BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX  is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX Account erroneously added to my credit profile. This account is owned by an XXXX XXXX XXXX XXXX and not owned by natural person and not my personal account. Please remove this erroneous entry XXXX XXXX from my credit profile. I will bring suit and litigate for this erroneous reporting.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I don't have a problem with this company i just fell behind

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. 

At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. 

I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. 

I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a phh mortgage loan, i called for a payoff quote which i recieved and was approved for a refi thru phh, i wasnt allowed to make a monthly payment due to the payoff quote at which point phh said my monthly payment was late but i wasnr allowed to pay it, then they turned around and said the had to deny the refi due to the late payment which was due to phh, I'm out {$500.00} for the home appraisal and not i have a late charge on my credit report which is causing me to not be able to refi with 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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
An authorized user used card to rent a vehicle from XXXX. I immediately block users card 3 days after I realized the charge. I believe the charge hold was in XX/XX/XXXX. The amount I believe was {$270.00}. The hold was released. I believe a week later. I assumed the authorized user paid the amount. On XX/XX/XXXX, XXXX charged {$5200.00} to my credit card account. I notified my credit card co Capital One Bank and a dispute was put on my account. I informed the bank that the users card was blocked and why was this charge put on my account when I blocked the authorized users card. The credit card id secured card with a limit of {$700.00}. The charge from XXXX in the amount of {$5200.00} was charged back to my account on XX/XX/XXXX and an additional charge of {$74.00} from XXXX was put on my account XX/XX/XXXX. The dispute case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've submitted dispute letters to Transunion and XXXX  and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA

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 2019-07-14
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've submitted dispute letters to XXXX  and Equifax and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-01-09
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:
I received my reinvestigation back from you Transunion File number You said everything is verified as 100 % accurate and updatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof that there are discrepancies listed for each account. 100 % accurate means each aspect of the reporting contain no errors. So the close date should be the same. This documentaion shows the account numbers, open date, and balance are all the same, which means they are all the same account. However, Transunion is reporting the closed date as XX/XX/2017. XXXX reports the close date as XX/XX/2017. I have doubts and concerns that the alleged reporting of Transunion is not correct.

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 2023-01-24
Company: Tower Loan of Mississippi, Inc.
State: LA
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 recently wrote to Tower Loan, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were two different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Tower Loan continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Tower Loan, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Tower Loan has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Tower Loan violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Tower Loan above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Tower Loan is seemingly willfully noncomplying. Furthermore, Tower Loan continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Tower Loan, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Tower Loan continues to falsely verify as accurate. This has to stop at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to XXXX and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Choice Recovery collection agency placed negative marks on my credit for 3 debts {$100.00}, {$40.00} And {$200.00}. 
This debt is not mine, if this is a medical bill my information was illegally shared with a 3rd party company without my consent, this goes against Hippa laws. I am furious. I pay all my bills on time. This caused my Credit to loose 40 points. Please help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TN
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, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
f ay mortgage company response from the cfpb i filed, stated a {$3600.00} of a post-petition fee incurred, from the response letter from fay sent dated XX/XX/2021. 
I summited to fay mortgage co, a money order of {$3700.00} handwritten remark on the money to pay order post-petition fee. 
on XXXX XXXX fay cashed the money order and seemed to have misapplied the XXXX dollars in which was to be attended for. the {$3700.00} went toward a future mortgage payment. 
last week I followed up with fay and requested the misapplied funds be reversed to pay the post-petition fee I was told today on XXXX by fay employee that the request to reverse {$3700.00} went to the wrong department. 
i would like assistance that the money is properly submitted to pay the post-petition fee that was attended for as per the letter fay provided me with and handwritten instructions on the check that was cash, as time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-11-08
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the hospital and signed in, however, I left before I could be seen by someone. They sent me a bill for {$760.00} and I called and disputed the bill because I was being charged for service not rendered. Item was placed in collections XX/XX/2018, the original creditor was XXXX XXXX. I left before being seen because I was told I may need an XXXX when I get to the back and I was trying to conceive so I told them I would just come back if the pain got worse. When I received the bill I called and disputed the charges and after speaking with a few different people I was finally told the bill would be removed. Now the bill is on my credit in the same amount of {$760.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation