BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: IL
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 noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX -XXXX  XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: SC
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 mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is now obvious that the three credit bureaus, XXXX  in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit. 

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate. 

2. XXXX and XXXX XXXX XXXX  have charged off accounts back in 2015 and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by XXXX  that I must deal with the people who put the inquiries on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage services our home mortgage and has had XXXX major servicing errors on our account in less than 45 days. Both of which my wife and I have had to spend significant time resolving. In XXXX of 2015 they incorrectly processed Homeowners insurance payments. After 6 hours on the phone over 4 days and filing notice of error Under CFR 24 they finally resolved and corrected our escrow. Then in XX/XX/XXXX we made out MTG payment and they processed it not once but twice resulting in a NSF charge on our bank account of {$32.00}. We called XX/XX/XXXX to notify them and they we very apologetic and cancelled the duplicated payment and offered to refund us the {$32.00}. We sent the necessary paper work to them that day. On XX/XX/XXXX they on their own accord reversed the initial payment as well and then charged our Mortgage account a {$25.00} NSF charge. At XXXX XXXX on XX/XX/XXXX we received a call from a " Number not available '' from Shellpoint. On that call they demanded to know when and if we were going to pay out mortgage. After I reviewed the account history and speaking to my wife I called back. They admit there mistake and have claimed that IT has fixed the issue. 

Though they resolved the escrow issue and are now working to fix the recent payment processing errors Shellpoint treats its customers as guilty until proven innocent. The only way I seem to get results is to threaten reporting them to this agency. Well, I have had enough ... 
As a servicer should be able to process escrow payments to insurers without tripple paying them, and they should be able to properly process payments without double withdrawing the funds and then charging the consumer a NSF and it should not take hours and hours of the consumers time on the phone fixing their mistakes. 

If I could switch servicers I would ... ....

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have an issue which is reporting on my credit report from Ally financial. The Payment status reporting is not accurate and confusing. I went ahead and sent a letter to Ally requesting more information ( see letter attached ). I did get a response from the dated XX/XX/2020 claiming they can not conduct a reasonable investigation and they are requesting more information. I Provided them with sufficient data to do a proper investigation. I provided my full social along with the partial account number which reports on my credit file. I believe they are trying to circumvent a proper investigation ( see attached ). 

Other issues that I have and prompted the investigation is the missing payment history from XX/XX/XXXX-XX/XX/XXXX. I also completed the term of the loan in good payment history leaving a XXXX balance how can this account be a chargeoff/collection.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance With the fair credit reporting act XXXX account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 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.

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 2020-11-23
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: Account information incorrect

Complaint:
Equifax just dropped by credit score by XXXX points for information that is very old. These guys are ruining my credit score during a pandemic over something that is supposed to be put on hold. I went from XXXX to XXXX for information that is very very old. THIS IS ABSOLUTELY INSANE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2022-08-28
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, XXXX sent me a letter and contacted me by phone in an attempt to collect an invalid debt from XXXX XXXX XXXX in the amount of {$1100.00}. On XX/XX/XXXX, I sent them an email, which the letter says is valid to accept disputes. In my email, I stated the reasons that the debt was invalid and requested proof from the agency. I stated that the company, nor any future owners of the alleged debt, are to contact me for any purpose other than proving the validity of the debt. I had no further contact from the company. 

On XX/XX/XXXX, Sequium Asset Solutions sent me a letter and has been contacting me at least once per day for the same debt, despite never having proven the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes please. 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 2016-11-02
Company: ROYAL UNITED MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My dad was trying to refinance his house so that my husband and I could make repairs to the home and live there. We tried for the FHA. I told the representative that the bathroom needed to be gutted, the home was old and my dad did n't take care of the house. The loan would cover all of the repairs and increase the value of the home. During my conversations with the representative I was never told repairs would have to be done before receiving the loan. He assumed the condition of the home and did n't think he needed to specify. We were denied and I lost about {$500.00}. That 's a lot of money to lose due to miscommunication. He was not thorough with his information and did not inform me of everything I would need to know for the process. I called to speak with him today. As I was asking to speak with someone else he hung up on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH has sent us a fraudulent statement regarding our mortgage. They have refused our payments after they received our last trial payment of our loan modification XXXX XXXX XXXX 2016. They also sent us an intimidating and fraudulent Delinquency Notice. We are being harassed by this company.with these threatening notices being sent to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Investigation took more than 30 days

Complaint:
When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately nine separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion was mailed a letter demanding investigation into two accounts listed on my credit report on or about XX/XX/2021. One is reflected as XXXX and the other is XXXX XXXX XXXX XXXXXXXX. I alleged that neither account is accurate as a valid account for which money is owed. There is no contract that would result in a debt owed for either institution. Investigation was demanded and removal if no verification, in the form of a signed agreement, could be obtained to verify the debt. It is my understanding from review of the results that this investigation did not occur. XXXX appears to have been not investigated at all and left on the report. This debt does not exist and never has existed and if not verified using acceptable means should have been removed. XXXX XXXX XXXX XXXX  was listed as " verified '' despite knowledge that there is no signed agreement giving rise to a debt. As such, it was not verified using acceptable means. If the agency is not going to investigate it properly it should be deleted. Transunion did not conduct a proper investigation.

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 2017-02-08
Company: Collection Service Center, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have to collection from XXXX from XX/XX/XXXX, I have no history of medical bill, since I had my last baby on XX/XX/XXXX and was all cover by XXXX. 
I moved from XXXX to XXXX, I cant verify who sent this bills and why now show in my credit report, I only get a credit for the past XXXX months. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 Citibank allowed an unauthorized user to access my checking account and withdraw {$16000.00} out of my account. When I contacted Citibank they investigated and said it was my fault for allowing this fraudulent transaction. I dont know what they based there decision on because Citibank allowed an unauthorized user to access my account without my consent or approval.

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 2022-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Issue is between USAA and XXXX XXXX Submitted a check from my USAA account to my XXXX at XXXX XXXX Could not deposit due to endorsement problem, so XXXX requested a second check First check return, and second cashed XXXX days later, first check also cashed, and despite XXXX request to return check, XXXX XXXX says it is lost Neither bank, USAA nor XXXX XXXX, is helping me Please help! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately nine separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my 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 explanation
Consumer complaint received 2015-12-28
Company: Direct Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A co-worker and a male friend forwarded me a msg that was left on their work phone and cell phones stating that this was my final notice and that she needed my attorney to contact her by the end of the day. That is a form of harassment. The message came from XXXX, XXXX, the message was left by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-26
Company: ZIONS BANCORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I opened this loan back in XX/XX/XXXX and was scheduled to make manthyl payments of {$460.00} for the next 36 months. A problem has developed where I can no longer afford to make these payments since my medical insurance premiums jumped over 500 % for XX/XX/XXXX. I spoke to my attorney who advised me that I should file for chapter XXXX bankruptcy and that I should contact the creditor about a refinance or a resonable payoff ( settlement ) quote. In contacting the collections department and customer service I am finding that after XXXX or more calls that they are trgfising to listen and cooperate. They either do not have any information to give me or tell me that they will not negotiate ; clearly ignoring and voilating all applicable federal and state laws. If we do not reach an agreement in which I can reasonably pay off this loan, I will be forced to play all audio recordings of these phone calls in open court, demonstrating their contempt and refusal to cooperate -- resulting in the coutt ruling in my favor and forcing them to write off this debt and cease all collection efforts.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute XXXX XXXX XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account Extra XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute

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 2015-06-29
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX/XXXX/15 : XXXX $ of unauthorized ATM withdrawals were made in NJ supposedly using my card. I have never been to the said location and could not have been there at the time of withdrawals ( XXXX ) because I finish work in XXXX , NY at XXXX. 
XXXX/XXXX/15 : I find out my account is depleted and call Citi Bank. They set up an investigation as well as issuing me a new card, and I also change my pin. 
XXXX/XXXX/15 : I file a police report and call Citi Bank again. They decline the claim. 
XXXX/XXXX/15 : I re-submit the claim from a Citi Bank local branch, and the agent sends documents proving that I could not possibly have done the said transactions. 
XXXX/XXXX/15 : Citi Bank decline the claim again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief