BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I physically mailed a check for {$5000.00} to my Private Student Loan Provider Firstmark Services. I have done this before and have had no issues. On XX/XX/XXXX, I checked my bank account and see that I have {$10000.00} less in my bank account instead of just {$5000.00} less. I look into it and come to find out that Firstmark cashed my check twice somehow. This can be seen on their payment history as well as on my bank account. On their payment history, the check is cashed twice on XX/XX/XXXX. On my bank account, the check is cashed on XX/XX/XXXX and XX/XX/XXXX. I first call Firstmark Services on XX/XX/XXXX to alert them to the issue. They tell me to send them proof on my bank account that I was double charged, so I do. They immediately fix the issue on their end, so the screenshot of the double charge on my payment history says it is reversed. On XX/XX/XXXX I received an email reply from them basically saying they received my email and they reviewed my account. That being said, as of XX/XX/XXXX I still have yet to be refunded the {$5000.00} that they double charged me for. I have called Firstmark Services a total of 5 times ( a total of XXXX minutes ) since I noticed the mistake : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I call, I am told that it should be fixed in the next few days. Therefore, that is why I have now called them a total of 5 times. They can not seem to explain to me what the hold-up is and when I shall be issued my refund. They can not even tell me the check number that has been issued because they have yet to write a check to refund me. It has now been a month since I've been double charged without a viable explanation of what is going on. I have also been told multiple times that someone will call me back with more information, but that has yet to happen. On XX/XX/XXXX, I reached out to my bank XXXX XXXX XXXX and they said they would also contact Firstmark Services. I have yet to hear what has come from XXXX XXXX XXXX reaching out to Firstmark Services. 

Regarding attachments below : I have attached the email I sent Firstmark Services and their response. I attached the original screenshot I sent Firstmark Services of the same check being charged twice. I have attached a screenshot of my payment history at Firstmark Services showing the double charge and the charge on their end being reversed. I have attached my bank account statements for XXXX and XX/XX/XXXX to show the double charge and lack of a refund. I have also attached a picture of my check receipt and my call history to Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: CA
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 account is under litigation the balance is incorrect I need it closed and removed from my credit report 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 furnish an account without my written instructions.

15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year Roundpoint sends me a letter stating that they need my property insurance for my condominium including the Condo Master Policy and the Unit Owners Policy. Every year I submit this information through the portal that they request ( XXXX  ) and get a confirmation of receipt. However, Roundpoint still ends up sending me multiple notices claiming they have " not received the current property insurance for your Unit ''. 

I have attached evidence of receipt of my insurance policies on XX/XX/2022 from XXXX. I also have separately attached : ( a ) the master association policy ; ( b ) the condominium unit policy including that Roundpoint is listed as the mortgagor ( they send proof of insurance to the mortgagor each year for every single insured party as part of their standard processes ) ; and ( c ) the letter they mailed to me dated XX/XX/2022, more than three weeks since XXXX acknowledged receipt of both policies. 

I own multiple properties that are part of a condominium association, but Roundpoint is the only servicer that can not figure out how to directly request the master policy from the association, or do basic due diligence to make sure that policies have been submitted via XXXX  Separately, my unit insurer, XXXX, directly sends the policy information to Roundpoint as well.

I am not sure if Roundpoint does this to try to put an insurance policy on the property themselves to make more money or what, but given that this is a recurring annual issue it is probably something systematic to other borrowers.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

Experian 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 2022-11-24
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I opened a new checking account with Citibank because of a promotion incentive they offered for having a specific balance for a certain amount of time and you will receive a cash bonus. When I transferred funds from my husbands checking account ( in which we both are on the account ) into my new Citibank account with the amount of {$59000.00} they froze my account. I happened to find this out because after 2 weeks passed, I never received my debit card in the mail. I called Citi and first they hung up the phone on me. I call back and finally, someone didn't hang up on me and decided to try and help me out. When asked to send me a new debit card, they mentioned it was going to the wrong address? Then over 25 minutes after trying to figure out how they had the wrong address, the gentlemen says he cant submit for a new card because the account has been blocked. He then transfers me to the fraud department. They hang up. I call back, and they tell me nothing and that I will receive a letter in the mail explaining why they have blocked my account. In the meantime, I have been unable to use my account, transfer funds, access funds, still no debit card and of course no letter. Not sure what else can be done? I have money that needs to be accessed for family xmas and Citibank does not accept customer service concerns nor do they provide reasoning of these actions? If they could provide me with guidance as to what they need in order to unblock my account that would be great. Or, just unblock my account so that I can access MY OWN MONEY!

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 2022-11-27
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Called Affirm on XX/XX/27 Spoke with : XXXX XXXX. 
Time : XXXX Called Affirm on the morning of XX/XX/27 and spoke with XXXX XXXX to see if I could get assistance with taking off my overdue payments of {$160.00} for my XXXX loan account and {$53.00} for my XXXX account until I can get caught up and back on track. Stated that I had symptoms of covid and was out of work. Advised I have been financially impacted by covid. XXXX advised they could pause notifications for overdue alerts which didnt help because the overdue payments would still be there. 

I then provided my email for information regarding the loan modifications to be emailed to me. I Filled out the loan modification form and was approved to have my XXXX loan which was overdue by {$160.00} deferred for a month. But was not approved for the loan of {$53.00} which was also overdue. It would have been great to have the payments taken off so I wouldnt have to play catch up with all of my bills. I would greatly appreciate any assistance as of right now Im having a problem with getting groceries, paying bills, just maintaining and its causing a real strain and stress for my family. I currently have had a significant loss in pay as well due to a high cut back on gig work due to the low demand on gig work and cut back on pay. I feel that this is all very overwhelming and this was the lowest amount of help due to the fact that I have been on time with my payments previous to this and also have paid off loans as well. 

Who : XXXX XXXX : XX/XX/27 Time : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
XXXX XXXX  {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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 the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
To whom this XXXX concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 



Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

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 2022-11-24
Company: Block, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 I called police for being a victim of identity theft they go against me and send me to hospital XXXXXXXX XXXX and I'm in a data breach with XXXX XXXX XXXX company and XXXX XXXX XXXX XXXX student loans done not y me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XXXX/XXXX/2013

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 2022-11-24
Company: Experian Information Solutions Inc.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$29000.00} ; 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-01-19
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:
XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

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 2022-08-19
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dispute outstanding balance of {$33.00}. I closed a account at HANCOCK WHITNEY years ago. I only had a ATM card and used it at the branch I opened the account at. I understood no charge for using their ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: LoanCare, LLC
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I got a letter mid XX/XX/XXXX that my town had not received my RealEstate Taxes that were supposedly paid XX/XX/XXXX from my XXXX account at loan care. I contaceted loan care to resolve the issue and sent in supporting documents. They said would be handeled in the next 10 days. I waited XXXX week and checked back in and they said was taken care of. I then called the town office and they still had not heard from Loan Care. I called them back and they said that they called on XX/XX/XXXX and talked to XXXX and she said everything was all set. My town office is closed on XXXX and There is no XXXX that works there. They said that they would lescalate and take care of by the next day as I am facing a Lein on my property. Called the next day and they said another XXXX business days. I told them not acceptable as the Lein will be placed before then and she said there is noting I can do and hung up. I want LoanCare to take care of this issue ASAP!!! This is not acceptable.

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 2022-08-19
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and paid off the mortgage XX/XX/XXXX. No form was provided to change the address for an escrow refund I didn't know I would receive. They sent a check XX/XX/XXXX in the mail to my paid off home that they knew I sold. By XX/XX/XXXX it was not forwarded, and all attempts to change my address prior to that were unsuccessful, so I called. Address got changed and I asked them to re-issue the check. The rep asked her supervisor if she could put a rush on it and they approved it, so she said I'd receive the check NLT XX/XX/XXXX. I did not receive it, so I called. The same XXXX canceled the rush and the re-issue XX/XX/XXXX. I asked that since it would be into XXXX, well beyond XXXX days since the initial check was mailed and not received, that they again approve to overnight the check- this is not a small check, it's {$1300.00}. They assured me it would be overnighted XX/XX/XXXX. I am on the phone with them because they were supposed to send me a tracking number and I did not receive it. Once again I am being told they mailed the check in regular mail and denied the request.

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