BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: GA
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:
Upon securing an updated copy of my Credit Report from XXXX, I hurriedly checked the accounts which I previously disputed and realized that the Accounts were never corrected. I am frustrated by this and it disappoints me seeing the Credit Bureaus having no assertion about the status of the disputed accounts on my Credit File. The Credit Bureaus are given ample amount of time to conduct their investigation and correct the disputed accounts and yet they have failed to do so. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}, and XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting this XXXX same account from XXXX three times which is against FCRA. This is not my account Navient account number XXXX. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account. I have never signed or had any affiliation with this account. Again, asking for the immediate deletion of this fraudulent account which is reporting three times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have faxed a copy of my birth certificate, social security number info, proof of residency along with other documents to Equifax twice. I sent it again to XXXX XXXX at fax number XXXX and I faxed it prior to customer service at XXXX, so it is no reason for Equifax to respond and say they need this information as I have already faxed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I checked my mailbox and I received a letter from my local tax office. I have a Mortgage with Cross Country Mortgage LLC. This company has not paid all of the property tax that was owed. I closed on the home XXXX, 2021. I have an escrow account. The money should have been paid. I pay my mortgage on time every month. I have called and sent an email with the statement. I have called multiple times and went to my local tax office. Each time that I call Cross Country Mortgage, C I am being told it has went to the escalation team but there is no payment sent. This unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : account # XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-01-19
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is not valid and I DO NOT OWE this debt. We are still customers with XXXX XXXX XXXX XXXX. We moved from one location to another location and kept the service. If we owe this debt, why didn't they just shut our service off which we have had at the new location for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Based on the FICO info I access thru my XXXX account on last XXXX I had XXXX of my credit score and having an average from XXXX to XXXX from last XX/XX/XXXX no late payments at all, no problems with any bank or mortgage. 
Why Experian decrease 56 points having now XXXX, after paid off and close 2 of my accounts on last XXXX and XX/XX/XXXX?? 

XXXX XXXX {$68000.00} paid in full on last XX/XX/XXXX no late payments at all. 
XXXX XXXX XXXX {$18000.00} paid in full no late payments at all.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXX I noticed a dispute open on my experian report that I did not open. I called experian and spoke with a manager who explained it was an error made on their end, so I demanded that it be removed from my report as I did not authorize or request the dispute to be open and that the representative of experian who misused my sensitive personal information be fired, the supervisor then proceeded to hang up on me, I called back within minutes and was told I was unable to speak with any supervisor at all.

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 2015-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX and Equifax have failed to remove the negativeinquiry in my credit report. This debt was fully paid and close. Equifax notresponding my mails or allowing me to view my credit report. As perEquifax, I was asked to forward copy of my drivers lic in order for me to filea dispute but never received and response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  is reporting incorrect information to my credit report that is adverse. I tried contacting  XXXX  without success. I filed a complaint to the BBB and  XXXX  refuses to remove the information reporting to my credit report. They according to different departments said when I moved they canceled my service and charged an early termination fee that got paid and should not of. When we moved our services with  XXXX  the fiber optic line was damaged d own the road an d they had to splice the line. Since we have had terrible service and resided to cancel service due to lack of a clear picture on tv.  <P/> In our last place the picture was clear and believe the problem was in the repair. We had to spend the entire day waiting for  XXXX  to fix the problem. We could not leave or the tech would not complete the install.  XXXX  has there billing all incorrect and spending time on the phone for hours we figured it out. Each department will not communicate with each other to help resolve this. So in the mean time I am stuck with adverse information that is not correct and should not be on my credit report. I am stuck getting higher rates on loans because of  XXXX  mistake.  <P/> There address provided is  XXXX   XXXX   XXXX  NY  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 2022-03-16
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX, XXXX, I signed on to my Nelnent online portal and increased the amount of my auto-debit from my min payment ( $ XXXX ) to $ XXXX. In XX/XX/XXXX there was no auto debit from my account. 3 months of and multiple calls/chats later, my auto debit issue is fixed ( it was an issue on the Nelnet side XXXX not the bank side ). 
Now my monthly payment has gone up from $ XXXX to $ XXXX. 
Upon contacting Nelnet, it seems my loan was re-disclosed on XX/XX/XXXX and the terms changed from XXXX payments remaining in XX/XX/XXXX to XXXX payments remaining in XX/XX/XXXX. 
The problem is I can not afford the new terms. 
This seems wrong and illegal to rewrite terms that I signed many years ago. 
Nelnet has told me the only course of action is to either put the loans in forbearance or to do a Direct Consolidation Loan. 
Do I have any rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
discover credit card froze my wife 's credit account without authorization because they needed to review tax returns and income. my wife had an established credit with them for two years. when i called to to ask about my wifes account they closed my account. this will affect my credit even though the credit card are payed in full. this company has not right close my account and affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2015-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute regarding the retention of a tax lien on my credit report that has been paid and released. Because Equifax continues to report the lien although it lists the lien as paid/released it continues to be a derogatory notation and negatively impacts my credit score. Both the IRS and the Records Department stated that they Do Not report to the credit agencies and this old debt has nothing to do with Equifax there is no one to discuss the matter with ( IRS ) or ( XXXX XXXX XXXX XXXX I have no recourse and am at the disposal of Equifax and it has No stake in this matter and only serves to be a noose around my neck. 
The other CRAs have deleted this derogatory information and there is no reason that Equifax should not delete the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
HELOC with Citizens Bank of Rhode Island in XXXX. HELOC draw period has ended in XX/XX/XXXX with no remaining money to use. HELOC Acct number is XXXX. 

Applied for Mortgage assistance/relief through a HUD approved housing counsellor called XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and was approved. However, they need the three most recent statements which I do not have and Citizens Bank & their outside law firm XXXX XXXX will not provide these statements so that the money can be released. 

POC at XXXX XXXX XXXX is XXXX XXXX XXXX. 

Request that the CFPB intercede to obtain these 3 statements so that XXXX can move forward with disbursing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Service Finance Holdings, LLC
State: UT
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:
Service Finance is reporting erroneously on my credit file. I have a personal loan through them but it is being reported as a mortgage. This is not a mortgage. I need the account type to change, it is affecting my financing for other things because it looks like a foreclosure mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: GOLDMAN SACHS BANK USA
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:
SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER PERSONAL INFORMATION TO OPEN UP ACCOUNTS IN MY NAME FRAUDULENTLY. I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries listed on my credit report that I have disputed and they come back verified. Letters to the collection agency have gone unanswered requesting full validation of debt. This company is no longer in business per the XXXX website. In additon, XXXX XXXX XXXX recently entered into a consent agreement with CFPB for violations against consumers. So how exactly did the credit bureau obtain verification of debt from a company that is no longer in business???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
When I disputed this issue with the credit reporting agency XXXX creditor did the right thing but XXXX creditor continued with their sneaky way of reporting incorrect information. XXXX XXXX XXXX Card continues to report a credit card that was 'charged off ' in XX/XX/XXXX as 'open ' and the balance due as {$430.00} on my credit report. Which looks as if I am using XXXX % of my credit because the high balance that the card held was {$250.00}. I have contacted them and Experian but they investigated and XXXX XXXX corrected the account status at the time and now has since changed it back to an 'open ' status instead of 'charged off/closed '. 
2.They also keep changing the dates of the charge off. XXXX credit report has XX/XX/XXXX and the most recent says XX/XX/XXXX. 
3.They have also changed my last payment date to XX/XX/XXXX when it was really XX/XX/XXXX. ( this is XXXX way to verify the unfair information being reported. Request a copy of my 'so called ' last payment that they are reporting I made in XX/XX/XXXX ) 4.Finally. they have changed the account number in order to keep it on the report undetected as an old account past it 's seven year period of reporting. 
The credit reporting agencies disputes are not getting the job done. They just take the companies ' word and they do not request documents to verify what they are reporting. 
*I do not mind at all paying the bills that I owe however, according to the Fair Reporting Act, this company is not playing fair at all. Their tactics are sneaky and underhanded, not to mention, breaking the law. I just want other consumers to be aware of this bank 's unfair practices and for them to be stopped. 

Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NO DEBT WITH THIS COLLECTION COMPANY, The company has failed to identify documents signed by me, the company never sent over file with documents to prove that this debt is mine the company failed to provide proof of this loan payment and amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been a customer with HSBC Bank for over 5 years now. I have my personal and 3 business accounts with them. 

A month ago, I opened up a new business account, because I am in the process of purchasing a property. The purpose of the account I opened is because I am planning to purchase the property under the LLC. 

When I opened the account up, I let the manager " XXXX '' know what the purpose of the account was, and that I'll be receiving and sending out wires as needed to complete my purchase and all transactions needed for it. 

Today, XX/XX/2021, was supposed to be the day we close on the house. I went into the branch at XXXX XXXX and asked to wire money to my lender 's attorney for closing. The manager on duty " XXXX '' told me that HSBC has this policy that they do not wire money from business accounts from inside the branch, but they can from my personal. 

So we decided to move the money into my personal account, so we can process the wire. For wire transfers, they need 2 managers to be able to approve it, and XXXX was the only one in today, so he had to call another branch to get the 2nd approval. 

He called XXXX XXXX, the branch manager at the HSBC XXXX XXXX branch. She got on the phone and from the beginning had a nasty attitude, and after a couple of minutes speaking with XXXX, she demanded to speak to me. After answering her questions about the transactions in my account, she denied to release my wire. When I called her out on her bad attitude, she got mad, hung up the phone on me and proceeded to freeze my funds. All of this is completely uncalled for. I have never spoken to or been associated with this lady and she illegally put a freeze in my account. 

They have not only frozen my account, but it looks like they have gone ahead and closed both my personal and the LLC account I opened up for the purchase of my house. This resulted in putting me in a terrible situation with the seller of the house I am attempting to purchase. Now I am at risk of losing the house and my contract deposit because of this nonsense they put me through that resulted in my closing being canceled today. 

This is absolutely unacceptable treatment. XXXX XXXX needs to be held accountable for escalating a situation that was supposed to be very simple and straight forward. She should not be allowed to handle people and their finances. 

I am uploading my contract for the house and Operating Agreement for my LLC to prove that this entire situation has created a huge unnecessary set of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is the servicer on our Mortgage. We have been in our home for 20 years and they claim we owe XXXX. The loan was transferred to them around 2008 and has never been recorded in the Court. We have constantly asked for proof of how much we owe, it has never been provided. Now they are trying to foreclose on our home.

Company response to consumer: Closed with explanation