BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan payment ( Origination XX/XX/XXXX ) was not disclosed properly from the beginning. One of the two taxes that are paid out of escrow were missed ( the City tax was omitted and not disclosed until after the purchase of the home was complete and payments were being made, only the County tax was disclosed. ) The issue is that we purchased the home at our maximum payment ability and after the disclosure of our payment, we decided to agree to the debt ( based on that payment ) and pursued our new home ownership. 

Shortly after moving in we learned our payment would need to go up. This was an extreme hardship on us as we are at our payment limit. Every year, our payment is going up XXXX just received notice from lending institution that my payment is going up again! The letter from said institution is dated XX/XX/XXXX - Effective XX/XX/XXXX XXXX I called " customer service '' as indicated on the " Annual Escrow Account Disclosure Statement and New Mortgage Payment Notification '' letter dated XX/XX/XXXX. 

I called the number and spoke to the Institution 's representative named " XXXX '' around the XXXX of XXXX. She explained the " Escrow '' balance falls below their minimal threshold in XXXX & XXXX therefore my payment would go up to avoid the Escrow shortfall. I asked once the payment goes up again for the 3rd time would this settle the matter and she responded we will likely go through this again this same time next year. I explained our hardship and the mental fatigue of not knowing what our payment will be She said she " would look into the matter and get back with me ''. As of today, XX/XX/XXXX there has been no follow up from anyone. 

Here is my complaint ; We made a life decision to sign a promissory note, a 30 year commitment, based on supposed factual information and a " static and fixed '' loan payment. This is not the case, further, the Institution is charging me interest on this Escrow shortfall which is UNFAIR to me the consumer. The institution did offer me a temporary remedy for this year by demanding I pay {$1600.00} in the next 30 days or my payment will go up. Did the institution not see this coming months ago, indeed, from the inception of the loan so as to give a consumer some time to fund the Escrow shortage AND still make the normal monthly payment? I need this matter resolved.

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 2016-02-01
Company: AFNI INC.
State: OH
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:
Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My dad died XXXX/XXXX/2015 while in bankruptcy proceeding. 
The Seterus/XXXX of his loan and their attorneys were on notice since XX/XX/2015 and still after many requests for an assumption document to assume my dad 's property as his heir they refuse to provide me any documents they never even contact me to assume his loan a requirement by this agency but they care less about any CFPB new rules not even the federal law mandatory to do what Im saying here To them you guys are nothing no matter you the law. Obviously this agency a fake so the people think they do live in the land called free when is not they have put my/dad house for sale 4 times and 4 times say we will agree for you to assume the loan but never they do sent me anything. The house sale date is the XXXX XXXX, this tuesday and obviously when this get any attention is to late Further, they email me saying they will advise the judge to again stay the sale hearing was XX/XX/XXXX 3 days ago and they didnt say that to the judge nothing they said I got email conversion they saying that the attorney assigned to the case is on notice to input that information to the judge They liars and they think this is not serious what they doing to me and my dead dad my dad will rest in peace while they will have no peace in my dads foreclosure XXXX XXXX XXXX XXXX. Case XXXX XXXX Property XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls over 10 to 15 times a day using a false caller ID name every time. One time it will be XXXX XXXX XXXX XXXX XXXX the next time it will say XXXX XXXX XXXX or XXXX XXXX. When you pick up its a recording or a agent threating you with jail or a lawsuit if you dont pay immediately during this call. They dont tell you what the debt is for they just demand payment. If you call the number back no one answers. The number they called from on XX/XX/2021 came in as XXXX XXXX XXXX again and the phone number is XXXX from XXXX, Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my hard credit inquiries as I am currently refinancing my home. Discovered a hard inquiry with Citizens Bank on XX/XX/2021 which I did not authorize. This is the same week I experienced fraudulent activity with my debt card which I reported to my current bank XXXX XXXX. This activity with my debt card has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2016-04-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company is requesting payment for accounts that I do not owe on. {$500.00} from CREDIT MANAGEMENT.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$59.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX XXXX in their respective state and both of these companies if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, XXXX with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
How you doing today, I submitted a dispute by mail to on XX/XX/21 i still havent recieved my dispute results or any progress been made. It has been past 30 days and i want this account that is not correct off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Back in 2019 I went to the hospital bc of my XXXX  hurting and I gave XXXX XXXX my Insurance info I was working for XXXX XXXX  then and advised that it wasn't a car accident and they never billed my insurance and billed for auto and never stated it was. And I am not paying for a bill that I provided you my insurance for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX XXXX my account was accessed ( not by me ) and my report was run. I asked equifax to provide the IP address that was used to access my account. I called and made this request in XXXX XXXX. I was told to call back every couple of weeks to check status. On XXXX XXXX I called and was told that the company found no fraud and that an IP address could not be provided without a subpoena. I asked for this in writing and was refused. I fail to understand how or why an IP address for a log into my secured account requires a costly subpoena. Terrible service. Additionally, agent hung up because I told him the service XXXX. Also, if you call and follow prompts to close your paid service you are locked out to a fast busy from the VRU. I asked the agent named XXXX for the name of the regulatory body that I would contact to file w complaint. He gave me the XXXX information. I informed him that they were a consumer advocate but not a regulator and he told me that is all he could provide. Misinformation and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As we know identity theft is a number XXXX priority. None the less, when information is not accurate it is against our rights as consumers. I have already taken the liberty to try and resolve matters directly with the furnishers. A couple of results were successful yet the CRA continues to leave this on my file. There are more than XXXX matter that needs to be addressed here. XXXX XXXX being XXXX XXXX. XXXX is a medical bill that is there and the state of MARYLAND pays all medical bills per Medicaid. They want render their own determination based off other inaccuracies using a system that is not accurate. I have hard evidence. Thank you. A copy of FTC affidavit with Police report has already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: PNC Bank N.A.
State: NJ
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 originally entered into a FHA loan with PNC Bank along with my son for a mortgage but there were financial problems so a loan modification was granted by PNC. I chose not to participate in the loan modification with PNC Bank but my son entered into an agreement for a loan modification with PNC alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from PNC as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The CARES act allows borrowers not to pay fed student loans until XXXX. For those on PSLF, this period still counts as a qualified payment under the legislation. Despite this, fed loans continues to send emails about hardship forbearance indicating that taking a forbearance makes a person ineligible for PSLF during this period. This is deceptive and contrary to the law just passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Equifax has " added '' a name I have not used in 20 years-XXXX-says it 's a new name replacing " XXXX XXXX, which I always use or if needed my legal name XXXX XXXX as on my XXXX card, no middle initial used. 
2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only XXXX dealers authorized recently : XXXX and XXXX. NO OTHERS!!! 
3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to XXXX from XXXX. 
4th : Car loan with XXXX. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way off, it should " only '' be about XXXX and that was total profit. XXXX received XXXX for a XXXX dollar car in XXXX years time. Plus the loan was in XX/XX/XXXX. Should this still be on my credit report? 
4th : Lastly, there are tons of unpaid medical bills. This should not show on my report due to privacy laws. Plus, many bills are just repeats. Some should have been paid by XXXX. All bills from XXXX XXXX, XX/XX/XXXX, were paid or cleared by the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: Experian Information Solutions 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:
Experian reported two collections on my credit report that does not belong to me. I have reached out to experian numerous times. The problem still have not been fixed. They were removed and replaced back on my report. XXXX XXXX XXXX for {$620.00} and XXXX, XXXX for {$1200.00}. I don't have any knowledge of these accounts. They do not belong to me. Experian  is aware I was part of their fraud breach that occurred. This has been significant financial burden on me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Experian Information Solutions Inc.
State: MA
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 tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with XXXX XXXX. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to Experian for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.

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 2020-03-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to work with the Credit companies to get this remove and its been over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi I have written Equifax 4 times about a Incorrect name on my credit report The have listed XXXX XXXX XXXX XXXX XXXX That is Crazy I am a victim of Financial fraud and Identity theft / PLEASE REMOVE " XXXX '' from my credit file. I never had that last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My last name was changed by Equifax. I do n't know how this happened. 

I 'm again attaching a copy of my driver 's license and additional proof. My last name is XXXX. 

They state XXXX changed my last name. How is this possible? This would be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sequim Asset Solutions is trying to collect on a debt that is not owed, and removed with the original Creditor XXXX 
I received written communication from XXXX that confirms it was erroneous sent information to SEQUIM and they are illegally trying to collect on a debt NOT OWED. 
It is still reporting on my credit report as a collection and needs to be removed Immediately. In addition they are reporting the account was opened in XX/XX/2020, which is also incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: GOLDMAN SACHS BANK USA
State: AL
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: Problem with personal statement of dispute

Complaint:
Applied for Apple Pay unfreeze my XXXX  credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and apple credit card application can not verify my identity but will place inquiries on my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I previously submitted a complaint, which is unresolved, regarding several watch warranties purchased over a year ago. The watches were all recently sold and no longer in my possession, some kind of refund should be issued. I have receipts for all four warranties purchased and refund policy pertaining to warranties is not listed anywhere nor was it disclosed at time of purchase, contrary to what Zales and Citibank claim. Their thirty day return policy pertains to store merchandise, not extended warranties such as these. I have an email from Zales stating to take receipts to local Zales store for full refund and also spoke with a rep named XXXX who also stated the same and even called the store to advise them to issue full refunds. He spoke with XXXX, store manager who got approval from district manager. The case number for this incident is XXXX, the total paid for all four warranties is XXXX. A XXXX dollar gift card was offered by XXXX XXXX in executive office, however, this does not even remedy matter as it is a portion of what was paid. The store was unable to issue refunds as their system is new and would not allow it, their POS ( point of sale ) computer is new and the transactions are over a year old. XXXX referred the case back to XXXX XXXX and left notes to issue a refund in form of a check because system would not allow credit back to credit card. Please advise Zales/Citibank I need a check in the amount of XXXX to resolve this. Complaints have been filed with Texas Attorney General, XXXX XXXX as well as Connecticut Attorney General. I have also forwarded information to Attorney XXXX, a class action attorney for possible suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation