BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX Bank which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date assigned- XX/XX/XXXX Original amount owed- {$240.00} Date of last Payment- XX/XX/XXXX Balanced owed- {$0.00} I have reached out to this company several times about removing this charge off from my credit report, they have refused to remove it even though the account was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I requested a payoff amount for my home mortgage loan and when I called Wells Fargo on XXXX XXXX to check on the status of my recorded request, I was informed that they do not have it and to submit another request for your payoff amount. I informed the supervisor on duty that your company is in violation of 15 US code 1639g and to correct the issue. The supervisor was unable to correct it but instead informed me that they will escalate it and make a complaint on my behalf to management.

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 2022-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dispute Letter have been sent to Experian on dates below : Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120 Days i have not received any response or report of investigation. I feel like i am been taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. 
Furthermore Section 611 ( a ) ( 1 ) ( A ) of FRCA Law states clearly that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. it has been over 120days, so they should be deleted immediately and promptly.

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 2018-06-16
Company: DISCOVER BANK
State: KS
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 never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was checking the balance on my prepaid VanilaGift card at approx XXXX on XX/XX/2022. I clicked on the first website ( it said ad... mimicked the official site ). I put in my card info and it didn't give me the balance ... .i looked closer at the web address and it said Vanillasgift.com instead of Vanillagift.com. AGGHHH I immediately called the number on the back of my card ... while I was on hold XXXX was taken from the card. Finally after about 20 minutes a customer service guy answered to tell me he put my card on hold and that I would need to call back tomorrow to dispute the charge. I asked why I couldn't dispute it now? Don't pay it! He said that's all he could do.End of call. I called back and asked the young woman, that answered after 20 minutes, why do I have to wait until tomorrow? I explained the fraudulent site to her as well. I asked her please to not let the thieves get the money... stop the charge! She said I could call the merchant ( UHHH nooooo! they have a fraudulent website ) She said that the merchant 's name is ANY SENSE ( ouch ) that they are out of Georgia and their phone number is XXXX XXXX XXXX ( careful!!! They are scammers ) She also said to call back tomorrow after they post the charge. I pleaded for them to not pay the scammers. She informed me that they would have to willingly give back the money. AGGHHHH I will dispute the charges tomorrow as they told me to. I can not afford this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Shellpoint Partners, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked Shellpoint Mortgage Servicing repeatedly for an escrow accounting. They have sent me all sorts of conflicting documents and have changed my escrow amount by over {$800.00} per month without an accounting. I want an escrow analysis showing how my escrow payment was calculated and how the monies collected were disbursed. I have asked for this via email and got automated acknowledgement on the following dates below. Shellpoint assumed debt servicing on XX/XX/XXXX from XXXX  XXXX XXXX and has since sold the loan to another company effective XX/XX/XXXX. With change in servicing to yet another company, getting an official accounting of my escrow will be virtually impossible. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions 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:
I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.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 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
status of my account is showing that it was written off for {$610.00} dollars and the account was paid in full and the status is not showing paid in full on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
status of my account is showing that it was written off for {$610.00} dollars and the account was paid in full and the status is not showing paid in full on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Small Business Checking account. 
Did an ACH deposit for the opening. 
Trying to deposit a check, using mobile, and there is a limit of {$500.00} a day on deposits. The option the company gives, is to visit a branch. The nearest branch is XXXX1000 miles away. 

https : //answers.usbank.com/answers/s/article/What-if-my-check-exceeds-my-mobile-deposit-limit-and-theres-no-branches-in-my-state As you can see, since I don't have an ATM or Branch within 1000 miles, and it is a business account, there is no way to deposit money. The website says they can only accept mailin checks for personal accounts.

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 2021-11-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Refuses to pay owed escrow from a payoff. The loan funded on XX/XX/XXXX, called and they refuse to show evidence or send a check to pay the balance of the escrow account. I spoke with XXXX ( Operator XXXX ) with the escalation, and he flat out refused, telling me to mail my concern to a corporate address. 

This is for loan 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 2021-11-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan through Santander Consumer USA. After about a year and a half my vehicle was repo 'd and I had no way to pay off the remainder of the balance. I was already involved in a lawsuit against Santander Consumer USA regarding them purposely giving out loans to people on terms that they knew they could not pay back. I was advised that once settled ( which it was ) I would receive a check ( I got {$480.00} ) as well as removal of the repo and account from my credit report. 

I have disputed the report now twice and twice now Santander has retaliated and reopened the report tanking my credit score by over 100 points. This is not fair, this company fraudulently was caught and now they are continuing to make my life hard instead of just moving on. They lost the $ XXXX suit and are still badgering me when I have moved on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: CA
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 am filing this complaint because experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible.
As I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulatlions enacted as a result of CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibility or the mandates nor the liabilities should that entity becomed deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE AND physically proven metro 2 compliant informatlion reporting I do not AUTHORIZE YOU to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already rectified by the other major credit bureaus as mandated by law. thank you in advance here is a timeline of events XX/XX/XXXX17 I mailed experian 1st dispute letter via certified mail with return receipt which included my I.D . XX/XX/XXXX17 I faxed over a 2nd dispute letter to experian and also used their website to upload my dispute onto their website along with my I.D .
XX/XX/XXXX17 Finally received my 1st. letter from experian asking for a copy of my i.d.?? after they have already received it from me twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have multiple to verify and confirm accounts within my credit report and nothing has been confirmed as the bureaus can not confirm whom they have spoken with that verified the debt.

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 2021-11-16
Company: WELLS FARGO & COMPANY
State: NC
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've checked my consumer report and it's been brung to my attention that I have been swindled by your company. I've put in a dispute for your company and the investigation results came back deleted on my XXXX XXXX XXXX account, however it's still reporting on my XXXX profile. The name that is reporting is not me, I have enclosed documentation to support my statement. I suspect that my identity may possibly be stolen and that a crime has been committed by your corporation. This company has been reporting false information to these reporting agencies.

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 2021-11-17
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with  XXXX  for  XXXX . In  XXXX  we were approved for a HELOC with  XXXX  for approximately  XXXX . In  XXXX  I became unemployed. I was out of work for 3 years. We reached out to   XXXX   many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to   XXXX   many times for help they were unable to assist us.   XXXX   sold our mortgage to Seterus inc in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years.   We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home.

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 2023-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MORTGAGE PAYMENT FOR XX/XX/2022 In XX/XX/2022 I purchased 3- XXXX XXXX Money orders TOTAL of {$2100.00} in the denomination of {$1000.00} + {$1000.00} + {$150.00}. The 3-Money orders were addressed to CITIZENS ( as instructed by my mortgate company ) and mailed it via XXXX XXXX XXXX XXXX to the address : CITIZENS, XXXX XXXX XXXX, XXXX RI XXXX My letter was INTERCEPTED by someone. The 3-Money orders were ALTERED and CASHED by somebody named " CITIZENS of XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX for proof of payment of the 3-money orders. I paid XXXX XXXX XXXX XXXX fees in order to get the front and back of the money orders showing who cashed the money orders. I have the copies in my possession now COLLECTION AGENCY CALLS/TEXTS/LETTERS Citizens Mortgage company continue to accuse me of NOT being current in my mortgage payments. On monthly basis I am being charged LATE PAYMENT fees even though I continue to make monthly mortgage payment. I have sent CERTIFIED LETTERS to CITIZENS CEO and another Office Manager to investigate this matter. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mother,   XXXX   XXXX  , who was diagnosed with   XXXX   2 years prior to the origination of the FHA reverse mortgage. I struggled after finding out with the service, Financial Freedom. They have been horrible to deal with.
<P/>
Its been a year now since her death and Financial Freedom is still at foreclosing.
The house is in horrible condition. Financial Freedom arranged an appraisal that is per current sales. My mother 's house has not been repaired for 20 years now.
<P/>
I received notification from the servicer that they will not postpone the foreclosure. Financial Freedom even set the price on a short sale.
A short sale package was submitted to Financial Freedom over a month ago. How can they set the price on a home??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a reduction in income I had to file bankruptcy to maintain ownership of my home. I dismissed my bankruptcy and I 've submitted several request for modifications and  XXXX    XXXX   has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.  XXXX   XXXX  has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX . Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to be given  a 30 n otice prior to the property foreclosure sale.  XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help 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