BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is related to my previous numerous complaints against Citizen 's Bank and our application for refinancing which took more than one year but yet created problems and aggravation. The process for refinancing to 2.75 % home equity line of credit was complicated because the title deed of our residence is held in the name of a trust of which our grown up kids are co-trustees. Our daughter lives in Oregon and son in Pennsylvania. Documents for home equity line of credit needs their both notarized signatures. Time and again those documents were not done as required ( and we do not know the reason ). Finally the 2.75 % was given to us but the line of credit was suspended. In 2017 Citizen 's  bank increased the rate on this loan twice although the Federal Reserve raised interest rates so far only once. In XX/XX/XXXX the rate was raised to 3 % and in XX/XX/XXXX to 3.25 % which apparently was made to penalize us. Citizen 's bank started the process to make the documents again by sending our daughter mortgage documents again but raising the rate in XX/XX/XXXX clearly appeared to be punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied fr a Modification with USBank they purposely drag it out, years it was long US bank keep asking me fr the same paper work over and over.i was trying remove my mom fr the Account US bank had me go pay fr a quick claim Deed An would not do it. They stop taking my mortgage said it 's in a loss mitigation they kept stringing me along they waited in till there was a new president and executive order was signed and they denied my modification I do n't know they did Denied it I called the end of   XXXX   to check on the status that 's when I was told they never gave me the chance to appeal their decision they filed foreclosure right away they have done all the paperwork with the judge he signed off on taking my house and the only way they 'll allow me to keep my house I have to pay {$38000.00} not what I/O they have n't sent me the paperwork it is sitting in courts filed With the judge they never gave me a chance so all they 're waiting on is to just put me on the street I lost my job I got on employment for three months form I started working in  XXXX  of last year I 've been saving my mortgage payment The bank and the judge use you the court system to Railroad me and take my house please can you help me my home has about {$30000.00} in damages it needs a new roof from the hurricane last year that Home has a lot of problems because of the   XXXX   XXXX   messed up the house they build it fast and nothing was done properly and when I bought my home it was a abandon for over five years The previous owner flood the house took out all the like inside all the kitchen cabinets bathroom it was vandalized by them and they really did not give me a fair opportunity they just want me gone

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 2019-12-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2017-06-16
Company: JP RECOVERY SERVICES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a collection notice fro m JP Recovery Services f or  XXXX  and I had never received a bill from the company in which this entity is claiming to be collecting for.  <P/> This is a medical claim and I also feel that my HIPPA rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day ( XX/XX/20201 ), I have not received a response yet and it has been well over 60 days. I feel like my disputes are getting ignored and I'm being taken advantage of. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been 60 plus days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX. I am writing this 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 these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the debt collector and stated I have no acknowledge of this debt they are trying to collect or any known contract that entitles them to collect and are still reporting to the credit bureaus which is damaging my credit. 
I asked for proof and have not yet provide me with any over the past three months. 
I keep getting a statement but no validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have spent hours trying to resolve an issue with my business account at Santander Bank. I have talked to several corporate professionals and each of them have passed my complaint along without giving me the information I am owed as a consumer. On XX/XX/XXXX, I received a letter from XXXX XXXX as a response to my memo to the corporate office on XX/XX/XXXX bringing closure to the case without answering my initial complaint. <P/>In summary, someone changed the address of my business account without my permission. My initial inquiry as to why I could not access my account led to the Bank professional in the office I first opened out the account suggesting I may have changed it and forgotten. I am outraged. <P/>The bank has informed me that they have no idea how this occurred, can not locate the signature card someone filled out to change my address, can not locate the teller or bank professional who made this change and have offered me XXXX Credit for one year. I am already a member of XXXX XXXX. I find this unacceptable. <P/>I deserve to know how this change was made, who made the change and the bank has an obligation to protect my account and not allow such a change to be made without any accountability of safeguards in place to trace such a change. I have been told those records are only kept for several years and they have no way of tracing such a change. I am certain if I went to court and the record was subpoena they would produce the computer generated information. Clearly, fraud has been attempted and I think it is internal to the bank. This is not the first time my account was compromised and I want a real answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: VA
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:
The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had XXXX XXXX  XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. XXXX is also reporting this information with no proof of validation of this debt. I have contacted XXXX  XXXX and they were unable to validate 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 2019-12-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
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:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient in the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, pursuant to section 604, indicates the only permissible purpose for inquiries is a firm offer of credit, court order, employment, and insurance. From my records neither did I authorize these inquiries there is no permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them from 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 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A  ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.

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 2021-11-14
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: Account status incorrect

Complaint:
I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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 2017-06-05
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
CalAtlantic is the most incompetent group of people have I ever dealt with and despite being six months aft er closing I am still hassling once a week with their mistakes and incompetence. During our  XXXX   XXXX  closing, we paid dues to our master association of {$150.00} and a capital contribution to the master HOA of {$500.00}. The closing statement also shows {$620.00} paid for  XXXX   XXXX   XXXX ,  2017  dues to the local association and a capital contribution of {$150.00}.     None of those amounts have been properly distributed to the proper HOAs. The master association has received none of the money. The local association received {$650.00} of the {$770.00} we paid but it 's not clear what that was for. There is a likelihood that CalAtlantic should pay {$150.00} to the master but no body knows.     They are refusing to answer the questions to both myself and to the various associations. Maybe they intend to keep the money, which would n't surprise. It 's amazing this group of complete incompetents can continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
portfolio recovery is continuing to report inconsistent information between XXXX XXXX  and XXXX making this account to be reporting inaccurately. I have wrote portfolio recovery a letter XX/XX/XXXX based on errors to the address they provided me on a response letter as their disputing address. when I checked too see if they had received my certified letter to their disputing address tracking number XXXX, to my surprise they did not. I am convinced this address they provided is not the valid address they are requesting for me to send my disputes to. I have also tried disputing with the XXXX consumer reporting agencies based on the running of reporting time because all XXXX bureaus are reporting different dates. XXXX reports estimated month and year this item will be removed is XX/XX/XXXX, XXXX  reports on record until XX/XX/XXXX and XXXX reports the date of first deliquency is XX/XX/XXXX. to my understanding the running of reporting time date should not be fluctuating because it manipulates the time frame for this account to be federally removed. I have received my recent results form experian and they had updated this account. they did not fix the error I had previously brought to their attention based on this same error. portfolio recovery is violating the FDCPA and also FCRA by furnishing inaccurate information and denying there are any inaccuracies that they are furnishing on my private consumer report. I have provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
I have filing disputes with all 3 credit bureaus for over a year and none of which have responded. I have been calling XXXX, XXXX, and Experian and havent been getting a response. I have mailing in dispute letters for over a year and have not seen a difference in my credit score. This is affecting my life.

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 2017-06-05
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:
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachment for one of The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with XXXX county to get these errors resolve in a timing matter. They are hindering 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 non-monetary relief