BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries

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 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
XX/XX/2015 called XXXX Trans Union to place Credit Freeze on my credit report. I was told it would cost $ 10- so I said I would give her my CC # and she said there was a {$1.00} fee to use the credit card. That was all she disclosed. I gave her my CC # and was told a credit freeze was in place until I removed it. XXXX XXXX, 2015 there is a {$17.00} charge on my CC # from Trans Union for I do not know what. I called them and was told I agreed to some sort of credit protection-I assured her I had not and she said I did that it is clearly stated on the web page-I told her I had called to place the freeze and she kept on about a contract. I have been a XXXX for over XXXX yrs ... ..I know full well and good when I have gotten involved with a contract and there is no contract. I told her I want my {$17.00} back and the account closed and she started to tell me some of the features. I already have fraud protection elsewhere-to cancel and refund or I would escalate this situation. Only then did she say she would close it but it was already paid for so no refund. I explained I would dispute with my bank. This is a credit reporting agency ... ... ... conducting fraud. I know the difference, I have seen it XXXX of times. Something needs to be done - this is inconceivable, who are we supposed to trust? This is a public violation of trust and has to be in violation of credit regulations. Please confirm this account is closed and this does not happen to anyone else. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: CA
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:
Every year, I consistently have issues receiving a free copy of my Equifax report online. Furthermore, I have issues submitting disputes online ... this problem is ongoing and consistent and I have noted that it is not exclusive to me. Everyone I know has the same problems ... their website is always down. I would like to see CFPB crack down on this lingering issue. It should not be difficult for a consumer to access their own report, and it should be completely FREE and available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a FHA loan at Movement Mortgage on XXXX XXXX, 2016 and was trying to get completed due to lease would be ending verily soon. I have been provided several closing dates and yet have been displaced to a hotel since lease is completed and have encountered over {$4000.00} in hotel room charges during these 3 months and still no decision has been provided to me as of this date. I have had to contact the XXXX Corporate office as well as the main corporate office in XXXX then to be sent to another person in XXXX Was told by Loan Officer no credits of any kind could be provided to me due to this unfortunate situation. Was harassed about the status of my children and had to prove constantly if I have given birth to them and by providing birth certificates and court documents on a almost weekly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: BOK FINANCIAL CORP
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I Applied for a loan and gave the Bank Of Arkansas everything they requested and my pay stubs that showed how many hours I Usually work per pay period XXXX to XXXX bi monthly and was in their office and verbally told them what I make monthly {$1000.00} is the Max I Can make without it affecting my XXXX XXXX so I Could purchase A House I Received A Pre Qualification Letter and A Good Faith estimate shortly after I Gave The Bank everything they wanted everything was fine then the person handling my loan asked me how old I was I Told him it was on my Drivers License he had a Copy of and I Told him Almost XXXX he replied wow you do n't look XXXX years old I Thought you were much younger! This was just at the beginning of this week XXXX/XXXX/2015 then the other day he told me that the XXXX. wanted A fee called A " XXXX months reserves fee '' that the XXXX. wanted not the Bank so I Looked into this and found out that no one else knows what this is and the XXXX. has no such fee! He seemed to get irate.after I asked what the closing costs were but this was on Tuesday XXXX/XXXX/2015 and the closing was suppose to be done on Friday XXXX/XXXX/2015 So I Told him I Needed to know as closing was Friday! He seemed a little upset as I Looked at the contracts so on and could not find any info about the closing costs! IE : From XXXX XXXX XXXX XXXX, If you review your estimated cost summary it shows that it will take around APPROXIMATELY {$1500.00} CASH REQUIRED TO CLOSE. You also need XXXX months reserves which is about {$1700.00}. 

Your debt to income ratio should be about 40 %. Minimum Cash Payments a Month / Monthly Income. 

These are estimates. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In 2003 I purchased the real property known as XXXX XXXX XXXX, XXXX, Maryland XXXX in XXXX County. Thereafter, I entered into a mortgage with XXXX XXXX XXXX XXXX XXXX. The Note was for {$480000.00} and refinanced XXXX outstanding mortgages. I have made the mortgage payments. Last year my loan was transferred to mortgage servicer BSI Financial. I have made attempts to determine my Rate, Payment, and Balance as I feel the loan has not been serviced correctly. When I call BSI I have been told to speak with different persons there who give me different answers. On XXXX XXXX, after being away for a couple days, I came home to my house having been ransacked, and furthermore, my house having been winterized and put under lock and key by my mortgage company 's proxy. I have had no foreclosure action instituted against me, and I have made every effort to comply with the terms of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXXXXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To : CFPB XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : XXXX To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Transunion credit report, which is inaccurate. 

Specifically, the alleged item is for a late payment to a line of credit that was never used. There ca n't be a late payment when you do n't carry a balance. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Transunion report showing the derogatory item. 

Sincerely, 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 2015-11-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Re-AllybankI make auto loan payments to Ally bank in the amount off {$170.00} per month. The payments are due on the XXXX day of each month. I was late in the month of XXXX and schedule the payment on Ally 's website to be made on XXXX XXXX. In the interim, I received a letter from Ally of intention to report my late payments to the credit Bureau re. I called and spoke with a XXXX and then with a XXXX, was a supervisor. 
Despite the fact that we verified my payment scheduled to be deducted from my account on XXXX XXXX, Ally, without authorization deducted the payment from my account on XXXX XXXX. 

I incurred charges because the funds were not then available and, my other chicks were returned and I was charged various fees. I discussed the question of the fees with the bank but they refused reverse the payment and then deducted on the date scheduled, which is XXXX XXXX. They also refused to refund the fees that were charged in connection with early deduction and, in connection with the charges incurred because my other checks were returned as a result of their early withdrawal of funds from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Credit Protection Association, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We signed up with XXXX in XXXX yet had multiple Internet, TV, and phone outages. At first I was told we would be given three months of credit for our troubles. After that did n't happen -- due to XXXX 's shoddy record keeping -- and the outages persisted, I explained to them that since their service was unreliable we had to cancel our account with them and did not want to be held responsible for the early termination fee. The agent that cancelled my service told me this would be taken care of in early XXXX. 

Over the course of the last nearly two months, I have been told by at least SIX different XXXX representatives how sorry they are that the charge has not been removed and how they will eliminate it and it is not our responsibility. Not only have they still not eliminated it -- nor even have any record of my previous calls -- but now I am getting collection notices from Credit Protection Association threatening to report me to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX, 2015 I submitted a {$300.00} payment to Synchrony Bank to bring my balance on a line of credit that they hold for Amazon.Com. Following the payments posting, this bank decreased my original credit line from {$700.00} to {$390.00} which was {$0.00} more than the remaining balance. When I called to find why my account was showing a {$0.00} amount of credit, I was informed that the bank had reduced my credit line not based on my payment history with them but because they had reviewed my credit history and it was based on that. I have had this account open for almost two years and have never been behind on my payments with them. I did not request a increase of the credit line therefore they had no right to run my credit for any reason. I feel this is a bank charging high rates on consumers who feel that they can just do whatever they like doing and that there is no one who can do anything about it. This reduction in credit has a adverse effective on my overall credit score at a time when my wife and I are trying to purchase our first home. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting incorrect information on my credit report. I have disputed this information several times. I was informed that transunion needs 30 days to verify or delete the incorrect information. I keep receiving letters in the mail from transunion stating they need an additional 15 days. According to legal advice if the company does not respond to them the item is to be deleted from my report. I keep disputing the following information that is reporting incorrectly : Teachers Federal credit union acct # XXXX is reporting twice as " Discharged through chapter XXXX bankruptcy '' This totally false and incorrect as I never filed for chapter XXXX bankruptcy. The next item is XXXX ... ..this account was PAID in full 2 years ago ... .I have written letters/contacted XXXX ( which is no longer in business ) so I contacted the collection agency they sent me to. I should have never been put in collection to begin with as this debt was paid in full. ( The collection agency had agreed to remove this debt as it was verified through whom I do no know as I mentioned earlier XXXX is no longer in business ). It has been agreed it will be removed from my report. ( Upon checking my credit report again today it is still reporting ). Capital accounts is the next item that was to be removed off my report. I had contacted capital accounts and it was verified it was to be deleted. This account was deleted from another credit reporting agency but not yet from Transunion. I keep disputing this information and it just remains the same which is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. I am submitting this complaint as I have spent hours and days trying to resolve this. I am also complaining about transunion as to the fact when I call them I am told that my report is being held under another department. ( Fraud dept ) ... ..I get transferred to speak to a human in the fraud dept and all I receive is an answering machine. I 've sent proof to transunion and the mail is returned to me. I am complaining about this credit reporting company as it is getting very fustrating in trying to correct this wrong 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 2021-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Found debt on my credit report ... .realized that account wasn't mind and i needs reporting company to provide physical contract/validation. This debt is causing harm to my life as it pertains to my finances. I need to be provided validation of debt within 30 days ... .or debt needs to be removed. 

XXXX : Portfolio Recovery A Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Portfolio Rc Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Credit Protection Association, L.P.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted an original creditor ( XXXX XXXX ) to pay a debt. The creditor told me the amount owed and I paid it. I was told that my debt was paid in full and I was not responsible for any other amounts. I have record of this conversation and the payment. That creditor then sold some other portion of the debt that I, believing the debt was paid in full, was not informed of and not given the opportunity to pay, to a collection agency. The original creditor acknowledges their representative made a mistake ( according to the supervisor I spoke to, the representative I had talked to misquoted the amount I owed, leaving me with an unpaid balance ) and that I had every reason to believe the debt was paid, but offers no solution other than for me to pay the collection that was unfairly placed on my credit report. I know that simply paying the collection will not remove it from my credit report and it will remain for XXXX years even after payment. I feel there has been some violation of rights here. Can you offer any advice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief