly a month, and I have never received any credits.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: GA
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, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2019-11-25
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Investigation took more than 30 days

Complaint:
I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Nissan Finance for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My hardship started when my monthly payment increased from {$1400.00} to now {$1700.00}. I requested mortgage assistance and was denied on XX/XX/2019. At that point I was told I was behind 1 monthly payment. Now the representatives at TCF bank tells me I am behind 2 mortgage payments and they won't send me a transaction history for the past year, 2019. I have had unsuccessful communication with TCF Bank in the past when I requested the mortgage assistance application. It took more than 3 months. Myself and the Housing Counselor contacted them numerous times. The other concern is that during this process on XX/XX/2019, I received a visit from XXXX XXXX he identified himself as the Vice President of TCF Bank, he said he wanted to help me and came to collect the mortgage payment. In hindsight, I probably should not have given him the check but I did because he was so aggressive. He convinced me that I would otherwise be put in foreclosure so I wrote him the check. The current representative that calls me is XXXX XXXX he will not send me the transaction history he just insists I send in 2 months payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent in a dispute letter to Transunion on XX/XX/22 and as of XX/XX/22 I still have not received a response.

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 2015-08-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently being handled by SLS beginning on XXXX 2015, prior to this it was being handled by XXXX. On XXXX XXXX, 2015, I sent XXXX a letter requesting to remove my escrow ( homeowners insurance and property taxes ) from my mortgage. They refuse to do this and claim that I need a professional appraisal and state that my loan to value on my home is 91.15 % which is erroneous. I will be attaching proof ( Comparative Market Analysis done recently on XXXX XXXX, 2015 on the neighbor 's home and a Comparable Properties Report including my home ) both of which show that all the homes in my immediate area are in the $ XXXX value range. I currently owe less then $ XXXX on my home, therefore making the stated LTV by SLS incorrect. 
I am asking for your assistance in removing my escrow account from my mortgage since my numerous attempts with SLS have been unsuccessful. 
I am going to attach all correspondence with SLS and the escrow account disclosure statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-07-15
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Began buying our home in XX/XX/XXXX using Automatic Monthly Mortgage payments via our XXXX XXXX Acct. Home Plaza Mortgage Company began pulling EXCESS payments from our account! They failed to notify us that they were doing so! On XXXX XXXX, XXXX, I discovered these discrepancies, called Home Plaza and was told these were not excessive charges. Calling back on XXXX XXXX XXXX, the staff person acknowledged there appeared to be excessive charges from Plaza, I was told that I would not have to pay our mortgage for several months. I informed them that we want the excessive charges returned to us instead and was told that would be more difficult. I asked for a Supervisor, reaching XXXX XXXX. who advised us to fax a letter stating the above issue and we will receive a reimbursement check within 5-7 days after our fax is recieved. 

My husband XXXX and I do lack trust in this mortgage company now and would greatly appreciate your office looking over our account with Plaza Home Mortgage. 

Additionally we have concerns that the Hazard Insurance that Plaza pulls from our account may also be redundant as well. We believed that our insurance was rolled into our mortgage payments already. 

Thank you in advance for you assistance and protection!! 

Warm regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/XXXX I filed a dispute with Transunion to have an incorrect item removed. In XX/XX/XXXX the item was removed. However in XX/XX/XXXX the incorrect item was replaced back on my report. Since then I've sent in multiple disputes including supporting documents to have this fraudulent item removed. Still no luck, the credit bureau ( Transunion ) keeps saying that it is accurate. I've contacted the third party/parties which they're saying verified the information & they stated that they have no knowledge of this information. Therefore Transunion is falsely reporting this information & is lying about the verification. This item needs to be removed from my credit report 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 2022-02-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recieved a settlement check for {$1200.00} from XXXX  XXXX XXXX settlement through XXXX XXXX XXXX XXXX XXXX and deposited it into my account XX/XX/2022 and was told to call the next day to see if I can get it cashed but I was told they needed to verify the check with the bank and the law firm that got the class action lawsuit settlement.I 've called everyday to chase to try to get this resolved, I even called signature bank and XXXX XXXX XXXX legal administrative myself to get this all figured out so the check can get cleared they stated that other people in the class action lawsuit had chase accounts and didnt recieve the problems I had received from chase bank .I have been on the phone with chase bank for 3 weeks on hold for XXXX hours, I've experienced unprofessional service, I've been hung out on 14 times I total, disrespected, humiliated when I do walk in the branch for more assistance, I feel like race is a factor in this situation from seeing other customers get handled differently in the past .I tried to put a stop on the check to get another one reissued but the check has already been cleared its just chase bank holding the check for no reason at this point, my account has been restricted so I cant use funds that I've already had in there before I deposited the check .I missed my anniversary with .y wife for this reason and have got behind on Bill 's as well ..I wan na be composted for the pain and suffering that this situation has caused me and my family.

Company response to consumer: Closed with explanation