BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Please verify the following accounts : XXXX XXXX XXXXXXXX Balance {$500.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX Balance {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Right path servicing said I do not have the same rights as a borrower. A successor in interest can not sign a Covid agreement. They received a inflight Covid agreement from my prior Morgage company but they do not have to honor it. They know about 12C.F.R. 1024.31 but that is just some rights not the same rights as the original borrower. I can not make electronic withdrawal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # 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 furnish an account without my written instructions

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 2022-10-25
Company: Grain Technology, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

GRAIN TECHNOOLOGY - XX/XX/2022, XX/XX/2022, {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please verify if this is 100 percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ tigation, and DELETE if inaccurate, incomplete or unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is follow-up for Combined Complaint # : XXXX and XXXX. My second complaint is NOT a duplicate as you state ; it is instead a complaint about the way the CFPB basically shrugged off my original complaint against US Bank Home Mortgage. I was told by the OCC to readdress you again because according to the OCC, the CFPB IS supposed to investigate this matter. Your representative said the CFPB does NOT investigate this matter. Update : XXXX XXXX, 2017 US Bank replied to my reply letter. US Bank continues to state is has no responsibility in correcting our credit reports after it took 15 months to finally approve a loan modification. We directly refute this with proof in our complaint. US Bank simply denies it ever made any such claims of correcting our credit reports -- it further claims it deleted all documents that would support its claim. Basically, US Bank offers zero proof that it is innocent of the complaint we have made. US Bank cites that it is required by law to provide accurate reporting to the credit bureaus. No one is disputing that US Bank IS INDEED required to report accurately ; what we are disputing is ... .that they failed to correct what they said they would correct ... our credit reports!!

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 2017-08-12
Company: SYNCHRONY FINANCIAL
State: MN
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:
SYNCB/Banana Republic Credit Card. I paid this credit card off in full in the amount of {$8600.00} in XXXX of XXXX. At this point, I tried to close the account but was told I could not do that yet. The following month an automatic deduction was applied to the card with out me knowing it. I receive a bill for this amount to my new address. I moved to a different address in XX/XX/XXXX. I paid the full amount. I received another bill which was being forwarded to me from my former address. I then paid the same amount again thus, overpaying. I refund check was sent to me but I did not receive it because by then my forwarding mailing address had expired. I never heard from SYNCB/Banana Republic Credit Card again. I thought the account was paid in full and closed. In XXXX of XXXX I received a letter from this bank saying the account had been turned over to a Collection Agency in the amount of {$410.00} I do not know what or why I owe money on this account. The majority of the amount owed is due to interest on the some unpaid amount. I 've been in contact with this company and trying to resolve this problem. Since I moved and the forwarding address expired I did not receive any documentation from this company until recently. I want to resolve this issue and pay anything that I owe to SYNCB/Banana Republic Credit Card.

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 2023-02-21
Company: SIMM Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Made a payment to the original company. 
few hours later got a phone call from SIMM associates looking for me. 
They required address and DOB for the nature of the call. 
I refused the first time and they hung up the call. 
Decided to call back because they knew my name and gave information because they told me they had the information they just needed to verify. 
Told SIMM associates I made the payment earlier that day. 
The associate asked if they were allowed to call back if they did not receive the payment. 
I said if the debt is paid dont call me back and erase my records from their system. 
Decided to call the original company and asked if SIMM associates were actually the debt collector and if they have been notified by the original company. 
The original company states SIMM associates was notified by the original company the moment my payment was received. Got the reference number to call regarding this conversation from the original company. 
Called SIMM associates back and told them they should have received an electronic notification from the original company and that the notice was sent out immediately. 
The person on the call told me that what I said is " not true '' and that it usually takes 2-3 days. Is this a violation since they are calling me after my debt had been paid off. And why is an electronic notification not instant?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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 not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting

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 2018-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed a certified signature request letter to Experian on XXXX XXXX. 
The never responded its been past 30 days. 
I mailed another letter XX/XX/2018 certified signature request requesting verification.

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 2021-05-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I requested annual free credit report on XX/XX/XXXX and only Equifax couldn't provide the report online. 

I logged in to their " myequifax.com '' and discovered that my current address in Equifax 's file is XXXX year old formal address. Incorrect current address denied access to annual free credit report. 

Frustrating fact is that I disputed this decade old formal address on XX/XX/XXXX, XXXX and Equifax closed dispute by correcting it on XX/XX/XXXX. 

It is XX/XX/XXXX and their latest credit report still has old address. 
It also indicating that previous requested credit report in print is sent to that old address to a stranger as well. 

Equifax lost my and my spouse 's private information in XXXX along with millions of other customers. Equifax apparently still do not manage these precious confidential information well or care enough to do so. 

I called in again today, XX/XX/XXXX over 30minutes on the phone to correct the address and even placed fraud alert to be alerted, the representative was very polite and professional but I didn't have to spend extra time and concern over this issue over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-11-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reached out to you before regarding my never ending problems with Rushmore Mortgage. You told them to return {$8000.00}. They credited it and then increased my amounts again. The reinstatement amounts and the acceleration amounts are skyrocketing. I will attach proof. They are still REFUSING to accept my mortgage payments, and putting my house in foreclosure. This can not be legal, can it?!? Who can put an end to this? I am running out of options and time. 

They also broke into my house and winterized it and locked it. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX  XXXX Balance : {$4800.00}.

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 2022-08-24
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have looked at the response the PNC Bank have submitted to the CFPB on XX/XX/XXXX. They still didn't provide viable proof and fail to comply with law. There are a couple of things, First, I have never contacted PNC Bank representative XXXX XXXX through the email they have mentioned in the letter in response to the Case Number XXXX. That email does not belong to me and my email address is XXXX. Secondly, I never had any deposit account with XXXX XXXX I believe PNC Bank should verify with XXXX XXXX  directly. I have also sent an email XXXX XXXX ( PNC Bank Representative ) regarding this on XX/XX/XXXX but she never responded back. I am requesting again to ask PNC Bank to correct their record and delete this account from my credit profile ASAP as this issue has been going on since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Citibank processed incorrectly an international wire transfer of $ XXXX. I immediately ordered a cancellation. Due to an internal miscommunication error at Citibank - expressly recognized by a Citibank employee - the operation was not cancelled. Instead of reimbursing me immediately for their mistake, Citibank keeps saying they are trying to recall the unauthorized transfer but every time I call, they estimate longer and longer for me to receive my money back. The estimate to recall the money has gone from a firm 3 days to perhaps 90 days. Meanwhile I'm out $ XXXX and the currency has fluctuated significantly to my loss. Citibank now even fails to return my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My employer was sending a wire to me in the XXXX XXXX XXXX {$15000.00}. He was using his business account with Chase Bank. The money was taken out of the account but was never recieved here in the XXXX XXXX. I got all of the wiring details and the recieving bank here could see that the wire was never completed, they didnt recieve any money. All Chase is saying is that they sent the money but have no evidence that it was sent at all. I had 2 different bank managers from different banks look up the information chase gave me and they both said that the money has not been delivered to the XXXX XXXX. Chase of course is saying that they did their job and to basically leave them alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
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:
( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2023-03-11
Company: Experian Information Solutions 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received my prequalifying from Freedom Mortgage for {$500000.00}. We found a house and submitted the contract to Freedom Mortgage on XX/XX/2022. I did not receive any guidance or information until XX/XX/2022, after I sent an email asking if they needed anything from me. They sent me a loan disclosure and I immediately asked if the closing cost could be adjusted. They came back and said yes and they would send me the new loan disclosure. I got the new disclosure and found that the closing costs went up almost {$5000.00} versus my request to lower it {$5000.00}. At this point, I sent multiple emails throughout the next two weeks with no response. I called and left multiple messages with no response. The house was suppose to be closed on XX/XX/2022. Finally, on XX/XX/2022, the lender finally contacted me and said they are working it. On XX/XX/2022, they said they could not lower the closing costs. On XX/XX/2022, I find out the loan was not even approved and they said they were working it and I received no information after this. XX/XX/2022 came and gone and I lost all my escrow. I still to this date, XX/XX/2022, have received XXXX communication from them. They also did not provide the needed information to the title officer during this process. They set on the VA appraisal for over a week and I received it the week prior to closing. So, we lost the house and the escrow due to Freedom Mortgage not upholding their responsibilities as a mortgage company.

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