BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off from XXXX XXXX XXXX and was offered a grant from Rhode Island Housing Assistance fund for 24 months mortgage payment Assistance but it required my servicer to provide my mortgage records. Which were requested by Rhode Island Housing on well over a month ago and by me daily. I call every day and get nowhere. 

The day I was laid off I called and requested forbearance and it took me two months to get approved. Other servicers are very responsive, and Fifth Third Bank is not willing to help. I will likely lose my grant due to Fifth Third not responding to Rhode Island Housing for my mortgage records and lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: WV
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: UHG, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.

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 2017-11-01
Company: EQUIFAX, INC.
State: ND
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:
XXXX PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home last year with XXXX XXXX, they assured me that they never sell their loans. This XXXX they sold my loan to Specialized loan servicing. The 1st time I tried to set up online payments, I was told there was already an online auto draft set up for this account by customer service. I advised them that was not true, I could not set my online account up. That was suppossedly corrected, last month 's payment of {$910.00} went through without any hitch. This month when I tried to make my monthly payment, my payment is {$1000.00}. over {$160.00}, more than normal. I called customer service and was told that an escrow analysis was done, and it showed a shortage. I advised that they have the home address and email address, neither one was communicated that there was any sort of shortage, nor was I given an opportunity to pay any shortage. I requested to speak with a manager, I was told they only had one more hour to work and the manager is not available. That he would call me back in the morning between XXXX. No one has attempted to reach me, it is after XXXX. I know predatory lending, I have been a Realtor for 32 years now. I never had a problem with 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 explanation
Consumer complaint received 2021-03-09
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: Their investigation did not fix an error on your report

Complaint:
I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

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 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
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 has XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX 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 a account without my written instructions.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on 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 non-monetary relief
Consumer complaint received 2019-07-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Have two loans where Lakeview Loan Servicer is the servicer. They have lost a {$4500.00} check for which I have the cancelled check. Secondly, on another check, they have applied the full {$4500.00} check to one loan as a principal reduction. As such, they show me as up to 60 days delinquent for now 3 months. I have waited for hours to talk to service people and they can see the problem and say they will address. I have sent them copies of all cancelled checks and have heard nothing. I have called again today ( from work ) and have left a number for them to call me, and two hours later, I have not heard from them. They have significantly impacted my credit score to the point where I can not obtain refinancing. 

I am writing letters to their head office but can't find anybody to address it to. I can only say that this is a fraud. I strongly suggest that nobody should accept Lakeview as their loan servicer.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My previous account with XXXX XXXX XXXX was never delinquent and Satisfactorily Paid In Full. But Experian sees it fit to Status report it otherwise, impeding my ability to obtain any measurable credit and every attempts I've made to secure credit, including a mortgage for home purchase lately has been marred by their incorrect/inappropriate remarks which has caused my credit rating to suffer quite significantly over the past two weeks. 

Experian must remove their bogus, negative remarks and adjust as Satisfactorily Paid In Full with immediate effect. 

Sincerely! 

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 explanation
Consumer complaint received 2022-08-14
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:
EQUIFAX you reinstalled a account with out notify me XXXX days in advance that is a violation of the Fair Credit Reporting Act you also have on this account past due this account was sold TO A COLLECTION COMPANY when THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT YOU REINSTALLED IT WITH THE ORIGINAL CREDITOR STATEING YOU HAVE A CERTIFICATEENCLOSED ARE A LONG LIST OF U.S.C. CODES YOU AND YOUR DEBTOR have violated also XXXX XXXX States selling a vehicle without notifying consumer of where and when the sale of vehicle was taking place

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Submitted a dispute to Equifax about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank : City Bank Date : XX/XX/2019 Amount : {$1400.00} Vendor : XXXX XXXX is an online selling platform like XXXX and XXXX but only difference is XXXX encourages fraud XXXX sellers as XXXX is a XXXX company. 

One fraud seller claimed that he is XXXX Security Camera authorized seller/dealer and recommended me to buy XXXX   cameras. After purchasing these, I realized that cameras are of not good quality and also seller is fraud and not authorized XXXX seller or vendor. I contacted seller to return the items and get the money back. seller and XXXX refused. Fraud seller even offered me 2 years warranty but now he longer answers to my calls and text as he is a fraud and his main intention is to cheat American buyers. I paid with citi visa card. Both citi bank and visa card didn't help me in this matter. I request government to step in help save hard earned money of American citizens from fraud XXXX. 

Citi Bank Dispute Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I Tried to send payment to XXXX XXXX XXXX XXXX XXXX XXXX It needed to be there today. I was advised it usually takes about 15 minutes to a half hour but it should be there today. A check with the Bank around XXXX indicated they did not have it. WU agent informed me money was there avaibale but the bank did not reach out and collect it. Call them She also said it could take up to 24 to 48 hours which was unacceptable! I called the bank. At XXXX Bank called and still no money! I recalled WU who informed me Money was returned. Who authorized a return DUH! Asked for Manager got the same response from a Supervisor- unacceptable- I demanded a Manger and God one named XXXX who said that was MISINFORMATION! He said he it take 3 to 5 days totally unacceptable- After a rather direct talk he stated he would expedite it and reach out to their third party processor via email! He assured me they will try to process ASAP! Note IF THEY WOULD HAVE RETURNED IT AT XXXX XXXX  THAT LEFT TIME TO GO SOMEWHERE ELSE- NO THEY SAID IT WAS WAITING ON MY BANK! They have created a serious financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  XXXX  XXXX  acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. 

XXXX  XXXX  XXXX  acc XXXX this acc do not belong to me XXXX  XXXX acc XXXX this acc do not belong tome

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 2017-10-20
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: IN
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:
I have a bankruptcy that should have been taken off my credit report a long time ago.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: SC
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:
Experian did not properly investigate my dispute of an old XXXX  XXXX account that now belongs to XXXX in their " investigation '' they researched and updated my other XXXX XXXX  XXXX  accounts that has nothing to do with the closed XXXX  XXXX account that I was disputing. Their can't be more proof they don't do proper investigations. I have disputed this no less than XXXX  times in the past XXXX years and the status date still says XX/XX/2017. This is ridiculous

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 2019-07-18
Company: OUT TECH, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency by name " Bureau of Account Management '' has sent me a letter for collecting debt for amount {$4600.00} on XXXX XX/XX/XXXX. This is for the medical services provider " XXXX XXXX XXXX XXXX '' for date of service on XX/XX/XXXX. 

The amount due as mentioned in the letter for {$4600.00} is incorrect. I called up the provider and had a conference call with collection agency representative on XX/XX/XXXX, where the amount due as confirmed by the provider was {$1100.00} The collection agency was supposed to send me a letter confirming the revised amount, but I did not received any letter. Instead the collection agency representative keeps calling me and leaving phone messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a victim of an internet wire transfer scam. This involved XXXX XXXX, Bank of America, Alliant Title and Escrow for the closing of my house in Florida. 

I feel Alliant Title and Escrow bear the most responsibility to have prevent this from happening. The reason I say this is because the hacker/scammer use the office manager look alike logo to intercept the closing. The manager was sending out emails with my information with incorrect property address. She doesn't verify any of the email she sent out and I find few emails afterward that was sent to me and in spam box with wrong address information and confidential documents without passcode. 

XX/XX/2022 Scammer initiated email on closing wire instruction. ( loan officer was cc on email and didnt catch it ). 

XX/XX/2022 I went to XXXX XXXX  and XXXX  officer and I were on the phone with Alliant title with wire instruction. Title office manager failed to verify the correct information. A wire transfer was drafted. 

XX/XX/2022 I went to XXXX with the drafted wire and wire instruction. A copy of wire instruction was not included in closing package ( mobile notary ) in the morning. An email was sent to title company that a wire was sent. Title company manager ( main contact ) email back stating wire takes some time and its normal they dont get money right away. I realized this is not true from the bank. Wire transfer are instant. 

XX/XX/2022 Alliant Title and Escrow office manager email out asking where the XXXX exchange company and I wire the money for closing. As it turns out, XXXX exchange company wired the money to the 1st title company. She never updated the XXXX exchange company the new wire information or never verify of wire instruction she email out. 
XX/XX/2022 I request my bank, XXXX to do a SWIFT recall on the wire transfer against Bank of America. The fraud account is a domestic account. 
XX/XX/2022 File OCC and FBI-IC3 online for internet wire transfer scam/fraud. 

I have filed a case with XXXX XXXX  on XX/XX/2022 and IC3 report on XX/XX/2022. I also filed a complain with OCC but case was closed by them. 

Its already 90 days and no resolution yet. XXXX XXXX  say Bank of America didnt not deny or respond to recall of fund.

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