BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A credit card was placed for collections with XXXX XXXX XXXX. The matter was set for a hearing in XXXX County Circuit Court ( Case # XXXX ). Prior to the hearing, I contacted XXXX and we reached a settlement in the amount of {$750.00}. Two payments were to be deducted from my account on XXXX XXXX and XXXX XXXX, 2016. XXXX agreed to dismiss the case pursuant to the settlement. The payments were made and the case was not dismissed. I filed a motion to vacate the judgment. I also contacted XXXX and was advised that the attorney handling the case had made notations in the file that the case had been settled. My credit score has dropped with all three bureaus because the public record of a judgment has been reported. I also moved and now will have to travel 2 1/2 hours for a hearing that is unnecessary. I have fulfilled my end of the settlement terms and XXXX has breached the settlement agreement to my detriment. I am pretty sure that I was denied an apartment w/o a co-signer as well as may have my pending refinance application for my vehicle denied because of the erroneous reporting of the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Penn Credit Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX Received a letter from Penn Credit Corporation stating I owe a debt which is a violation pursuant to 15 USC 1692b ( 2 ) that states any debt collector shall not state that such consumer owes any debt. I also did not consent to my information being stolen or sold to any alleged debt collector.Pursuant to 15 USC 1692c ( a ) ( 1 ) i gave no consent to Penn Credit Corporation to contact me at anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITY NATIONAL BANK
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, Regarding : My mortgage payments for XXXX & XXXX have been sent & paid on time to both Servicers. Servicers have yet posted the amounts to my mortgage. 
I would like to file a complaint against the following servicers ; XXXX XXXX XXXX XXXX XXXX loan # XXXX and City National Bank. Please conduct full investigation. Servicers have not investigated or conducted a solution to my lost payments. They have yet resolved the issue or have contacted me to explain the next steps that they plan to take to locate the lost mortgage payments. I review each mortgage statement that they mailed and continue to see late fees added to my mortgage. There should be no late fees and my mortgage payments should be noted on my account as paid on time. 
I have mailed my mortgage payments on time. I have yet heard or seen any results regarding my lost payments. I have proof that both my mortgage payments been cashed and cleared by the servicers. 
Please see the attachments that I have provided for further review. 
If you have further questions or need additional documentation, I can be reached at XXXX. 
Sincerely, XXXX XXXX XXXX *Copies of all emails, phone call records, bank statements and loan statements relevant to the incident are attached.

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 2015-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've filed multiple disputes stating I was not at the bankruptcy office when this was filed in my name. Equifax has ignored this request multiple times. XXXX XXXX and XXXX have both verified that the items were indeed fraud and removed them from my credit file. Equifax continues to state they are mine based on " verified '' information. Which is information that has been stolen therefore ; Equifax is only matching my information to another database. As of last week, Equifax has now changed the dates for the date the bankruptcy was filed ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and the date that it was discharged ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. ) THIS IS ILLEGAL!!!! Equifax is purposely changing the dates because as I stated in my Civil Suit against them, I can prove that I was at the airport at the time that it was filed. THIS BANKRUPTCY NEEDS TO BE DELETED TODAY! My attorney has been made aware of this new fraudulent practice by Equifax and we will act accordingly. I know my rights under the FCRA and I will be pursuing them against Equifax to the fullest extent of the law. 

I have attached the information that they are changing. 

DELETE THESE ITEMS FROM MY CREDIT REPORT. THEY ARE NOT MINE. I DID NOT OPEN THEM NOR DID I AUTHORIZE ANYONE ELSE TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: LEXISNEXIS
State: TX
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: Problem getting your free annual credit report

Complaint:
We have been trying to get a credit report from LexisNexis, we have requested 4 different times. Our house insurance XXXX  XXXX XXXX uses LexisNexis and they keep sending back they have no information on my husband but have not sent anything on me. The letter we received from XXXX XXXXXXXX XXXX reads that a list of factors ( derived from your credit history ) that had the most impact in reducing our score. The 2nd item listed is # of AUTO FINANCE ACCOUNTS ESTABLISHED REDUCING. We requested our credit reports from all three Credit Bureau and they only show one auto loan and that was paid off inXX/XX/2014. We would like for them to send the report that they sent XXXX  XXXX XXXX so we can see what other auto loans they are seeing. This report has cost us more in house insurance. 
Mailed off a request on XXXX XX/XX/XXXXXX/XX/2021 Sent a certified Letter on XXXX XXXX XX/XX/ Sent E-mail on XXXX XXXXXX/XX/XXXXXX/XX/2021Sending a request by their system XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently went into Bank of America 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Bank of America account. Called customer service and they said that all claims checks were a third party check and Bank of America would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.

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 2015-07-22
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I entered into a legally binding Modification Agreement with Seterus Inc., the servicer of my mortgage. On XX/XX/XXXX I was told by Seterus Inc. that I did not make the three trial payments required before accepting the Modification Agreement, although I had made each payment on time. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX reiterating that I did not complete the trial payment period, therefore, the Modification Agreement had been revoked. I immediately sent proof of each payment ( 3 ), including the first Modification Agreement installment XXXX 4th payment ) for the month of XX/XX/XXXX. I made the first payment of the new agreement in hopes of Seterus Inc. quickly realizing their mistake, making the necessary adjustments to the new loan amount and sending a new Modification Agreement. I sent the second Modification Agreement payment in XX/XX/XXXX only to have the payment return for reason stated, " Failure to sign and return the Modification Agreement ''. Again, I received notice on XX/XX/XXXX that the Modification Agreement had been revoked for failing the trial period. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX apologizing for the false claim ( letter of XX/XX/XXXX ) that I had failed the trial period. XXXX XXXX acknowledged the three trial period payments being received but did not recognize the payment made in XX/XX/XXXX as the first installment of the new loan agreement. XXXX XXXX began requesting the now revoked Modification Agreement to be signed and sent with payments beginning with XX/XX/XXXX. Since then, I have requested from Seterus Inc. XXXX XXXX XXXX XXXX on numerous occasions, an updated Modification Agreement acknowledging the first installment being paid in XX/XX/XXXX. Seterus Inc. has refused to send a revised Modification Agreement, continuing to request the signed Modification Agreement issued back in XX/XX/XXXX, and payments beginning with XX/XX/XXXX. I finally, signed and returned the now seven month old, revoked Modification Agreement and again requested confirmation of payments due, stating, again, that I have already made the first installment due XX/XX/XXXX. On XX/XX/XXXX Seterus Inc. XXXX XXXX XXXX XXXX acknowledged receiving the signed Modification Agreement but continues to demand the XX/XX/XXXX payment of which was received and deposited by Seterus Inc. on XX/XX/XXXX I believe this to be a deliberate attempt to prolong the service fees Seterus Inc. collects for servicing a loan threatened with foreclosure. It is beyond comprehension that, at this point, this is an oversight or miscommunication of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
After being XXXX from XXXX XXXX status as a XXXX XXXX XXXX my credit card company, Chase Bank Card Services decrease my credit limits and increase my APR rate with out notification. After contacting Chase JP Morgan bank, they claimed they received late payments. I advise them, I never paid my account late, and I was recently released from XXXX XXXX and was not given proper notice of any change in the card agreement or notice of changes in payments or new interest rate. My understanding SCRA trigger certain requirements under the Truth in Lending Act and Reg Z. Generally, a credit card company may only increase the interest rate and any fees or charges to the same amount that applied before the start of XXXX XXXX ; a 45-day advance notice of change in terms must be provided after a member is no longer on XXXX XXXX before the credit card company can increase the annual percentage rate to the contract rate, or increase any fees or other charges that were reduced or eliminated. This adverse action caused an adverse affect on my FICO score and made it difficulty for me in seeking future gainful employment, and has caused challenging experience refinancing my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I changed my name more than a year ago. The other day I noticed my credit score was declining when I checked it on my XXXX account. I tried to get a free report with my new name from the XXXX website but i was not successful. I requested a credit report via mail more than three weeks ago by submitting all the required information but I have not received anything yet. I have tried to contact them multiple time but i have not been successful yet. What am I supposed to do if there is no a physical building or a person I can talk to directly? 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My second mortgage or " HELOC '' matured 2 years ago since I filed bankruptcy 7 years ago and had not received any statements from them since that time I was unaware of it being close to maturity since that time I have filled out paperwork with them at least 5 times each time they say something is missing and I send that and no response. When I call back I am told the paperwork is too old and needs to be resubmitted. They have sent my home for foreclosure. Since I have a lot of equity in my home I feel they are doing something called " Dual Tracking '' which I understand is illegal in California

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 2016-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husbands name was on my house 's mortgage. He passed away XXXX 2012. Since then I have paid the mortgage and have received a XXXX form for income tax filing. This year, Chase has decided that they do not need to send me this form and report the interest I have paid. I have paid the interest from my personal checking account and my name was on the deed even before my husband 's passing ( done at the time of purchase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There 's a  XXXX  name showing up on my credit report  XXXX   XXXX   XXXX  that is not my name, I have never used an alias name I always use my name which is  XXXX   XXXX   XXXX  I have no other name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EQUIFAX CONTINUES TO REPORT A PUBLIC RECORD THAT BELONGS TO A FAMILY MEMBER ON MY CREDIT REPORT. THEY WILL NOT FURNISH ME WITH THE SOURCE OR HOW THEY ARE VALIDATING THIS PUBLIC RECORD..RECENT CLASS ACTION SUIT ( XXXX XXXX VS. EQUIFAX ) SHOWS THEY ARE INCORRECTLY VALIDATING PUBLIC RECORDS ON CONSUMERS CREDIT REPORTS.THIS IS REALLY HURTING MY REPORT. XXXX AND XXXX HAVE BOTH REMOVED THIS PUBLIC RECORD. I DEMAND THAT EQUIFAX REMOVE THIS PUBLIC RECORD FROM MY REPORT IMMEDIATELY AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon being notified by my cell provider that there were several erroneous items on my credit report, I contacted all XXXX of the major credit bureaus to correct the errors. Of the several errors on my report, XXXX was a XXXX Bank credit card account that was sold to XXXX XXXX. Through the CFPB 's assistance, XXXX removed the account from all XXXX bureaus. Since they were alerted the account was not mine in the XXXX place,, XXXX XXXX and XXXX removed the XXXX account from my credit history. 
Equifax however after being advised repeatedly by certified mail and through their website have ignored my demand to remove the XXXX account from my record ; claiming that they have verified the account to be mine ; which is a falsehood. I maintain that this was never my account. I have been disputing this for more than XXXX months now and am now demanding proof of this debt from XXXX Bank as I know it does not exist. Short of legal action against Equifax, I do n't know how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After my discharged bankruptcy a open collection from XXXX XXXX was showing on my credit report that was included in my bankruptcy. I notified both XXXX and Equifax and filed disputes. XXXX quickly removed this from my report. Equifax after the dispute it was still showing as an open account. I filed a second dispute at that point it was removed. I checked my credit report just recently and it is back on my credit as an open collection. I contacted XXXX XXXX they told me they have not added it back to my credit. I am so frustrated, I 've worked very hard to regain my credit. It 's either Equifax or XXXX XXXX, I no longer owe this and want it removed from my credit report for good! I had no problem with XXXX they took care of this right away. I would love to sue whoever is responsible for all the aggravation and they have made my credit drop XXXX from XXXX to XXXX. Please help me get this taken care of once and for all! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I saw an article that said, " apply now by phone '' for a XXXX " XXXX XXXX ''. I spoke to a XXXX Representative '' and gave her all the information she required to apply for a new XXXX XXXX XXXX. After a short period of time, she stated that she could not approve my request at this time. She should they would review my apllication and send me a written response. After about two weeks, I received the written response. It stated that my request for a new XXXX XXXX XXXX was denied. The written response stated that I was denied for XXXX reasons, based on information provided to them by TRANS UNION, a credit reporting agency. All of the reasons were not true for my personal credit information. TRANS UNION stated the following : ( 1 ) - '' High number of credit cards recently opened ''. This was totally not true., I have only XXXX credit cards, both of which are not new and have never had a late payment. ( 2 ) - " High utilization on XXXX or more retail/store accounts ''. I do not nor have I ever had a retail/store account. Other statements they used were also totally false. I was told by the representative, for the XXXX XXXX XXXX, that TRANS UNION was their primary source for my XXXX XXXX XXXX request denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my TD checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. 
I reported this to TD Bank when I was paroled, and in XXXX 2014 I contacted TD to obtain a copy of this check I never gave XXXX permission to do this. 
TD refuses to prosecute XXXX and return the money, there response was " I had 30 days to make an inquiry or lose it '' TD was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. 
So I 'm out of the money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TransUnion Customer Service, My father died on XXXX XXXX and his body was n't found until XXXX XXXX. This is put an emotional and financial strain on our family and we need requested expedited to pursue our legal intentions. On my mother 's behalf ( XXXX XXXX is cc'ed above ), I respectfully request an expedited copy of my deceased father 's TransUnion Credit report . We are requesting that an electronic PDF copy is sent to everyone cc'ed in this email immediately. I look forward to hearing from you. Your response is greatly appreciated. 

Very respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX '

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 2016-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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