BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/XXXX this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. 
This company bought this account from XXXX XXXX from XX/XX/XXXX and it was originally filed in my Chapter XXXX that was converted to a Chapter XXXX in XX/XX/XXXX. This company has reported this on my credit report as a new account from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: FULTON FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint is against XXXX XXXX XXXX, a XXXX unit of Fulton Financial, and their " 10 business days '' dispute resolution process. 
This is the 21st century. If charges ( checking account withdrawals via a debit card ) can be made instantly, it should n't take 10 days to get a disputed charge removed. 

The disputed transaction is the seizure on XX/XX/XXXX of {$1400.00} by a XXXX property : XXXX XXXX, XXXX in connection with a reservation I cancelled on XX/XX/XXXX. The reservation was for a stay scheduled to start XX/XX/XXXX, and I selected an option of " cancel up to 1 day prior to [ XX/XX/XXXX ] without penalty '' when I made the reservation through XXXX. 

The hotel ( and parent company XXXX XXXX ) is insisting that my reservation was a pre-paid/no refund reservation, and they are refusing to issue a refund. 

WORSE : I now ( XX/XX/XXXX ) see ANOTHER {$1400.00} hold on my checking account -- which just appeared this morning. I screamed at the bank about this, but they said there is nothing they can do short of cancelling the debit card ( which I did ) to prevent additional transactions. They tell me it will take ANOTHER 10 DAYS to dispute the second {$1400.00} theft. 

Why would additional transactions from the same merchant NOT be blocked the minute a dispute is filed?!? 

It would seem that our banking system allows for the repeated raid of our checking accounts by unscrupulous merchants, and banks have no obligation to prevent this. This is a very chilling revelation.

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 2020-09-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this company back in XX/XX/2006 this still on my credit report I need this off my credit report Im trying to buy house.

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 2016-10-05
Company: OLD NATIONAL BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a XXXX American and receive Social Security XXXX through XXXX, and they changed over to Old National Bank recently ... XXXX. I believe these institutions have charged ( possibly ) millions of dollars in overdraft fees to those of us on XXXX who receive XXXX paycheck per month during this change over. I lost an unexpected {$120.00} ( ca ) and was treated horribly by the bank manager at my branch in XXXX. Could you check to see how much social security money they took ( total ) from us ... the poorest of the poor. I have more to tell, just not enough space. Please call me to discuss. The charges will be in the form of {$8.00} per day for each day the account was overdrawn. I believe they carefully planned and manipulated our accounts and lack of true understanding ( took advantage ... especially of the elderly and XXXX. ) See how many {$8.00} service fees were charged during the last two weeks of XXXX ... up until the time our social security was directly deposited into our accounts. I am considering filing a class action law suit so that we XXXX SSI/XXXX recipients can get our money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed around XXXX disputes with equifax trying to get everything updated. They had my birthdate wrong ; that is finally corrected, they did n't have my employer listed- that is finally corrected. They do n't show any of my history of payments. I am uploading to you what I have already uploaded to them. They have my other names listed but they have tried to run my social to update my records to show my credit history. What do I need to do to have this done. XXXX is reporting everything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: HW Holding, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with a fair credit reporting act [ XXXX  # XXXX, HUNTER WARFIELD # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: MS
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 sent XXXX, Equifax and XXXX SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

