BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
This is the third time I have contacted EXPERIAN and they have failed to delete the disputed accounts EXPERIAN would not, could not, and did not verify. I have produced more than enough paperwork i.e, Enclosed is a color copy of my drivers license, social security card, VA identification & Passport ; XXXX XXXX incident report ; Personal Identity theft form, FTC Identity theft report, a police document confirming the perpetrator was arrested, and a certified court document confirming what the police document stated, to prove that the following accounts are not mine and the culprit is now incarcerated. The aforementioned supporting documentation to my identity theft claim which is included in this packet is more than enough information to immediately delete all accounts listed, especially because EXPERIAN has failed to provide to me, as I have to them any supporting documentation to the contrary. The creditors are basing the accounts being legitimately mine on circumstantial evidence, no physical proof has been provided, ever. 

Based on the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that it's already been 2 months, They have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. 

The Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all EXPERIAN has been doing for the past several months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked EXPERIAN to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified, physically. I request that you do this immediately, which I am sure you are already aware of.

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 2019-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : 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 2017-08-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I get a modification loan 3 years ago, and because of my low income the mortgage monthly payment was established and signed by Bayview Loan Servicing in $ XXXX From XXXX to XX/XX/XXXXto present i have been receiving letters of intimidation from Bayview ( available upon request ) saying i had to pay them between {$5000.00} and {$6000.00} the amounts varied ; Bayview also put the whole value of the house in my credit {$31.00} making my credit notably lower. All is wrong information as I never failed in paying my mortgage payment. On XX/XX/XXXXBayview sent me a letter saying my Condominium had failed in presenting proof of hazard insurance. Innumerable letters to the Condo asking for that proof were never answered but finally and after uncountable emails to Bayview I received a letter from them dated XX/XX/XXXX here included saying " the lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX ''. But on XXXX XXXX I received a mail from Bayview saying " we do not have proof of coverage from XX/XX/XXXX-XX/XX/XXXX. If you are able to provide a copy, we will be able to cancel the lender placed insurance that is effective for this time frame. The condo will not provide a copy directly to me. Next thing is Bayview has returned my current XXXX payment without a letter or explanation. In their website my acct shows i have to pay {$260.00} a month, that 's wrong, and is not the established modification amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from Equifax or XXXX. I have followed the prompt and reached out to both Equifax and XXXX to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the Equifax nor the XXXX score or report sine XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or Transunion. I have followed the prompt and reached out to both XXXX and Transunion to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the Transunion score or report sine XXXX of 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 2016-08-02
Company: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/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 2023-01-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the middle of XXXX I was in the process of fixing and paying Carrington Mortgage Services for a XXXX  Forbearance plan. Rather than choose to refinance my mortgage ( at unfavorable terms ), I decided to make lump sum payments to correct any missed payment or anything owed due to the forbearance. 

I applied an extra lump sum payment in the amount of {$3400.00} ( XXXX times my mortgage payment ) on XX/XX/XXXX. This was automatically sent by my bank in error as I had not turned off the auto bill payer. I immediately called Carrington to attempt to get the payment reversed. They informed that this was not possible and that they would just pay my mortgage for XXXX, XXXX, XXXX with that lump sum. To me, that left a difference of {$680.00} that I would need to pay in XXXX to cover my mortgage payment. I structured that payment with my bank and had it paid automatically on XX/XX/XXXX. 

XXXX Mortgage decided to disperse these funds in an entirely different manner, paying a principal curtailment payment once on XXXX and then again on XX/XX/XXXX. These actions led to a missed payment in XX/XX/XXXX because they had used my funds in a different manner than discussed. I specifically asked the Carrington rep if any additional steps needed to be taken on my end to ensure the {$3400.00} would be distributed properly - I was told that I did not need to take any action. 

On XX/XX/XXXX I received a late notice from Carrington Mortgage that my XXXX payment had not been made despite my bank sending the finds on XX/XX/XXXX. Carrington applied that XX/XX/XXXX payment to XXXX, in error, and then also applied a {$510.00} curtailment payment. 

I spent XXXX hours on the phone on XX/XX/XXXX with some helpful reps that tried to make sense of these mistakes. In the end, I had to pay {$450.00} to bring my mortgage current and Carrington submitted a request that the curtailments be applied to XX/XX/XXXX payment in the amount of {$1000.00} thus leaving me with the {$450.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: U.S. BANCORP
State: CA
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Excessive fees

Complaint:
I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-12-14
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed. 
Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX  of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX 

IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Finance has duplicate accounts in the collection on my credit score for the amount of {$700.00} on XXXX XXXX, 2017. They also have another collection in the amount of {$470.00}, on XXXX XXXX, 2017. I feel this is one account that they have reported has inaccuracies causing me to have 3 accounts in total- which is based off a singular debt. Which has effectively given me duplicate derogatory marks on my credit, off of one debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-03-22
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. 

Accounts : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.

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 2019-02-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't have knowledge of this account nothing in mail with information about this account

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 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Step 1 : What is this complaint about? 

I tried to link my pnc bank account to XXXX XXXX. 

Step 2 : What type of problem are you having? 

But I got a message : pnc has made a change that prevents you from being able to link your accounts Step 3 : What happened? 

The page prevented me from going any further and referred me to consumer finance site. 

Step 4 : What company is this complaint about? 

XXXX XXXX. 

I tried to link my XXXX XXXX account earlier and was rejected when it was time to link accounts then too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Holloway Credit Solutions
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a letter from Holloway Credit Solutions stating that if I do not respond, my credit may be impacted negatively. I am not involved account number they are collecting. 

I do not appreciate them contacting me and then threatening me on top of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Portland Credit Inc
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector repeatedly called my employer after being verbally told not to because the number was never provided on the original credit application or form for services. The debt collector admitted to seeking out my employers number online then started contacting me at work without authorization. Secondly the original creditor is billing me for archives that were never rendered. This XXXX is for XXXX appointments that were canceled within the allotted time frame outlined by the medical practitioner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation