BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My first application for a hardship modification to Ocwen was submitted XXXX of 2016. It was rejected by the end of XXXX 2016. The entire package was resubmitted in XXXX of 2016 with updated information. Again, I was rejected after a cursory review. The information forwarded to Ocwen indicated that I was struggling to maintain the property..that I am a XXXX year old woman who has very few years remaining in which I would have the ability to continue working. I remain troubled that in the foreseeable future I could face foreclosure.

Company response to consumer: Closed
Consumer complaint received 2019-12-30
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
An individual stole checks from my check book, forged my signature and cashed two checks for {$250.00} ( {$500.00} total ). 

I went through the US Bank Fraud claim process, and my claim was denied due to their assertion that I failed to secure my check book properly and was therefore liable. 

The forged checks were dated in XXXX but were cashed. In XXXX of the same year. The signature on the check is clearly not my own. It is clear that US Bank did not take ordinary care to ensure the checks were genuine.

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 2022-08-17
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My Costco Citi Card had fraud charges on it. Citi 's fraud algorithm did not catch this which was extremely blatant with XXXX charges worth just under {$10000.00} from the same company happening within 1 week ( XXXX ). Now I have spent over 5 hours trying to have them remove the charges from my statement so that I can pay them the correct amount. They will not do this but also tell me that if I don't pay them, they will hit me with late charges as well as interest. They say it will take 2 months to sort through all the charges and can't help me determine what I am actually supposed to pay. I have had mostly poor reps who do not want to help because it will take too long and it will XXXX up their call center XXXX metrics. I did get one good rep that spent the time with me to try to do the calculations to determine what I owe but even that rep could not do it because Citi does not give them excel to help work on these issues and they do not have systems that can handle situations like this. They also keep telling me that I am liable for these charges until the point that they determine they are frauds ( and insinuating that this is probably not fraud ). I have had credit cards for 35 years and have had fraud before but they always immediately remove them from my account during the investigation stage so that I can know what to pay them. I get the feeling that the company is not prepared for a situation like this and is putting it on me to deal with it while they stall. I have talked to Costco and they seem to not be surprised and gave me this site to report it and it does not sound like the first time they have received complaints from Citi.

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 2017-06-21
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
hello I submitted an application for a $ XXXX HELO from PNCBank on/about XX/XX/XXXX on property on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - value of $ XXXX. I own the home outright, no debt. Since I just submitted a HELO from PNCBank for another property I own outright, XXXX XXXX XXXX , XXXX, FL XXXX - HELO for $ XXXX was accepted I knew exactly what documents PNCBANK needed. I provided 2 months recent pay stubs XX/XX/XXXX fed taxes XX/XX/XXXX delayed tax filing all assets, including XXXX XXXX valued at over XXXX XXXX dollars. PNCBank assets Despite all this information, PNCBank kept on asking and asking for more information, which I provided. I have been banking with PNCBank now for over 25 years, I have had over $ 600k of mortgages with PNCBank, all of which are paid off. So, there rejection now because of lack of documents is false! They are giving me a hassle, most likely because I turned down using PNCBank to buy properties and instead paid cash for them. Now PNCBank doesnt want me to have HELO 's on these properties. Ridiculous. If this is how PNCBank treats its long time customers, l think this should be noted for new consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: KY
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:
Victim of equifax Data breach. Unauthorized hard inquires on Equifax report. They refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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 INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. 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 2022-07-26
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 sent a letter on XX/XX/2022 to remove : ( ), which is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: MD
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:
COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX  LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.

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 2017-10-12
Company: Bread Financial Holdings, Inc.
State: CA
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,2016 Comenity Capital/XXXX had pull a hard inquiry on my XXXX  Credit report. I have no knowledge of this inquiry nor did I give the authorization to pull my credit report therefore this is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pinnacle credit Services LLC along with XXXX XXXX XXXX XXXX XXXX has repeatedly Try to collect on a A unknown XXXX XXXX account apparently from 2011 with a balance of {$1100.00} They've sent me paperwork they call me that you email me when I call them back they seem to be like a bogus company At least have a very poor phone system I was made aware of a XXXX account close to 5 years ago or so and I just speeded it and it was wiped awipe the way to the best of my knowledge I believe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions 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:
I have an issue with my credit report - I'm an victim of identify theft. So I placed a security freeze on my account. When attempting to call the them to have it removed -they all give me the run around and when I'm only asking to secure and unsecure. I'm in the process of applying for some things. However, it seems to be an issue with them wanting to life my information. Customer service is out of the country and when I ask for a supervisor there is nothing that they can do for me. Any one of the reps that I speak with can not assist me with what I need. My logon information has been jacked I have mailed my ID and other items so that they can fix the issue nothing has been resolved at the current moment. All I get is the run around when contacting them.

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 2017-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2010 I sent SPS a letter and a copy of my XXXX orders to XXXX requesting assistance under the SCRA. My interest rate with SPS was 6 3/4 of a percent and they reduced my interest rate down to a mere 6 %. This was not in the spirit of the program. A reduction of {$90.00} a month is not helpful for someone leaving a XXXX figure a year career in the civilian world to earn approximately $ XXXX a year by being recalled to XXXX. Most XXXX I knew received interest rates down to 2 % and I think that is respectable. To add insult to injury I never got a {$90.00} reduction to this date almost 7 years later. 

SPS failed to recalculate my payments to reflect the reduced interest rate. I never received the second portion of the SCRA, which calls for diminished monthly payments based upon the interest rate reduction. It appears to me that SPS gave me a portion of the loan interest rate savings because the interest-bearing principal was {$460000.00} and then there was a deferred principal of {$210000.00}. This is not consistent with 50 USC app section 527. To date I have not ever been given any reprise from SPS under the Service Members Civil Relief program. They sent me a letter stating that they did give me some reprise but the numbers do n't add up. They have sent me 3 sets of financials over the last 3 months and there simply is not a reduction of {$90.00} anywhere to be seen. If they give me a reduction why ca n't they prove it? Where is it? Did it go to the wrong account? These are just a few questions SPS should answer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When my mortgage was set up through XXXX XXXX XXXX  It was for a XXXX loan with insurance coming out of escrow. 
At some point after that u.s Bank bought my mortgage from them and when that happened u.s Bank failed to properly set up the insurance payments to my insurance company which forced them to cancel my policy after 4 months of non-payment. I was only made aware of this when I received a letter from US Bank telling me that they had purchased a homeowners insurance policy in my name for well over double what my other policy was. Now my mortgage payment has gone from aprox XXXX to over XXXX dollars. Because my escrow account went well over {$2000.00} in the negative when they set up this new policy. I went to US Bank in person and sat down with someone a month ago they helped me type up a letter and send it to US Bank 's department that deals with the situation. That was XX/XX/XXXX. I have not heard anything back. Be it mail or phone.

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 2016-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Service was completed in XXXX XXXX. I received a letter from the debt collection agency while I was out of the country end of XXXX XXXX, but the date on the letter was prior to me even receiving the statement from the medical office. I received the statement from XXXX XXXX on XXXX XXXX, XXXX, I paid the bill on XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX after I received a voicemail from the debt collection agency. They confirmed that this bill was never submitted to a collection agency and they showed I had paid all outstanding balances. I requested they send me a paid statement, which I can provide.

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 2016-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
By opinion no need to complain I was advised its up to creditors to observe alert! Frankly if true in my opinion like your agency another hollow protection claimed to help protect the consumers! Rhetorically, I can not concieve how anyone can accept this and allow it for it goes to the heart of an organizations culture! Please try to make that so called fraud alert meaningful! PS I expect nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of XXXX, my wife and I were shopping for mortgages. We spoke with Quicken and a variety of other companies and decided to go with XXXX Bank, a company that has been great. We never gave Quicken the authorization to pull our credit, either verbally or otherwise. Still, a pull appears on our credit report. I wrote to the XXXX credit bureaus to have it removed. All three refused. I called Quicken earlier in XXXX, and they now say that they can not find the pull. As such, they are unable to remove it. They told me to contact the credit bureaus, as well as XXXX. The numbers they gave me, however, do not work. 

I have attached both mine and my wife 's credit reports from XXXX XXXX as well as the letter I sent to the credit reporting agencies last year. You 'll note that my score is much higher ( not sure why ), and the Quicken pull appears in XXXX. 

Long story short, they have no record of it = why is it there?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: AL
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 requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/2022 to remove : ( ), which is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 submitted a complaint last XX/XX/2022 to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, which were UNKNOWN to me . I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX

Company response to consumer: Closed with explanation