BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  AND XXXX  AND XXXX  WERE REPORTED AS FRAUD AS SOON AS A ACCOUNT HIT MY FILE, MY PERSONAL INFORMATION IS BEING USED FOR RECEIVING THING LIKE CELL PHONES, TV, PERSONAL THINGS AND I HAVE A FRAUD ALERT ON MY FILE BUT CLEARLY IT DOESNT MATTER BECAUSEE THESE COMPANY OVER LOOK IT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, our loan was transferred to Penny Mac from XXXXXXXX XXXX XXXX  ( I loved XXXX and I miss them greatly ). Prior to transferring to Penny Mac we were on a bimonthly payment schedule. We were told we would be able to continue that with Penny Mac ( that was a lie ). When we switched over to Penny Mac one of our payments was credited as a principal reduction and not a payment so from XX/XX/XXXX through XX/XX/XXXX, we were in an argument with Penny Mac where we had to go back and forth to the point where I had to print out our entire bank account for 2 years to show them all of the payments. They finally credited the payments correctly. We were told we could do bimonthly payments, nope we could not because they said we missed it by not signing up on the XXXX of XXXX and the same in XXXX. So for XXXX and XXXX we sent them payments every 2 weeks. In XX/XX/XXXX particularly we sent 3 payments except one payment they credited to a principal reduction although we indicated it was a half payment. From XX/XX/XXXX until XX/XX/XXXX, we have tried to get Penny Mac to redistribute that money correctly. We stopped sending payments every 2 weeks, we now send 1 payment a month but during the time PennyMac was working to recredit our account, they sent us to collections, charged us late fees, and knocked our credit scores down by 100 POINTS! We were never late. They got both their XXXX and XXXX payments before the XXXX of the month! Here we are with {$110.00} in late fees ( which I'm not paying because it's their fault ) and my credit score sucks. I hate this mortgage company, I want to go back to XXXX and they won't let me. They keep saying I need to refinance but I never asked to be with Penny Mac. I hope everyone stays far away from their XXXX  company. And to find out one of their employees told me their system stopped crediting accounts properly when they got a new accounting system that they created on their own but didn't know their own blind spots and since going live they have been back dated with thousands of accounts!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.

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: Experian Information Solutions Inc.
State: IA
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:
Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: DC
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 made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 )  XXXX XXXX ( XX/XX/XXXX ) ( 7 ) 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 explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
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:
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 : //www.ftc.gov 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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 am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
XXXX XXXX  9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card from ( avant ) And by XX/XX/XXXX I found many fraud activities in my account. Took all my and left my account over draft I checked on the social media and found a tons of people had same issue that looks like some people hacked avant system and stool our money We tried for hours to reach any body there without any responding Theres 2 transactions went through 1- {$10000.00} 2- {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Description of Complaint : Response to Letter dated XX/XX/XXXX This debt has not been validated. It is not mine and Allied Interstate is required by law to correct all negative credit reporting related to this reference. I requested validation from Allied Interstate in a letter dated XX/XX/XXXX and they did not provide. No further contact by Allied Interstate or any of their agents will be permitted.

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 2023-01-03
Company: Bread Financial Holdings, Inc.
State: AZ
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:
XX/XX/2022 My bank rejected my payment of {$2300.00} because they didn't used my bank account number according to my bank. 
Interest charged on that payment {$44.00} + returned check charge or late fee {$25.00} Gave Comenity Credit card my bank numbers and thought it was fixed. 

XX/XX/2022 Sent payment {$3600.00} to cover the XXXX + more added to the my account after the XX/XX/2022 It bounced like the first time but I was watching and called Comenity Credit card and got it fixed. They still didn't fix my bank account numbers even though this would be the second time I gave them to Comenity Credit card. 

XX/XX/2022 submitted extra payment of {$98.00} and I had to call and fix it with XXXX Credit card. 

XX/XX/2022 submitted extra payment of {$120.00} to clear my credit card as I was giving up and going to let the card and Comenity Credit card see if they could fix things. The payment bounced and I called and they took the payment over the phone. 

I have always paid off my credit cards over the years with each bill. I never carried charges from XXXX month to the next. All of the extra payments were amounts for current purchases to clear the card. I no longer could keep getting put through the wringer and being treated like a dead beat. My personal Bank could not believe what was happening to me. I then canceled the card because I was advised that it looked like this company would never fix their error. The proof is they took over my XXXX XXXX XXXX XXXX card that I had for about 15 years with auto deduction from by bank each month and never a bounced payment. 

They also didn't let me take the {$66.00} points money from the XXXX card when they took over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account was opened on XX/XX/2016 and the amount is {$240.00}. There was no contacted from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT XXXX PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM AMEX ( AMEX RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) I CALLED AMEX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO XXXX AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO XXXX ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED XXXX THEREAFTER AND ASKED THEM IF AMEX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE NOT SURPRISINGLY THEY SAID AMEX DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. 

I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY XXXX ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID AMEX TRULY SEND THE FUNDS TO XXXX, AND IS PAYPAL LYING? OR, DID XXXX TRULY NEVER RECIEVE THE FUNDS, AND IS AMEX LYING? 
ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. 

I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/ IN RESPONSE TO MY REQUEST XXXX DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS. 

XXXX CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS. 

ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? 

THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: TX
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:
This third party company ( Equifax ) has obtained and reported information without my written consent. This is fraudulent and they have no rights to do this.

According to 15 USC 1681a, consumer reporting agencies have no right to report credit transactions or factual information.

According to 15 USC 1681b ( 2 ), consumer reporting agencies need written consent to furnish report.

According to 15 USC 6802, consumer reporting agencies are not allowed to furnish consumer information with third party agencies. Third party agencies having such information is against my rights and identity theft. According to 15 USC 1681a ( 3 ), consum
er reporting agencies assumed this role and arent technically a bureau because they dont report to the government.

According to 15 USC 1605, any payment history that involves a finance charge being reported on a credit report is deemed unfair. I have several.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Thursday XX/XX/2019 there was a charge of {$830.00} taken from my account. I immediately reached out to bluebird and filed a dispute against the charge, a day later they emailed me back and said they were going to denie my dispute. I was confused as to how someone could get this money out of my account without my approval and every time I ask a representative that question they evaded the question and change of subject immediately. All I want is my money back and for it to be solved and hopefully for it not to happen to anyone else

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 XX/XX/2023, I receive an email from XXXX thanking me for applying for a XXXX XXXX XXXX credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX  account and noticed that XXXX XXXX  XXXX  received a copy of my XXXX Credit Report. I have never applied for any XXXX credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
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:
I submitted a dispute to Experian on XX/XX/2020, regarding collection accounts that are reported on my credit history. The collections and bad debts are all linked to an address that is not even mine. Additionally, Experian added that false address onto my credit report so as to make the collection accounts appear valid, and make themselves look better. There are numerous bank card accounts and collections that are duplicates, and the bureau is building a foundation of false information on my report in order to keep these bad debts on my record.

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