EQUIFAX and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH EQUIFAX and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However EQUIFAX and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, XXXX  and EQUIFAX for inaccurate reporting and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: VALLEY NATIONAL BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hi, I had an auto loan from Valley National bank when I was living XXXX when I moved XXXX, since there are no branch locations and no online payments, I had to make payments over the phone ( for a fee ). I never recieved a statement and had limited access to online banking ( my online banking just showed balance and payment, no interest information, payoff statements etc ). When I finally decided to sell my car, the car dearshipb asked for a payoff amount with my loan account number. The bank sent me the wrong account number which delayed the sale of the car, cost me interest and on top of that I was charged a late fee. I have asked to be given a refund for the late fee or at least be given a statement, to no avail. What 's more, my online access has been terminated. The bank refuses to communicate via email, so I have a scant record of my correspondence. I have been told I need to pay in order to recieve a stement but I have n't been referred to the correct department. I feel like the bank is stonewalling me untill I give up. There are also a lot of discrepancies in the amount of interest I was charged, for example I was told my interest is XXXX per diem but I was charged XXXX dollars interest in a single month. I took this loan three years ago as a six year loan and I have made all the payments but my principle is basically unchanged from three years ago eventbough I 've been paying interest and balance simultaneously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a Natural person I am a living human being I have rights under 15 usc1981 Equifax is govern by 25 USC And they violated my rights numerous of times adamant the account listed below to be removed because according to 15 USC 681 I have the rights to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: PCR Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Adjustment Bur XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Letter Please be advised this is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued will full and negligent noncompliance. 

Despite two written request, the unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
Account Adjustment BUR # XXXX {$2800.00} Case number : XXXX Thank You 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 2020-09-29
Company: LEXISNEXIS
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:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX  tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax refused to investigate blatant errors regarding XXXX XXXX reporting. Instead they rubber stamped XXXX XXXX reporting without investigating. XXXX XXXX deliberately forced the consumer to eliminate paper statements and to rely upon the website for information concerning home equity loan. They processed XX/XX/XXXX payment before they processed XX/XX/XXXX payment. In addition they stated that the total due was for XX/XX/XXXX for the XX/XX/XXXX payment when in fact they knew that the payment oin that date would allow them to intentionally damage ones credit rating with all of the credit bureaus. They also did the same thong in XX/XX/XXXX when they indicated that the payment was due XX/XX/XXXX Equifax along with XXXX, and of course XXXX XXXX have rubber stamped these lies..It is ironic that my husband XXXX XXXX and myself made the complaints to XXXX XXXX and all of the reporting agencies about the same problem for XX/XX/XXXX. After over 10 attempts to get this corrected finally XXXX XXXX corrected but of course did n't look under the covers for their error on these 2 payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bad mortage refi under HARP program with XXXX..When I disputed they transferred to Seterus for mortgage servicer ... {$35000.00} in dispute..New program did not reduce my interest rate, failed to write off {$20000.00}, can not proved who owns the mortgage, all number if they provide any are in dispute ... Seterus is more interested in foreclosing on me and are very disrespective, uncooperating, and expect me to show documentation when they claim they have no documentation..Any and all help will be greatly appreciate..XXXX/Seterus have committed fraud which is nothing new..Please contact me at XXXX ( XXXX XXXX ) and leave voice mail if I do n't pick up..Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent XXXX XXXX XXXX a creditors validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They was suppose to contact Equifax Credit Reporting Bureau in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information. Alone with the deltion letter that should have been sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wife & I are getting ready to apply for a home loan. 
Our lender told me that her reporting bureau CREDCO is showing a {$570.00} outstanding debt collection on my information & social security number from XXXX XXXX. 
We are current XXXX customers have been since the XXXX bill is current as usual.

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 2015-08-31
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I keep sending them proof of insurance they seem to never get them? I send them two copies already and they said they didn't get it? I sent them copies of the HOA master policy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX. It states XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX. My personal is with XXXX XXXX XXXX # XXXX phone # XXXX. 

My mortgage company is Shellpoint XXXX. XXXX XXXX XXXX Mi XXXX Phone XXXX loan # XXXX I feel they keep doing this thinking if they do it enough I will forget and they will charge me anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In my Venmo account money got transferred to an inactive account. I reported it and it has lingered on for almost! 2 weeks now. I have been promised multiple times it would be corrected. I also have emails saying my account would be unfrozen. No one seems to want to or care to help

Company response to consumer: Closed with monetary relief