BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: PA
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:
Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/2021 Equifax - 1st Letter XX/XX/2021 - 2nd Letter XX/XX/2021 - 3rd Letter XX/XX/2021 - 4th Letter XX/XX/2021 It is over XXXX i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This company doesnt want to work with ous they are laying we told them that we are trying to refinance the mortgage and they gave me a letter till the XX/XX/2021 and they lied because the mortgage company that we are trying to refinance with they said that they filled a prefourclosure .I even head a attorney try to do a modification with them they will not do it they put ous to XXXX and we lost my mother because off them please help ous I am filling a attorney general complaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: VA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: GA
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:
I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I received a notification that " Syncb/sams had requested my Transunion credit report. Apparently, this was a Sam 's Club credit card, I am not even a member at Sam 's Club so I wouldn't even have a reason to apply for their credit card. I called their customer  service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called XXXX  for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due on XX/XX/XXXX. Days prior I used the online payment system and selected the " pay minimum payment '' option which was auto set at {$29.00}. I paid it and the money was taken form my account and posted to my card on XX/XX/XXXX. I then get a notice today XX/XX/XXXX that I am past due {$1.00} and have been charged a {$29.00} late fee. 

I called the company, capital one, to settle the discrepancy. I explained to them that I chose the minimum payment option which was set by capital one to be {$29.00}. They informed me that it was actually {$30.00}, that I owed {$1.00} and they could not wave the late fee of {$29.00}. 

I paid the minimum payment which was reflected to be {$29.00} on time. Capital one refuses to lift the late fee and says I still owe them {$1.00}. The {$1.00} is not the problem. The problem is that their system reflected a {$29.00} minimum payment which I paid, on time. So a {$29.00} payment is not costing me an additional {$30.00}. That is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: CT
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-01-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I the undersigned, a financial and marketing professional was desperately seeking a job since XX/XX/XXXX, after being laid off. I was interviewed and accepted for the job and agreed to sign a contract. On XXXX XXXX XXXX. I received a check by FedEx mail, track # no XXXX from a certain XXXX XXXX who claims to be a Business Executive Manager who interviewed me to be his Assistant and work for him full time. 
As instructed by the new employer I deposited it into my checking account. 
I realized suddenly, It must be a scam and reported to my Bank the following day on XXXX, XXXX, XXXX. It was turned to be a scam. I called also my SunTrust Bank informed the whole story the check was put on hold. I haven't touched the disputed check amount which is on held. The SunTrust Bank, send me a letter on the hold on XXXX XXXX, XXXX the XXXX XXXX when I attempt to withdrew money from My Direct deposit from Social Security and part time payroll check, my account is inactive. Since then I am trying to reach the Bank no one answers a call after a XXXX hold. I sent email messages, no reply at all. I could not pay my bills and have no money to spend for my food, gas and daily expenditures. I want the SunTrust Bank to to resolve the issue, before I open a law suite against for all damages and hardships that I am encounter. I need the 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them to stop calling the very first time they called me at work. Now they ( I can tell it is the same voice ) are calling me from a restricted number. I did not even know anything about the account they are claiming is mine. It would not let me download an audio file. Please watch the videos on XXXX of the images I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MA
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/2021 my XXXX bill was paid off. 
I got a letter from XXXX saying the balance was paid in full and they would report this to all credit reporting bureaus, but on XX/XX/XXXX of 2021 XXXX had supposedly reported to equifax that it was still a bad debt and was not paid according to equifax and because of this my score went down another XXXX points. I then called XXXX customer service that day and they said they would take care of it. I checked my score on XX/XX/XXXX and equifax was now reporting that balance had decreased and was paid in full but under derogatory remarks it was still reading as charge off/bad debt. I called equifax to dispute this and asked how something can be paid in full but be charged off as a bad debt and read a XXXX balance.They continued to blame this on XXXX reporting but my other XXXX credit reports have it reported correctly with no problems. I called again on XX/XX/XXXX because my score continued to drop another XXXX points because of this same issue and the only changes on my report were both positive. The XXXX derogatory remark was now removed but when I called equifax they are claiming although it was removed it is still being reported as a charge off bad debt. XXXX is denying this but equifax is insisting its XXXX  doing the bad reporting. I even sent a copy of the letter that it was paid in full to equifax on multiple occasions but they still refuse to fix the mistake and they continue to lower my score. Equifax even talked me into recently joining their credit repair/monitoring service and I just gave in and joined in hopes that if Im a paying customer maybe they will fix their mistakes but so far this has been to no avail. 
I have XXXX derogatory remarks a 100 % payment history and nothing bad on my report and my score should reflect that. Ive been so frustrated and I feel helpless that not only have they done nothing to help but everything has gotten worse. The people that own the house Ive been renting sold the house and Ive been unable to secure a new place because of equifax. I have done everything in my power that I am supposed to do to improve the situation and so far it has backfired on me! My score now is worse than when I owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been making payments on my debt to the original creditor, which have been accepted and withdrawn from my bank account. I have told this creditor several times through phone calls and disputed this in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MD
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:
Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions 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:
Fraudulent and duplicate student loans on my credit report. Experian failed to investigate or consider my personal statement. Problem has not be rectified.

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 2020-04-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinaned a mortgage I had with PHH Mortgage. I was approved by XXXX XX/XX/20 and all the paperwork went through and was finalized the following week. PHH was to return escrow to me of {$1600.00}. As of today, I have not received it. 
After realizing around the end of XXXX that the refund might come in both mine and my deceased husband 's names, I call PHH as what to do. I was instructed to send them a copy of the death certificate and that if the check goes out in both names a stop payment will be made and a new one issued. Should take about 20 business days. 
I received check dated XX/XX/20 in both names. So, I waited a couple weeks and nothing. I called PHH back on XX/XX/20 to see what's the hold up and was told they have the copy of death certificate and she would put in for new check. Still no check on XX/XX/20, so I called again rather irate and was transferred to an aescalation manager. I was then instructed to fax a copy of the XX/XX/20 check and that is the policy. Why wasn't I told this back in XXXX? I don't have access to a fax machine, so they said I could scan it. 
From then up until Thursday last week I've been receiving so called " updates '' that the check has been approved and being mailed to me. 
I checked Informed Delivery on USPS website and as of this email, no check. 
I feel they're keeping my money as long as they can get away with. There must be laws as to when escrow money has to be returned. Also, after 3 months shouldn't they be paying me interest on my money. 
Please advise. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to early warning from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX bank and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false

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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

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 2022-05-02
Company: Celsius US Holding LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have reported a cryptocurrency fraud to Celsius Network of which the scammed proceeds has been transferred into its platform. The case number assigned by Celsius was XXXX. 

However I have not heard back a single message from them since late XXXX despite my follow-up on the update of the investigation. Instead, my very own Celsius Network account was suspended. There was not any explanation either.

Celsius Network is registered as a XXXX XXXX XXXX ( XXXX ) with number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: NE
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 placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do n't know why you refuse to help people. Seems to me you make lots of false claims and do litte to actually help recify the growning racketeering that has arisin again. I had XXXX loans initially with XXXX firm that was allegedly purchased by a huge firm, but NO one can provide an fact regarding a RESPA Request. 
They ca n't do this, although they have tried with XXXX different lawfirms that try to intimidate people but are very carful on the working in their letters. What is really sad but very important and revealing is the fact that these law firms have had their problems with foreclosure litigation against them. 
These " pretend '' servicers-lenders are very very ticky and know how to create smoke and mirrors as well as being great at deceiving people with their mailings. Most have " paper mills '' that put out the fabricated, forged, phony, and even " robo-signed '' signatures and notaries!! Even many local trustee/recordrs are way to sloppy in not asking for proof before recordings. 
My most recent encounter is with a very nasty lender I have been fighting for five ( 5 ) years on XXXX loans and this company has well over 40,000 complaints logged against it through CFPB- so there is really something wrong here when you send a person like me a letter and say the " other party responded '' and we have closed the case based upon the mere lender 's reply and response with some of the phony documents attached. 
I have undisputed proof on all XXXX loans that they no longer existed after the first company was bought out. There is also a recent ruling against racketeering here in Colorado in the XXXX Circuit Court Ruling in XXXX et al. v. XXXX XXXX and Bank of America issued on XX/XX/2016 and the CFPB even ignores this and thousands of cases against this company which shows just how corrupt our system is and the fact that our very own government is in on all this racketeering. Otherewise they would be taking positive action to issue a nationwide moratorium on foreclosure so things do n't get out of hand again like in the past. 
I hope the new administration finally disbands the useless, dysfuntional, and questionable CFPB and many others. It is truly time for change in my humble 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 explanation