BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a written inquiry to the mortgage company on XX/XX/2018 asking that they re-analyze my escrow account. Due to switching home owners insurance ( to a more affordable policy ), I had sent the refund check I received from the previous insurance company to the mortgage company and it was clearly marked " Attention Escrow '' which was what I was advised by the mortgage company to do. When the mortgage company received the check, they applied part of the funds to my monthly mortgage payment and the remainder went toward loan principle ( instead of going towards the escrow account as intended and requested ). 

Because the funds were not applied as requested, my escrow account had a deficit during the year end escrow-analysis. I learned of this error when I received a letter from the mortgage company informing me that my monthly payments were going up instead of down ( as expected due to cheaper insurance ), this was an approximate {$80.00} difference per monthly payment. 

The mortgage company responded approximately monthly saying, in essence, " we are working on it ''. 

Now, XX/XX/2018 ( 113 days after the initial request ), I call the mortgage company only to learn that the letter I received on XX/XX/XXXX that states that the mortgage company is in the process of reversing and re-applying this transaction and will send me my new monthly payment amount, was not followed up on by the company. 

In other words, after the mortgage company took 3 months to research the issue and decided they were going fix it as of the date of the XX/XX/XXXX letter, no one did anything. When I spoke with the customer service representative today, XX/XX/XXXX, he said that " it appears no one actually requested the re-analysis ... I'll request that now for you.. '' Meanwhile I have been paying {$80.00} more per month because this mortgage company is requiring for reasons that are not my fault, but a result of their terrible clerical and administrative services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. I did not authorize these inquiries XXXXIR Date of inquiry : XX/XX/2020 Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 18. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently found out I no longer have any credit score with the credit reporting agencies and decided to apply for a personal card through American Express since they have access to my 22 year history with my Amex Business card. This card is still in use and the payment history is spotless. I got this in XXXX when I owned a small business that sold in XXXX. I have used this card for personal use since then. 
I applied by phone and the agent told me I was turned down. He said he didnt have access to the reason and, after some discussion, transferred me to the New Accounts Department. I asked the representative if he was able to access my credit history with American Express, which he promptly did. He thanked me for my 22 years of being an excellent customer in good standing and thanked me for using American Express. 
I then told him I had just been turned down for an Amex personal card and asked him if he could access that information, which he did. He then informed me that I was turned down because I have NO CRDEIT HISTORY. At that moment, I was speechless. 
I asked him if he really just said that to me. I heard vocal sounds like he was starting to reply then, he was speechless. Finally, he said, I see. I understand. He said he would turn the application over to the underwriters for personal review. 

Yesterday, I received a letter informing me that my application for credit was reviewed by a supervisor and turned down due to NO CREDIT HISTORY. 

Im XXXX years old. I opened my first bank savings account when I was about XXXX years old and, with it, I had enough for 50 % of a downpayment on my first house in XXXX. I got my first credit, a credit card, at age XXXX. I have had numerous mortgages, loans, business loans and credit cards over the years in good standing and all paid in full except for my existing Amex business card, which has a very high credit limit, is paid many months in full and is in good standing. 

I am unable get a personal credit card. I am unable to establish credit. 
I know of folks who have had serious financial troubles and a very low credit score and they were able to get a credit card. 
I can not. This situation is crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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:
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 2019-03-23
Company: EQUIFAX, INC.
State: MO
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:
I have been enrolled in school XXXX XXXX since 2016. XXXX XXXX XXXX and US Department of Education are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school XXXX XXXX. I have disputed the two XXXX  XXXX XXXX accounts and the two US Department of Education accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and US Department of education and both have told me that they will not change how the loans are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my credit report ( because I became suspicious after receiving various calls from countless collection agencies calling my house ) on XXXX XXXX, XXXX, via XXXX and therefore, I became aware of odd credit card accounts lodged on my credit report which does not belong to me. I am classifying this incident as a breach of my personal identity and thus reporting this as fraudulent activity against me. I was a prior victim of identity theft back in XXXX, while XXXX during my eleven and a half years in XXXX XXXX ( this situation seems to be never ending ). Now, I am finding out I have fallen victim to the same circumstance like XXXX incident, in which my mother filed the police report on my behalf during my XXXX and placed various fraud alerts and a credit freeze on all three credit files, plus reports with other government agencies. I have filed an online identity theft report with www.identitytheft.gov, ref # XXXX ; filed a credit bureau fraud alert at XXXX  confirmation number : XXXX ; and filed a fraud alert with the Federal Trade Commission at www.consumer.ftc.gov, ref # XXXX. I did not authorize, collude, conspire, or give authorization, or grant permission for anyone to open up any credit card account in my name, nor did I have prior knowledge of any accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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 countless 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Scott Fetzer Financial Group Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My complaint against UCFS is they are refusing to freeze loans or offer loan forgiveness to people who are invloved in the case study for the XXXX XXXX dispensers. This lender does not consider consumer rights. UCFS did not do their due diligence in determining that these dispensers are extremely unstable, or tested properly and do not last the life of the loan. Filters are required which were never stated to be required causing health hazards ( mold poisoning ). They are not available nor mentioned in the manual. The product is falsely advertised to produce 5-9ppm hydrogen for the Elite X machine, when in fact in produces only 2pm h2. I question whether UCFS knew that one of the of the owners of XXXX has fraud charges pending against him in another business. These machines are nothing more than malfunctioning water coolers and they were never tested properly in the US. There is no recourse from XXXX. An article from XXXX describing XXXX 's ponzi scam case study of these H2 machines explain that participants are not being compensated for the loan payments due every month to UCFS. Knowing that XXXX is under investigation and ripping people off UCFS is not answering our complaints. Other loan institutions are forgiving these loans but UCFS wont answer to this matter. Its been going on since XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 countless 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

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 non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently a pro se defendant in a lawsuit filed by an attorney claiming to represent PNC Bank, NA, as the Plaintiff in XXXX, 2019. This lawsuit filed against me is for the purpose of evicting me from my home of almost 15 years. I am a XXXX year old female, twice widowed with XXXX  adult children. 

I am a XXXX individual suffering from XXXX, XXXX XXXX   XXXX and an XXXX XXXX. I had been making progress with my medical team. 

I have spoken directly with PNC Bank on numerous occasions since the onset of this complaint filed against me. PNC Bank has repeatedly confirmed they have no records or information of ever having any mortgage with me for my homestead property. They have repeatedly confirmed ( after a thorough search of my name, social security number, and/or property address ) they have no knowledge of me or any purported mortgage with me. 

I have records and witnesses to these conversations with PNC Bank. I was informed by PNC during a phone call ( approximately one month ago ) that they would send me verification of this by mail or email but have not received anything. 

The XXXX XXXX of this situation has caused extreme worsening   of my XXXX. 

Obviously, this matter needs immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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 countless 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: AR
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 found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.

Company response to consumer: Closed with explanation