BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
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: Account status incorrect

Complaint:
I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from XXXX and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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 2022-06-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several weeks ago I tried to set up an online ACH transfer of {$3000.00} from my bank, Huntington Bank to my XXXX account and was told they could not do so until I proved that the account I was transferring to was owned by me. I printed the top half of my latest brokerage statement showing my name and account number. They replied that they must have the complete brokerage statement to proceed as it could be " easily manipulated. '' I don't think that is the bank 's business to see my complete brokerage statement. I instead mailed them my XXXX Account Profile information sheet, again showing my name, address and XXXX account number. Now they are ignoring me. 

I don't think this is proper. Please advise. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-12-08
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our loan was sold to PNC Bank in XXXX. In XXXX  we had an escrow overage in excess of {$4000.00}. In XXXX we once again have a year-end escrow balance overage in excess of {$5500.00}. At the time of our closing our county and city taxes were GROSSLY over estimated by out lender. We have owned this home since XX/XX/XXXX and have received our new property taxes calculated after the sale and adjusted for inflation. I was told by the customer service representative that our escrow account was not taking into account our homestead exemption " because we have to renew it annually '' BUT WE DO NOT HAVE TO RENEW OUR HOMESTEAD EXEMPTION ANNUALLY. To make matters worse when we have a {$5500.00} escrow OVERAGE PNC bank has chosen to increase out payments and keep {$2900.00} of our overage because WITHOUT ANY BASIS they believe my property taxes will increase over {$2600.00} next year once again due to the mistake made by the property tax calculation at our closing. EVERY OTHER MORTGAGE LENDER WE HAVE EVER HAD HAS ADJUSTED ESCROW SO IT DOES NOT RESULT IN A MASSIVE EXCESS BALANCE. INSTEAD PNC BANK IS CHOSING TO RAISE MY PAYMENT AND WITHHOLD OUR MONEY TO GIVE THEMSELVES MORE INTEREST-FREE FUNDS. PNC bank will not audit or review this escrow statement and wants me to PAY THEM a fee to close the account because they are GROSSLY overcharging me and withholding MY MONEY. I want either the escrow account payment corrected to a reasonable amount that will not result in a MASSIVE interest-free loan given to PNC bank annually by me and my husband or I want the account closed WITHOUT PENALTY due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX believes that Santander Mortgage violated fair faith and dealing with loan modification and fiduciary duties in their responsibility to accept mortgage payments and to provide loan modification. XXXX XXXX would otherwise have qualifed under the XXXX XXXX XXXX XXXX. Santander would change servicers without proper notice to the homeowner which resulted in funds being paid and held by the wrong servicer. 
These actions took place from 2017 onwards. A judgment for foreclosure was provided.

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 2022-11-28
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector Fein, Such, Kahn & Shepard P.C. is collecting a debt from me for unpaid tuition. For almost a year they have not complied with my requests for an itemized statement of the debt. They have sued me to garnish my paychecks and I still dont have access to the amount I owe. They are charging late fees, interest, and other legal fees but have totally refused to tell me what the interest percentage is or show me a statement of the charges that have incurred since they acquired the debt. I have been compliant and make all of my payments on time and they continued to garnish my wages and charge late fees with no explanation and havent sent me a statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XXXX XXXX American Express XXXX Card Credit Balance : {$24000.00} Account number ending - XXXX Obligor has not received any refunds for credit balances for this account. I have reasonable cause to believe that I have been induced into an adhesion contract with extortionate terms I would never agree to. 

American Express has breached their fiduciary duty by engaging in unlawful extortionate means in a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce. American Express has jeopardized my the consumer credit reputation to coerce payment of this extension of credit and punish me for the nonrepayment thereof. This constitutes unauthorized use of a credit card and violates TILA, FCRA, GLBA, CFPA, FTC Act, The Sherman Antitrust act and The RICO Act. 

I would never knowingly consent to any conditions or provisions that would allow American Express to engage in embezzlement and aggravated identity theft. I disaffirm any alleged agreement or contract, whether implied or explicit, with American Express. 

Any payments made to this account were a result of threat, duress, and coercion due to undue influence. I have never agreed to any of these terms if I knew I had a choice. I have reason to believe, American Express XXXX XXXX XXXX XXXX XXXX 

This account is a billing error. Provide documentary evidence of the obligor 's indebtedness to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in 2018. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem to Equifax Credit Information Services LLC to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Equifax. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Equifax initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. 

The accounts in question are : XXXX XXXX XXXX, XXXX  XXXX. 

Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. 

I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Incident happened XXXX of 2021, the amount was over {$600.00}. My bank was TD and the funds were taken from a XXXX transaction. I received a text message to believing from Td fraud department stating that a transaction is about to made. The fake TD representative calls to verify the transaction I state that its not me. They send me a text for XXXX multiple times until I ask to speak with their supervisor. I then call TD they close my account the next morning I go into an actual TD branch open a new account and file a fraud report. TD representative informs me to file a police report. TD deny the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I gave another try calling to Experian last Tuesday ( XX/XX/2022 ). I call credit bureau every week to follow up and make sure my case being updated. I did not have a pleasant talk/follow up with Experian. I have been transferred for 6 times, to six different department. On the fifth department, this guy still wanted to transfer me to another department, but instead of transferring directly to the department, they are more like general line. So I had to repeat everything again, telling what's the issue and why I were here. That's okay.

Then the 6th agent asked me when were the suitable time to call me back. Everytime, every single time when they could not solve any problem they will come out with this solution. Being said like someone will call me at A.M within 24 hours to 3 days, but none of them from Experian actually called me. And went I next made a call back, the case is " being resolved '' without update. Unfortunately, " being resolved '' is not like the problem is solved, they are more like closing this case without really taking the action. Then I spoke to this guy saying this is not a method to help out, because I have being told to wait for a call since XXXX. Could he actually come out with any other options to solve this? And this guy just hung my call. 

Being imagine, you have being transferred for 6th time, you were on a call for 1.5 hours, and you call multiple times due to transfer back to general line. I have literally sat there just to call for a solution with them for 3 hours a day. It just cant get thing solve.

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 2022-08-22
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2018 Balance $ XXXXLate/Closed Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Office Hours : Monday through Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX EDT, Saturday XXXX to XXXX EDT Our Account # : XXXX Creditor : VIEW AT XXXX Creditor 's Account # : XXXX XXXX telephoned, I explained I have a cancelled check for the move out fees they are attempting to collect. I was told no you dont. I asked for proof of debt, they said they were looking at the proof, I needed to pay it now or it would be placed on my credit bureau. I immediately disputed the debt and asked them to cease communication until I receive proof of debt, by mail. I insisted on only written correspondence. The TSI rep. hung up. I have since received numerous calls and hang ups from their virtual agent when I refused to hold for the next agent. I am now getting email correspondence that I have never consented too. I have contacted the landlord and confirmed I have no balance. I also have the specific canceled check. I am not willing to be bullied by this group of illiterate animals. In reviewing my options against this organization, I have discovered that they have violated my mini XXXX rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: CA
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 am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items completely from my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/2012 XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief