BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly payment amount went up because the escrow amount increased, and I was not aware of the increase. I am concerned about the insufficient notice I received from my mortgage company about both the rate increase and, more egregiously, the fact that my account was delinquent. 

Today is XXXX XXXXXXXX XXXX  Today is the first time I learned that my account is deficient. I learned this through two letters that the mortgage company sent to my home address, which I received today. I believe they have called my cell phone numerous times, but the messages are XXXX XXXX that do not put me on notice that there is a problem with my mortgage. In fact, they don't even identify the caller. This is a transcript of the entire call I received today, " Please return our call at XXXX between the hours of XXXX XXXX  and XXXX XXXX XXXX  XXXX through XXXX or XXXX to XXXX XXXX XXXX on XXXX. We look forward to speaking with you soon. '' It does not identify the caller as PennyMac. It does not say I missed a mortgage payment ( or a partial payment ). It's not a real person, who identifies me by name and says there is a problem on my account. Instead, it's an automated message merely asking me to call back an XXXX  number for ... an unknown reason. I thought this was SPAM. I get similar calls about student loans and car warranties ( that I don't have ) routinely. I have received other calls that I now assume were also from PennyMac, but I thought those robocalls were SPAM and did not return those calls either. A generic robocall does not suffice as notice that a consumer 's mortgage payment is past due. 

Through a series of telephone calls today, I have learned that PennyMac sent me an email months ago telling me that the escrow analysis was ready to download. I did not see this email because PennyMac sends me so many marketing emails ( there are XXXX in my in-box right now from XXXX alone -- and that's just what I haven't deleted ) that I thought this was another marketing email and did not open it. I therefore did not download the escrow analysis and had no idea my payment amount had increased. 

PennyMac should do better. They either have the ability to tell when consumers have downloaded account documents or they could have that ability if they chose to ( to know whether consumers have received actual notice of critical account changes ). They certainly have the ability to contact consumers to let them know if their accounts are overdue. A XXXX is not notice. 

PennyMac reported the delinquent XXXX payment to the credit bureaus. This will affect my ability to obtain credit, including future mortgages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TD BANK US HOLDING COMPANY
State: GA
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:
XX/XX/2023 a hard inquiry was pulled from my credit file without my knowledge. I wrote the consumer asking for this to be removed a month ago but have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MN
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:
According to the fair credit reporting act when i notice incorrect information on my credit i have the right to dispute. I have disputed multiple accounts on my credit report and they keep saying the accuracy is correct. I have no knowledge of these accounts and did not sign or have any loan or credit with these companies. 
( 1 ) XXXX XXXX-opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 2 ) XXXX XXXX  XXXX  opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 3 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge if this account this was not me. 
( 4 ) XXXX XXXX XXXX opened XX/XX/XXXX. I have no knowledge of this account this was not me. 
( 5 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 7 ) XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account this was not me. 
( 8 ) hard inquirys from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are many others that i have listed in the attatched images/files below. The only inquiry that i have knowledge about is home choice i have a refinaced loan through them im still paying payments on. The reat of the account and the inquiries i have listed and attatched to this complaint i have no knowledge of and i am claiming identity theft/fraud. I hope that you are able to get these items removed off of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been calling my mortgage company Truist formerly BB & t for over a year to get information on my lien with the FHA, I had a Covid forbearance and filed all paperwork unfortunately When Truist merged they never filed my required documents to HUD. In the last 2 months Ive been trying to refinance with a different company and can not due to HUD never received the signed and notarized paperwork, I have spoken with everyone possible from Truist and HUD and no one has any information to help me. Most of the time just when I think Im getting somewhere with Truist they hang up

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Last XX/XX/XXXX, I requested for a balance transfer of {$4000.00} sent to myself from my capital one credit card for a promotional offer of 1.99 % for 12 months with balance transfer fee of 2.99 %. On same day I called the customer service and ask there is a way that I could get the money quicker and they said that I have to wait for 15 days. On XX/XX/XXXX, I called to cancel the balance transfer because I will not get the money on time. They told me that I cant cancel it because it is still pending and to call back when it is posted because they cant get the check number. Today XX/XX/XXXX, I called capital one because the amount of {$4000.00} plus the balance transfer fee of {$120.00} dollars already posted. They told me that I have to wait 15 days to cancel it. I dont think this is right. The balance transfer amount should not be posted into my account until I in cash the check. In addition, I need valid reason why I cant cancel the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting XXXX as potentially negative. This is a paid account. 
Experian is reporting XXXX written off. 
It's being reported fraudulently. It was paid.

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 2022-02-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: OH
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:
Once again I have paid off hundreds of dollars of merchandise on credit and all three XXXX, Equifax, and XXXX have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Paypal Holdings, Inc
State: CA
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:
This is about the charge by XXXX XXXX XXXX 
On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. 

Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22, fraud activity detected and reporter on my checking account for the amounts of {$400.00}, {$350.00} and {$350.00}. Only XXXX amount of {$350.00} was deducted from my checkings account. I reported it to Wells Fargo claims department and I was given a claim number to follow up on this. I was reassured by people on the phone as well as people working on my local Wells Fargo that these things happen but are very easy to resolve and get your money back. I called today, XX/XX/22 to follow up on it since the amount of {$350.00} had not been reimbursed to my account and after talking to multiple people and being on the phone for XXXX min, the guy told me that the investigation rejected my claim and that I was not going to get my money back. No explanation given and when I asked for a supervisor or someone else I could talk to about this, he said that there was no one else I could talk to and even if there was, it was not going to make a difference, the decision was made. 

This is my first experience with fraud activity in my accounts and I have been a Wells Fargo customer for the last 15 years. To say I am beyond disappointed and frustrated with them, is an understatement. This is hard working money that they are disregarding. At this point I am considering switching banks as I don't feel like I can trust them with my finances if they will not support me when fraud activity is happening. 

I have letters from Wells Fargo regarding my claim, however, they contain my personal information. I am able to provide these if they are needed in future steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a letter from Direct Express in XX/XX/XXXX saying I would get a new payee benefit card because their processor was changing. XX/XX/XXXX came and I never received the new card. I called XX/XX/XXXX and was told they would send XXXX out within XXXX business days. XX/XX/XXXX I called back because I still hadn't received a new card only to be told XXXX was never sent out on XX/XX/XXXX. I again was told to wait another XXXX business days for a card. I was also told the XX/XX/XXXX Social Security benefits would be mailed as a paper check from the Social Security XXXX since I wouldn't have the card by then. Well, on XX/XX/XXXX I didn't receive a paper check so I called Social Security who said they sent the monies to Direct Express. I called Direct Express and now couldn't get a live representative. I tried for an entire week and at all times of day only to get a recording that said their phone lines were busy and I would need to call back. Social Security said they had an internal way of sending Direct Express messages and that Direct Express had an agreement with them to call clients within XXXX  hours of receiving the message from Social Security. Well, I never got a call even after Social Security sent them messages over several days. This has all caused rent and numerous other bills to be late and meanwhile I still don't have a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Advantage Credit, 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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2022, Linebarger Goggan Blair & Sampson LLP sent me a notice that I owed {$490.00} from XXXX for a red light infraction. It's been 8 years and I have not received any communication about i, nor did the DMV have a record of it. When I searched for the case number provided by the firm on the LA Superior Court website, it said it did not exist. I tried calling but they put me on hold forever instead of speaking to an agent. I searched for this place online and found numerous reports of this operation trying to scam people for nonexistent debts. Research shows that LA stopped collecting fines for this on XX/XX/XXXX, XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, XXXX XXXX XXXX. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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 is missing that should be on the report

Complaint:
XX/XX/2023 Equifax Credit Information Services , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief