BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again XXXX, Equifax and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
Yes the account in question was closed and when COVID 19 hit they reopened it so they can file a disaster on the closed account. This account is 7 years old. It is with credit acceptance

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 2022-02-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently contacted Hillcrest Credit Agency in regards to a collection on my credit report requesting that they Validate my debt. They Im fact did not in a timely manner. They sent me a letter that is attached stating that under the Fair Debt Collection Practices Act, there is no duty to provide verification after the 30-day validation period has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.

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 2022-03-27
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a mortgage for our cabin with XXXX mortgage, in XX/XX/XXXX. We put down 10 %, so the amount of the loan was {$270000.00}, with a value of {$310000.00}. Post closing, the loan was sold to NewRez. 

In XXXX of XXXX, I called NewRez to inquire how to go about removing the PMI charge ( XXXX month ) from my account. I was told on the phone that the XXXX had to be lower than 80 %, then PMI would be canceled. In XX/XX/XXXX, I submitted a one-time principal payment of {$28000.00} to bring the XXXX below 80 %. 

In XX/XX/XXXX, I noticed that the PMI charge was still on my account. I called back, and was told that I needed to submit a request in writing ( via fax ) to cancel the PMI, which I did. 

The company responded to me via a letter in XX/XX/XXXX that stated that I would need to submit a check for {$750.00}, so that they could conduct a valuation of the home to determine that the value has not decreased. I was confused about this, and called to discuss. The customer service rep stated that the PMI would be automatically canceled at 78 %. I was very close to this amount, so I submitted an additional one-time payment of {$500.00} in XX/XX/XXXX. 

In XX/XX/XXXX, the PMI balance was still on my monthly statement. I called to ask, and they stated that PMI is only canceled below 78 % based on the ORIGINAL payment terms -- that additional payments do not matter, and I would still need to submit an additional {$750.00} for a property valuation, then they can assess if the PMI can be canceled. 

My complaint is that NewRez has been very misleading throughout this process. At least two different call center reps have confirmed that PMI would be canceled if I submit additional principal payments, which I have done. Now I find out that even though I have submitted additional principal, I STILL have to submit an additional {$750.00} for an additional valuation. Given that the initial valuation was done 18 months years ago ( and the homeowners market has only increased! ), this feels like an unnecessary expense that is designed to keep people paying PMI charges. I am very hesitant to pay this charge, since it seems like if I do, there will be another trick around the corner, and then I will be out the PMI charge PLUS {$750.00}. 

In addition, in all of these dealings- NewRez is intentionally hard to communicate with. Communications are only over the phone - so there is no record of what they told me. When I needed to submit a request in writing, this had to be done via fax. Who has a fax machine anymore?!? Then they respond via a letter several weeks ( or months! ) later, which is intended to delay this process further. Their refusal to use email to communicate indicates that they are trying to avoid a paper trail on their practices. 

Thank you for your attention to this matter. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number keeps calling over and over and over again without leaving any kind of message at all. They even call us on Sunday. They have called 4-5 time within about 15 minutes. I don't know what they want because of not saying anything and hanging up just as soon as the answering machine gives the reply beep. I'm tired of getting these calls. 

I have never gotten a bill or anything from them. I never heard of them until they started calling me about a month ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new US Bank Payment Solutions account and failed to receive {$600.00} bonus Approved XX/XX/2023 - Merchant ID ( MID ) : XXXX - XXXX Successfully completing the following terms : U.S. Bank is offering a {$600.00} bonus when you open a new U.S. Bank Payment Solutions Merchant Account by XX/XX/2023 and accept and settle a payment transaction within 60 days. 

First, complete an application for a U.S. Bank Payment Solutions account. 
Then, accept and settle a payment transaction into your qualified U.S. Bank business checking account within 60 days of the opening date of your payment solutions account. 
The new U.S. Bank Business Checking account must be open and have a positive balance for the Payment Solutions bonus to be deposited into the account ( within 45 days of settlement verification ). 

Settled in account ending in XXXX : XX/XX/2023 US Bank Business Center will not respond to emails or phone calls.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
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:
I AM A NATURAL PERSON AND I AM A VICTIM OF IDENTITY THEFT, FAIR COLLECTION & OUTSOURCING HAS OBTAINED MY INFORMATION ILLEGALLY AND HAS BEEN COMMITTING FRAUD USING MY PERSONAL NON PUBLIC INFORMATION. I AM AWARE AND HAVE PROOF THAT THIS COMPANY ILLEGALLY OBTAINED MY INFORMATION FROM XXXX XXXX XXXX HAVE SENT THIS COMPANY SEVERAL CORRESPONDENCEDEMANDING THAT THEY EITHER VALIDATE THIS ALLEGED DEBT OR CEASE & DESIST WITH ALL COLLECTION ACTIVITIES.

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 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX from Rocket Mortgage called about trying to refinance my home. He asked me some questions and I answered yes or no. He then when on to state that he was going to look at my credit to see what he could offer me. Never once did he ask for my permission to run my credit. After I hung up with him I got a hard inquiry on my credit. He texted me his contact info where I responded to him that I did not give him the ok to pull my credit. He said he did and apologized for misunderstanding. I then called and got a manager who reviewed the call and also stated I gave him my last 4 of ss # and gave him permission. The manager refused to remove the hit from my credit bc she said I did give him the ok to pull my credit. The way he spoke was very misleading and against the law. I tried to fix the situation but they said after review they cant remove this from my credit. I in no way have him permission to pull my credit I have a loan there and the way he spoke I thought he was reviewing my credit report where I had refinanced not to long ago not that he was actually pulling a new credit report. I requested copy of the call and was told I cant get that unless requested by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account Bankruptcy Voluntary CH-XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that Bankruptcy Voluntary CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent written notification to AFNI INC requesting documentation of any contractual relationship between myself, & AFNI INC . This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe AFNI INC, {$990.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax Credit Bureau customer service fraud department Falsely taking calls for disputes have the consumer believe that Equifax is submitting proper information and they not submitting the dispute over the phone given complaint number like they submitted dispute and when you go online to check the complaint is not valid when I go online to review the status of my dispute the complaint is not pulling up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi my name is XXXX XXXX I was very ill and I apply for a forbearance and last year I start my process to start my payments and I qualify for a loan modification I send all the documents notarized and they send it back because it was a problem I fixed and send it back and they tell me to start making payments wich I did I start in XXXX XXXX until present but I dont see my account been fix I call many times but no body help me and I dont know we're the money is going is 6 months I been paying but Fredomorgage don't give me a answer every one has different excuses and explanation please help me my number is XXXX XXXX thank you

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 2022-02-17
Company: Garcadia Financial LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A XXXX XXXX XXXX  collection appeared on my bureau debt was paid directly to hospital and nothing is owed to 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 2023-10-16
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-04-24
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: Information belongs to someone else

Complaint:
Equifax continues to report wrong information to my credit report that have XXXX XXXX card ending XXXX and this account does not belong to. I have not applied for a card XXXX XXXX XXXX ending in this number or have given anyone permission to put me on this account. 
Equifax is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
HSBC has made it so notoriously hard to complete identity verification when applying for its credit cards that it has led to scammers posing at HSBC and then extracting very sensitive information from clients supposedly on HSBC 's behalf. I was a victim of one of these scams and wholly blame HSBC for their ridiculous application process, which you can read about across the internet. I applied for what I thought was a HSBC credit card. A representative got in touch to tell me that they needed a copy of my driver 's licenses and a form so the Social Security Administration could verify my identity. Knowing that HSBC is so rigid in their identity verification, I gave the scammer this information. When it wasn't processed, I was told the SSA form was incorrect as I had missed a box. I then resent the form with my personal information again. Again I waited, this time I was told the application is " processing ''. Nearly a week later it was still " processing '' and I realized I had been scammed. It was devastating, I spoke to a supervisor supposedly with HSBC who told me the form was again incomplete ( it wasn't ). I told her I will be working with the local authorities to press charges. She had me call phone number XXXX, I believe the scam is from XXXX. I ENCOURAGE EVERYONE NOT TO APPLY FOR ANY HSBC PRODUCTS BECAUSE THEIR OVERLY ZEALOUS IDENTITY VERIFICATION HAS SEEMINGLY INVITED SCAM ARTISTS AND YOU MAY BE IN DANGER. ONLY A COMPLETELY INCOMPETENT COMPANY WOULD HAVE THIS MANY MISTAKES ON A SIMPLY IDENTITY VERIFICATION, SHOWING IT'S A SCAM. I will be working with police to help find who did this.

Company response to consumer: Closed with explanation