BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: CrossCountry Mortgage LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage with CrossCountry Mortgage ( loan # XXXX ) was refinanced with another lender in XX/XX/XXXX, and the CrossCountry loan was paid in full by our new lender. We received a letter confirming full payment and discharge of the loan. We also received a Full Satisfaction Notice in XX/XX/XXXX, and the cancelled Note & Mortgage in XX/XX/XXXX. 
In XX/XX/XXXX I received a phone call from a CrossCountry representative who advised me that an accounting error in XX/XX/XXXX ( one year previous ) had reduced my mortgage balance by over {$21000.00}, and when could I send them this amount? I found this to be implausible, so I requested a written explanation. No explanation was ever provided, but my wife, daughter and I began receiving mortgage statements and collection letters that month. Between XXXX and XXXX last year, I contacted the company multiple times to no avail or response, as their by-mail collection efforts increased in frequency and intensity. In XXXX they declared a Breach and in XXXX began Foreclosure proceedings. At that point I engaged a law firm who finally stopped the insanity at a cost to me of {$6700.00}. As seniors, my wife and I feel victimized by this lender 's deception and abuse, in clear violation of UDAAP regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Nelnet, 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:
XXXX XXXX XXXX/NELNET - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened US DEPT. OF EDCUATION - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2023-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXXXXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX has not provided documents of late payments which I also requested.

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 2022-10-30
Company: Prosper Marketplace, Inc.
State: PA
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:
According to Federal law 15 U.S. Code 1681s-2 ( 7 ) ( A ) ( i ) ( A ) Notice to consumer required ( i ) In general " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' In XXXX of 2022 PROSPER MARKETPLACE acct XXXX furnished negative information onto my consumer report ( late payment ) with out providing notice in writing. 

If this person claims to have sent me in writing that it had intentions of furnishing said negative information please have them send me a copy of said letter and a wet signature of mines confirming receipt of the writing.

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 2023-05-03
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:
From XXXX until now I have contacted TransUnion informing them in certified letters ( see several attachments ) of inaccurate and incomplete information that they have continued to list on my TransUnion credit report. Despite my letters and information from the original creditor that contradicts them, TransUnion has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : XXXX. This account is still reporting both the Balance and Amount Past Due of {$15000.00} even after it has been discharged by XXXX with the issue of a 1099C ( see attachment ), neither of these items should be on the report, XXXX. This account continues to not post my Notice of Dispute despite my multiple dispute letters challenging this account ( see letter attached ). This is a violation entitling me to at least {$1000.00}, XXXX. This account is missing all the positive Payment History from XX/XX/XXXX to XX/XX/XXXX, XXXX. This account is not reporting the Date of Last Activity and not reporting the Date Closed ( see letter attached ), XXXX. Without those dates, the Drop Off Date is 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 2022-10-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company calling my number XXXX persistently is MIDLAND CREDIT MANAGEMENT. They call me every hour or any day even Sundays. I do not have a debt with anyone. My debt was discharged a long time ago theough bankruptcy. 

They are calling me trying to collect someone else debt through me but calling me instead. They need to stop I do not owe anyone and whatever debt this is they need to find the rightful people and call them instead. 

This number is rightfully registered to only me who owes no debt and they need to STOP calling me or XXXX make further legal charges after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: NY
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:
I paid of a car with XXXX XXXX  in 2019 with a loan from XXXX XXXX. XXXX XXXX  is reporting the payment late. Which is inaccurate. I have reached out to XXXX XXXX  on numerous occasions to get a copy of their records. They told me they have no records of me. So how are you reporting information if you have no records for me. I need help and would like to file a dispute.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX XX/XX/2022 XXXX XXXX  violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.

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 2022-10-31
Company: EQUIFAX, INC.
State: NY
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:
Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: National Credit Systems,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 information incorrect

Complaint:
I did not owe this original creditor any money. I gave notice and left my apartment for medical reasons due to a XXXX. They charged without issuing an itemized bill and the collection agency refuses to work with me reporting this to XXXX. They have a monopoly with contracted Apartment Complexes meant to force tenants to pay exorbitant fees when they leave or ruin their chances of finding suitable housing ever again. Someone needs to investigate the relationship that this collection agency has with these companies as it's oppressive to lower-income working XXXXXXXX XXXX XXXX XXXX refuses to let me dispute this again after disagreeing with the results. I was a recent victim of XXXX XXXX and was displaced. This report keeps me from obtaining safe housing for my family and me. When I disputed, I was further punished by them updating the balance and date of the last activity to prolong the period that this will remain on my credit report against me. This practice needs the end. 

NATIONAL CREDIT SYSTEM Original creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$2100.00} Balance updated XX/XX/2022 Original balance {$2100.00} Account info Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: SC
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 my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.

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 explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: MO
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 Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2019-12-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job XX/XX/XXXX of 22yrs my mortgage was {$1000.00} monthly my mortgage increase to XXXX monthlyXX/XX/XXXX. I called my mortgage company in XX/XX/XXXX to talk about this HUGH INCREASE OF MY MORTGAGE. I was told that there is nonething I can do about the increase after the lost of my job in XX/XX/XXXX I had to paid my monthly mortgage of {$2000.00} and live off of my 401-K I had fallen behind in my mortgage XX/XX/XXXX. I called my mortgage company every month to discuss my finances I had no income coming in I was told I had to be at least 3 months behind before I could apply for a loan modification. I finally was able to apply for a loan modification in XX/XX/XXXX I was denied because of debt to income ratio I was advised to reach out to ( HUD ) non profit organizations I contact XXXX for help and couseling talked about finances got a buget put together they are my Representative for my modification I was turned down again for the exact same reason debt to income ratio the same reason as my first denial by my mortgage company ( PennyMac ) I was mailed out a denial letter before my Representative with XXXX contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, my bank ledger balance showed {$73.00}. One online charge of {$50.00} came in and became, 'Pending ' debit, and Bank after reducing the ledger balance without paying, charged {$37.00} fee for OD. I do not have OD protection. My balance was {$23.00} ( after {$50.00} deduction ) at the time, and when I made a purchase of {$8.00} for food, it created a negative balance due to {$37.00} fee applied. 
Bank uses this accounting method. Whenever a debit or credit card is used at the store, it shows up on bank current activities as " Pending '' and reduces the ledger balance by the amount without making any transfer to third party, and identifies as 'Available Balance. '' If another payment also shows up at the poinXXXX of transaction, then bank uses available balance and ( not the ledger balance ), without paying, and creates a negative balance. Then it slaps OD penalty and reduces the ledger balance further down and then the domino effects begins. 
The {$8.00} charge had enough ledger balance to cover that amount, but {$37.00} fee applied, reduced the balance to a negative amount and after that all fees piled up. My daughter made a deposit transfer via XXXX of {$150.00}. Another deposit of cash XXXX {$350.00}. made on XX/XX/XXXX, also got wiped out, and then my Cable company prematurely, sent a charge of {$240.00}, and that too became a pending payment when balance was {$300.00}. XXXXXXXX XXXX  slapped {$220.00} fee at the same time as a pending Item along with the other charges that had incurred but not yet paid. 
When payments actually were paid on XX/XX/2022, bank first applied fees, reduced the balance again, and generated more fees to a total of {$390.00}. How can bank reduce ledger balance by charges that are not yet even payable? Which Generally Acceptable Accounting Principle is in play here? No contingent liabilities were created as bank had no obligations to pay, If balance is not covering the amount at the point of purchase. The transaction is void at the merchant 's cash register if the bank declines payment due to less funds. FNB bank has no business causing that transaction to be posted as pending, and slap fees when I did not sign up for OD coverage. I believe this is a creative way of forcing negative balances on paper, and charging fees, and deducting them before applying any deposit, as done in my case. I do not have OD arrangement with bank and did not ask them cover my charges if any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
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:
Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX  Auto Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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 a account without my written instructions. 

all wrong address must be deleted.

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 2023-03-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Subject : Complaint Regarding Venmo Credit Card 's Mishandling of Dispute - Unsatisfactory Hotel Experience in XXXX Dear Sir/Madam, I am writing to formally file a complaint against Venmo Credit Card for their mishandling of a dispute I submitted regarding a hotel stay in XXXX, where I experienced extremely poor service. I paid for the hotel using my Venmo Credit Card, and the total amount involved in this incident is {$2300.00}. 

During my stay at the hotel, I faced numerous issues including rude staff and unattended room service requests. I made several phone calls to the hotel management to address these problems, but they were unresponsive and uncooperative in resolving the matter. 

Upon my return, I submitted a dispute with Venmo Credit Card, detailing the entire incident and providing evidence in the form of records of phone call communications with the hotel. Despite my efforts to communicate the severity of the situation and the hotel 's negligence, Venmo Credit Card mishandled my dispute and failed to provide an adequate resolution. 

As a result, I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this matter fairly and ensure that I am not financially burdened by the hotel 's misconduct and Venmo Credit Card 's poor handling of my dispute.

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